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

I am contacting you because I believe my social security number has been compromised. I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the Police Department and obtained a police report # which both are attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me, nor did I authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 Tuesday I tried to enroll in the XXXX XXXX Upgrade Program to purchase a new XXXX XXXX XXXX this coming Friday at XXXX XXXX PST. I have to get preapproval before being enrolled. My application kept getting denied due to " personal information not matching credit report ''. I called the lender for the program, XXXX XXXX, and after trying their initial solutions of double checking credit card security codes and multiple cards, I still faced the same issue. Then I was transferred to talk to Equifax and they said they do not have my credit report history for some reason. I checked on XXXX XXXX and can only get from XXXX. So Equifax told me to call XXXX XXXX to send them info regarding my history so they can process that. I then called XXXX XXXX one more time and all the representative told me was that they can only send an appeal, even though that requires Equifax to verify my information, which they do not have on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my EXPERIAN credit report, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must REMOVE all negative and adverse remarks. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts listed above. 

Please be aware that all negative remarks found on my credit report are violations of the FCRA and FDCPA when you can not furnish the validity of the remarks. I am not in dispute of the ownership of the accounts but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the accounts from my credit report. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All-Natural Inalienable Rights Reserve
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # LISTED BELOW, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 USC 1681i 15 USC 1681 S-2 15 USC 1681i ( 5 ) THESE ARE THE INCORRECT ACCOUNTS US DEPARTMENT OF EDU XXXX XXXX Original creditor : XXXX XXXX XXXX
Product: Debt collection

Credit Bureau made aware I was a victim of identity theft of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with account numbers and I have never done business with XXXX XXXX XXXX Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Product: Debt collection

There is an unknown company on my credit report asking for {$170.00} dollars receivable management I have not contract or no knowledge of doing business with this company my information has hacked and used and being pass around I get several phone calls a day from different companies and do not no how these people are getting my information
Product: Credit card

I pay my bills Electronically from XXXX bank. My statement was due on the XXXX of XXXX and my bank sent the payment on the XXXX of XXXX. The XXXX was on a Sunday so Synchrony did not post the payment until the XXXX, therefore telling me it was late. They charged me {$29.00} for late fee and {$24.00} interest. They did waive the {$29.00} but said " WE don't waive interest charges. I have never been late nor missed a payment. I feel if they charged me they are also charging hundreds maybe thousands of other customers. If they can't process payments on the due date why is it a customers problem? They were very discourteous to me. I felt like they thought they had the upper hand and I should just XXXX it up. It's not that much money for me individually but in the grand scheme of things if they keep doing this it could be a huge amount of money for them. 

Thank you for your attention to this issue
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, Experian, and TransUnion.
Product: Debt collection

I have tried to fix the accounts I have with Fox Collections. These medical bills where charged to the old insurance instead of the one I had at time of service. Also these balances where discharged through Chapter XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX accordance # XXXX, XXXX XXXX/ my place acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, DBA XXXX XXXX XXXX XXXX XXXX acct 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 : 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 reports containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Billing Error This creditor is in violation of laws :15 usc 1692b ( 2 ), 15 usc 1692c ( a ), 15 usc 1692d ( 2 ) ,15 usc 1692g ( a ) ,15 usc 1666d ,15 U.S. Code 1692.
Product: Credit reporting or other personal consumer reports

Im requesting this complaint to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover continues to violate the FCRA, I am using this platform to both file additional disputes against Discover card and documentation for litigation which seems to be a certainty. 
On XX/XX/XXXX, I wrote a letter informing Discover Card that all charges for an account in my name ending in XXXX was the result of IDENTITY theft. I followed the steps provided by the FTC website and provided all identifying information. I also requested all communications to be in writing via my email address, USPS or XXXX XXXX. to insure accuracy and ability to document all communications. In defiance of Congress and well established law, Discover willfully rejected my claim without any sort of investigation. 

On XX/XX/XXXX. After 6 days past and Discover continued to call 2-3 times every single day and the fact this tradeline had not been deleted or blocked from my credit report as required by the FCRA, I wrote Discover again, this time using the forms provided by the FTC website and providing all the necessary documents including my Identity Theft report, the FTC affidavit, copy of an AFFIDAVIT OF IDENTITY. I was specific and polite. In my CFPB complaint, I asked Discover to CEASE and DESIST all phone calls. 

On XX/XX/XXXX I wrote XXXX , XXXX and XXXX informing them the Discover Card ending in XXXX was the result of Identity theft and requested for the entire tradeline be deleted from my credit reports as required by the FCRA. I sent my written notice, claim and affidavit by CERTIFIED mail to XXXX, XXXX and XXXX. The three credit bureaus mentioned forwarded the request to Discover on XX/XX/XXXX. 

