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

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter on XX/XX/year>, asking them to reinvestigate the following accounts because they are not complete and accurate. 

XXXX - XXXX The credit limit and/or high balance are incorrect. This account is too old to be on my credit report. The payment history/rating is incorrect. The dates on this account are incorrect. The information in the remarks field is missing or incorrect. 

XXXX XXXX XXXX XXXX The credit limit and/or high balance are incorrect. This account is too old to be on my credit report. The payment history/rating is incorrect. The dates on this account are incorrect. The information in the remarks field is missing or incorrect. The payment terms or account type are incorrect. 

XXXX - XXXX I have no knowledge of this account. 

XXXX - XXXX The credit limit and/or high balance are incorrect. This account is too old to be on my credit report. The payment history/rating is incorrect. The dates on this account are incorrect. 

XXXX - XXXX This account is too old to be on my credit report. The payment history/rating is incorrect. Account status is incorrect. The dates on this account are incorrect The information in the remarks field is missing or incorrect. 

XXXX - XXXX This account is too old to be on my credit report. The dates on this account are incorrect. The " Account in Dispute '' remark is missing or incorrect. 

XXXX - XXXX This account is too old to be on my credit report. The dates on this account are incorrect. The information in the remarks field is missing or incorrect. 

XXXX XXXX XXXX XXXX XXXX  The credit limit and/or high balance are incorrect. The balance and/or past due are/is incorrect. 

XXXX - XXXX The credit limit and/or high balance are incorrect. 
This account is too old to be on my credit report. The payment history/rating is incorrect. The dates on this account are incorrect. The information in the remarks field is missing or incorrect. 

Here is my tracking number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) I got the investigation back but noticed nothing was modified or updated. 

I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681 ( 5 ). 

Can you look into this matter
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

In 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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquires have appeared on my credit report with my knowledge or written consent. Please remove these inquires from my credit report as soon as possible. I have filed a report with FTC which is attached to the complaint. 

Please remove the following credit inquires : XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an offer for the Equifax data breach, I entered into an agreement where Equifax would sign me up for their credit monitoring services free of charge. From the very beginning, I had many problems with the service and wasn't able to access the services that were promised. I called in and after sitting on hold for hours, I was able to get a ticket filed with their IT and it was supposed to be resolved 5 days later. After a few weeks passed, I still wasn't able to log in to view my protection services product, so I called again. This time I was told that I needed to wait 10 days and that it would be fixed. About 12-14 days later it started to work again, but that was short lived. Very quickly after that problem was resolved, it appeared once again. Again, I spent hours on the phone with customer service and they were supposed to escalate the ticket and a manager was supposed to call me back. Neither has happened to date and I still haven't been able to log in to see my credit protection product. Equifax allowed my personal data to be breached, entered into a settlement agreement with me for me to review my reports for year and that product has failed more than it has worked and I am unable to obtain resolution. I would like a settlement for my data being exposed and for Equifax breaching their contract with the settlement that they offered, which was to grant access to this credit bureau service that hasn't worked.
Product: Credit reporting or other personal consumer reports

I recently opened the bank account with XXXX and they went over my credit report with me and I noticed I had two open accounts from XXXX XXXX XXXX XXXX. Thats fraudulent accounts that I dont recognize. I am unaware of the accounts. I dont know if my information was included and the data breach with XXXX XXXX Among the other companies that had data breaches, but this is a fraudulent account and have XXXX reported it and have been hath for collections and Money and I have made XXXX XXXX XXXX XXXX aware that I never opened a credit card account Its one account that three reporting XX/XX/XXXX for XXXX Another account reporting XX/XX/XXXX for XXXX Im just realizing that this is on my credit report these are fraudulent accounts that I do not recognize
Product: Debt collection

Midland Credit Management has been calling me daily without leaving messages. I recently paid off my credit card debt so I have no clue what this is in regards to. They call early in the morning and it is extremely irritating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX   XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Checking or savings account

I have been charged {$510.00} in overdraft and sustained overdraft fees for XXXX XXXX transactions from XXXX. 
{$290.00}, {$240.00}, {$190.00} and {$190.00}. 
Citizens Bank sent me no notifications of any kind, but between XXXX and XX/XX/XXXX they recharged the same {$140.00} overdraft and {$30.00} sustained overdraft charges every three days for the same items. Despite the fact that they never paid them. 
My account is now overdrawn {$500.00} - all overdraft fees. 
I called customer service on Saturday XX/XX/XXXX at XXXX and was told I would get a supervisor callback. No one called me that night despite being open until XXXX. 
Today they claim they can do nothing to reverse any of these charges. 
Can someone please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax In reviewing my credit report from Equifax, I found unauthorized addresses. I made numerous attempts to resolve this matter via Equifax automated service, however I had no success by phone. The following accounts are unauthorized. XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681i. Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment reported for XXXX accounts XXXX, the 90 day late payment reported in XX/XX/XXXX is inaccurate. I was 90 days late, I was current the 3 months prior ( XXXX, XXXX, XX/XX/XXXX ). 

