23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I requested them to correct the issue at hand of them reporting inaccurate information to the bureaus, I agreed to settle for the statement of paid in full they turned around reported a collection/delinquency with a balance every credit bureaus reported dropping credit significantly XXXX, XXXX still show the account with a balance as of my latest dispute with them they have refused to removed it. We came to an agreement in which they offered a settlement I accepted and complied with the terms. Shortly after they decided to then report the account to collections with a balance of XXXX continuing to report missed / late payments every month even still now as of XX/XX/year> they have reported XXXX alone to XXXX after the agreement of payment they told me the account was closed and nothing further needed but went back on there word charged off my account and still continues to demand payment for the remaining balance. Had that been the case I simply could have paid it in whole but they continued to push for a settlement they have taken my payment and ruined my credit with no explanation or consequences. They even wrote off the full amount then collected from me and now continues to want more I believe that is a tax fraud on there behalf abusing there power and taking money from our government. I truly feel I should be compensated from XXXX XXXX for these horrible things they have done. I am currently in the process of buying my first home for my daughter and I and these actions by both the credit card company XXXX XXXX and the credit bureaus ( XXXX, XXXX, and TransUnion ) are ruining our opportunities for a better life, a better financial situation the amount of distress this has cause us is staggering and unacceptable.
Product: Credit reporting or other personal consumer reports

Did not remove accounts I requested. Took less than XXXX days to investigate. Also, had addresses on my account that were repeated just with different residence types.
Product: Debt collection

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX are in violation of the Fair Debt Collection Practices Act and are attempting to collect on a fraudulent debt that is not my debt. I did not consent to them having and sharing any of my personal information and I did not consent to them trying to sue me. 15 U.S.C. 1692i. They are trying to coerce me into paying this fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX XXXX XXXX collection and XXXX leasing has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Checking or savings account

Chime debited my account for XXXX after a dispute. Chime never reached out to me like that do merchants. Chime did not investigate at all. Chime encourage the use of the pay anyone feature, which allows people to take mny back without investigation. I called chime and have correspondence from the sender that will show the payment was legit. I also was told by a rep that my money will be returned on Sunday XXXX the XXXX and it was not. I asked to file scam/fraud they hung up on me and said call XXXX XXXX XXXX who is the scammer. It seems they all were working together to steal money from me. Then they said take it up with the court. But I trusted chime, I thought I was insured for up to XXXX. We both are chime customers, how can they just chose one over the other. I have proof. But they don't care. That's a lot of money. I'm already a disaster victim and people prey on me enough.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally demand that Experian immediately correct the blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws due to your failure to accurately report my credit information. Your negligent and unlawful actions have severely harmed my credit score and resulted in unjust denials of credit opportunities. I will not tolerate further damage caused by your failure to comply with federal law. 

Despite my XXXX  XXXX bankruptcy discharge, Experian continues to report charged-off accounts and late payments on my credit fileaccounts that should have been permanently removed or updated to reflect a XXXX balance and Discharged in Bankruptcy. Your actions constitute gross negligence and a willful violation of the following laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) : You have failed to maintain and follow reasonable procedures to ensure maximum possible accuracy in my credit report.

FCRA - 15 U.S.C. 1681b : Improper use of my credit report without permissible purpose.

FCRA - 15 U.S.C. 1681s-2 ( b ) : Failure of data furnishers to properly investigate and correct disputed information.

FCRA - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You have not conducted a reasonable reinvestigation of inaccurate items upon dispute, as required by law.

FCRA - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : You have reported information with knowledge of its inaccuracy.

FCRA - 15 U.S.C. 1681n : Your willful noncompliance with the FCRA entitles me to statutory damages, punitive damages, and attorneys fees.

FCRA - 15 U.S.C. 1681o : Your negligent noncompliance has directly harmed me financially, leading to repeated credit denials.

FCRA - 15 U.S.C. 1681c ( a ) ( 4 ) : Prohibits reporting of collection accounts or charged-off debts older than seven years.

FCRA - 15 U.S.C. 1681m ( a ) : Requires credit bureaus to provide consumers with notice when adverse credit actions are taken based on their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX partial account number XXXX. Equifax and XXXX are not reporting the following account In Dispute. XXXX XXXX partial account number XXXX. XXXX is failing to report the following account In Dispute. XXXX partial account number XXXX. Equifax is failing to reporting the following account In Dispute. OTHER COLLECTOIN AGENCIES partial account number XXXX. Equifax and XXXX are failing to reporting the following account In Dispute. XXXX XXXX XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Product: Credit reporting or other personal consumer reports

I never Authorize these inquiries to be pulled from my credit report and have asked all three credit bureaus to removed them, but they haven't. I requested it be removed XX/XX/XXXX. I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX  I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back to  XXXX . I called  XXXX , Transunion, and  XXXX  to advise that I had a fraud alert placed on my account back in  XXXX  and no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On  XXXX / XXXX / XXXX  I went to the police department to file a police report. The  officer  called each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given.
Product: Credit reporting

I have been disputing information on my credit report with equifax , XXXX and XXXX in regards to identity theft. I have contacted them directly as well as the account that was opened fraudentaly in my name. ( XXXX ) ... ..They refuse to delete this information off my report. They just keep saying they have verified it is mine. I have written letters made phone calls ... .etc and getting no where. I feel the credit reporting agency 's are not doing a complete investigation. Having someone use my name and open up a credit card for this department store is negatively affecting my credit score. I am also being penalized for something I did not do.
Product: Debt collection