Late payment for XXXX accounts XXXX for 90 days late reported in XX/XX/XXXX is inaccurate. I was not XXXX days late, I was current XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Equifax has a duty to do what is fair and equitable to me and delete the inaccurate late payments reported.
Product: Debt collection

XX/XX/ {$380.00} Called relatives about a pending legal matter with a case number and that I needed to call back immediately. 
They called me and left a message. 3 different numbers, one private number. 
They know where I live, and work and will be filing charges against me within 24-48 hours. The caller also stated that they demand a face-to-face interaction, will go to my place of employment ( on VM which is saved ) and will talk to my supervisor, and will visit my home. 
If I paid {$380.00}, they would consider the debt a " charge off. '' Even if I had a debt, it would have occurred in Michigan over 12 years ago. I have lived in Colorado since. Both states ' statute of limitations of 6 years has been met. 
I called 2 of the numbers. Same office, same questions & answers. Both asked for my SSN and DOB. I refused to give either. Said they couldn't release information without those numbers.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to express my deep frustration and concern regarding inaccurate information on my credit report, which has caused significant hardship and emotional distress. Despite my best efforts to address these errors with the credit bureaus and the creditor ( s ) involved, the situation remains unresolved, leaving me in a difficult financial position. 
I recently reviewed my credit report and discovered that theres at least 18 INACCURATE These errors are both unjust and harmful. I immediately contacted the credit bureaus to dispute the inaccuracies and provided supporting documentation, but the errors persist. 
These inaccuracies have caused the following harm : Financial Setbacks : My credit score has been unfairly impacted, causing denials of credit applications and increased financial strain. 
Emotional Distress : The inability to resolve this matter has been overwhelming and has undermined my confidence in the credit reporting process. 
Higher Costs : I have faced higher interest rates and unfavorable terms on financial products as a result of the errors. 

The FOLLOWING reporting derogatory allegations of are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or NOTCOMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated IMMEDIATELY. 
My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to accurate, complete, and verifiable information on my credit report. The ongoing presence of these inaccuracies demonstrates a failure by both the credit bureaus and the creditor ( s ) to comply with these legal requirements. 

Actions Taken : MUTIPLE DISPUTES WITH CRAs, Requested the creditors to investigate & provide VALIDATION OF DEBT. I haven't received any validation of these negative remarks that's on my credit report. 

PLEASE CHECK ALL THE ATTACHMENTS BELOW
Product: Credit reporting or other personal consumer reports

I disputed negative items on my report listed in the dispute letters attached to this compliant
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX # XXXX, has violated my rights, XXXX XXXX XXXXXXXX # XXXX, has violated my rights, DEPT OF EDUCATION/XXXX  # XXXX, has violated my rights, XXXX XXXX XXXX XXXXXXXX # 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
Product: Mortgage

Servicer has been avoiding compliance with XXXX guidelines and CFPB rules for proceeding to a foreclosure sale when a loss mitigation application is still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal statement : checking my credit for a store card application I realize that tere were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXXXXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

I want to bring to your attention that XXXX has already removed these accounts from their records after acknowledging an error. It is perplexing and disconcerting that your agency, in contrast, appears to have verified these accounts without providing adequate information for verification. This discrepancy raises serious concerns about the accuracy and legitimacy of your reporting. I demand that you immediately delete these inaccurate, erroneous, and unverifiable accounts from my credit report. The persistence of this misinformation not only damages my creditworthiness but is also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am asserting that you do not have the rights to continue reporting these accounts without proper verification, especially when other credit bureaus have recognized and rectified the inaccuracies. Your non-compliance with my previous requests is both inexplicable and unacceptable, and it appears to be a blatant disregard for the law. The accounts in question, as follows, lack sufficient information for proper verification of the associated debts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Specified Credit Association continues to try to collect a debt that I do n't owe them. I never established a contract with this company and they have continued to call and harass me on my work and home phone and sending me harassing letters indicating that they will report the negative item on to my credit reports if I do n't pay them. They are breaking the FCRA laws.
Product: Checking or savings account

Bank of America closed my account for unknown reason and refused to release my last three paychecks.