I am a victim of IDENINITY THEFT FTC case XXXX reported to XXXX XX/XX/XXXX. See attatched XX/XX/XXXX Experian Report # XXXX XXXX account XXXX Date Opened XX/XX/XXXX Address ID XXXX First Reported XX/XX/XXXX Credit Limit {$3000.00} RECENT BALANCE AS OF XXXX XXXX {$3300.00} THIS ITEM ** REMAINED UNCHANGED ( WAS NOT OPENED BY ME ) PROVIDE ORIGINAL WRITTEN DOCUMENTATION OF XX/XX/XXXX OPENING THIS ACCOUNT VERYFYING MY SIGNATURE. See attatched XX/XX/XXXX XXXX CONFIRMATION OF SETTLEMENT card end XXXX settled XX/XX/XXXX. This is the ONE AND ONLY ACCOUNT I OPENED WITH XXXX. See attatched XX/XX/XXXX XXXX XXXX DEBT DISCHARGED VISA/MSTR XXXX AGAIN, THIS IS THE ONLY ACCOUNT I OPENED WITH XXXX.
Product: Credit reporting

While reviewing my XXXX credit report of XXXX/XXXX/2015 and XXXX of XXXX/XXXX/2015, I discovered that AMERICAN EXPRESS employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not at any time relevant period authorize or consent for this review by the employees of AMEX. I request that AMEX provide me with any hard/verifiable evidence of my consent to this review. To this extent, absent my authorization, AMEX employees action ( s ) constitute a clear violation of my Privacy Rights and FCRA Section 1681 b ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied and requested extension on my mortgage payment during covid. I am now under repayment plan, however, Shellpoint Mortgage is reporting my account as delinquent. I have already called them and I have been told that this account will be reported as delinquent for the reminder of the repayment plan. 

The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Shellpoint Mortgage, however, is reporting the account as delinquent when based on care act the debt should be reported as current because Shellpoint has agreed to sign me up for a repayment plan.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I was called by Bridgecrest financial on XX/XX/XXXX. They called me to congratulate me on my new purchase of a XXXX XXXX XXXX from XXXX.I had not purchased a car nor was my purchase a XXXX, I asked them for a copy of my purchase agreement. They told me that they couldn't provide me a copy I asked to speak to someone in charge because this was clearly a MAJOR mistake. I spoke to a woman by the name of XXXX from Bridgecrest who told me the car was delivered to my home in XXXX XXXX FL. On XX/XX/XXXX, which was absolutely outrageous myself nor my wife received a car purchased from XXXX. I called them several times a day and was given the run around between XXXX as well as Bridgecrest as to whom was to blame, I was told to file a police report, but yet no information was provided to me except being told verbally a car was purchased in my name, which was mentally exhausting for myself as well as my wife, I work overnights as a XXXX  XXXX and being on the phone with no answers every day after my shift with no answers and the continuous run around was a nightmare, not to mention the stress of my credit and contacting all 3 major credit institutions worrying how this has or will impact my credit score, which I'm in the process of rebuilding. After nearly a week later a woman from XXXX whom i might add was extremely helpful told me this was clearly a mistake on Bridgecrest 's behalf and the car was financed in my name but brought by someone else, I attempted to file a police report and gave a statement to Officer XXXX  from XXXX XXXX police, he stated as of yet this is not Identity theft but clearly a major financial mix up on the finanace company Bridgecrest.. XXXX contacted me again on XXXX of XXXX and stated it was solely a Bridgecrest matter and someone would contact me on the next buisiness day. No one reached out to me so I reached out to them again and still the same run around, since the ordeal this has shown up on my credit even if it is removed this will impact my credit as well as myself and my families financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER PERSONAL LOANS IS REPORTING FRAUDULENTLY ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

These 3 accounts that are reporting negatively on my TRANSUNION credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Funds taking out of my Truist checking account TRANSACTIONS NOT BY ME, THEY REFUNDED PARTIAL FUNDS from ( 7 ) of the ( 9 ) total TRANSACTIONS MADE NIT BY ME AND STILL OWE ME {$520.00} THEY DENIED last two payments of of {$260.00} a piece and all Unknown transactions where from source which doesn't make since.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have my name removed from or OPT-OUT of all promotional ads for credit cards and insurance ads. My name is XXXX XXXX XXXX please remove any other variations. My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2009 XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX My information has been compromised I and the is a report on file with the XXXX Police Dept.
Product: Student loan

While enrolled at XXXX XXXX University, my student loan was incorrectly accelerated so that my payments became due. As a result, my credit report shows that I have 6 missed payments despite being current on all other payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from XXXX of my credit reports. However, it remains on the other XXXX reports, namely XXXX and Transunion. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. Sent letter XX/XX/2023 and never received response
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX account XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Debt collection

Caine & Weiner CO is attempting to collect on a debt that is not mine, for XXXX XXXX. I have never had XXXX XXXX. I have never received any notices from either of them. I noticed this collection on my credit file. Caine & Weiner is in violation of my 30 day right to dispute, as I have never received any notices.