Astonishingly Discover again denied my direct claim and denied the claim from XXXX, XXXX  and XXXX. Without a reasonable investigation. Unless of course Discover claims they conducted a reasonable and thorough investigation in 1 day. Discover continued to call me 2-3x every single day. 

According to FCRA 15 U.S.C. 1681-1681y, specifically 15 U.S.C. 1681s-2 After receiving a dispute Discover MUST conduct a reasonable investigation, if the consumer is not satisfied with the resolution, upon request Discover MUSt provide every detail of the investigation to the consumer. 

On XX/XX/XXXX I filed another dispute with the credit bureaus, by certified mail. XXXX, XXXX  and XXXX all received my dispute on XX/XX/XXXX and XX/XX/XXXX. One day later Discover denied my request for a third time, without any proof of an investigation. 

On XX/XX/XXXX I filed a complaint with the CFPB claiming Discover is willfully refusing to conduct a reasonable investigation, and refuses to provide me with the UNREDACTED file of any relevant information that may have lead to their UNINVESTIGATED DECISION. Again a requested Discover to stop calling me. The last call I received was on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity.

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

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

The investigation report did not complete the complaint and/or likewise fix the credit reporting problem by Mr. Cooper for the 4th or 5th time asking to correct what should have never been reported with such erroneous information. This is a VA Mortgage. 

The credit report states 1 ) The credit report update will state " Paid In Full '' ; it does not state PAID IN FULL. The credit report has an additional information section added stating " Transferred or Sold and " Transfer/Sold/Paid ( From Activity Designator column of the credit report. This section should state " PAID IN FULL ''. 

2 ) The additional information added 180 Days or More Past Due, this should be REMOVED IMMEDIATELY. The account was in forbearance during this timeframe due to the Pandemic ( see CARES ACT ), and Mr. Cooper was notified accordingly. Please remove the ADDITIONAL INFORMATION Section on the credit report in its entirety immediately. 

3 ) I've attached a copy of the CANCELLATION OF DEED TO SECURE DEBT, STATING ONLY " PAID IN FULL ''. 

Please report this loan correctly to all CRA that was paid in full on XXXX.
Product: Credit reporting or other personal consumer reports

Sent letters to the 3 credit bureau and ally financial stating that they were reporting inaccurate information on my credit report. I also uploaded a letter showing that I paid off my vehicle and the account.
Product: Debt collection

In accordance with the Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and improper use of credit recording.

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 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. 
XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

MN Child Support Enforcement XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Amount : {$40000.00}. This amount is incorrect and falsification of what I owe in back child support and has violated my rights. I want this incurrie 's removed from all three Credit Bureau : XXXX, Equifax, and XXXX of my Credit Reports. I have disputed with all three Credit Bureau in XXXX and it was not removed yet. I have record that I do not owe this much, due to bi-wkly wages garnishment and Tax refund garnishment deductions every year! My son is XXXX yrs old and my obligations of scheduled payments was supposed to have ended on XX/XX/XXXX but was extended until XX/XX/XXXX per State of Minnesota Child Support Enforcement.

I want CFPB to permanently remove all open and closed accounts on all three of my Credit Reports, due to my legal rights to dispute these incurrie 's of all paid debt that was paid by me in full or agreed on a settlement to pay off debts listed on my credit report listed below on all three credit bureau reports : XXXX, Equifax, and XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, Paid in full or agreed settlement. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX Ref Case # XXXX. Paid off balance on XX/XX/XXXX. 

XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX - XXXX XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX, Paid in Full. 

XXXXXXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX, Balance : {$300.00} Closed Account Date : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Date Opened:XXXX, CLOSED DATE : XX/XX/XXXX. 

XXXX XXXXXXXX Account # XXXX Date Opened : XX/XX/XXXX Closed : XX/XX/XXXX. 

Child Support Enforcement Acct # XXXX Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX Balance : {$0.00}. 

XXXX Account # XXXX Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX. Balance : {$0.00}. 

XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX. Closed Date : XX/XX/XXXX Balance : {$0.00}. 
Please delete and remove all open and closed accounts off of all three credit bureau report companies : XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Experian has sent back a response for a credit collection where both the amount of the collection and the company are not what is owed to the collector. The company, Experian stated in a previously closed complaint that there was not specific enough of detailed information sent to them for the complaint to be processed. However, the specifications of the complaint are not missing any details. The collector is reporting through Experian an attempt to collect an excess of {$3500.00} in cash for an apartment which was not occupied after a 10 day notice was given by the landlord for complaints made by other tenants regarding a dog. The apartment was immediately vacated and there were some belongings which were later removed by the end of the month. The month which this occurred in was XXXX of 2021 The dog and the occupant, the person who the complaint is now being submitted by and for is not the person who resided in the apartment after the notice was given by the landlord regarding complaints about a dog. There was no option to stay in the unit because of the nature of the complaints and harassment by the maintenance woman residing inside the same building as the tenant household and dog. The apartment could no longer be safely occupied. The leasing company, XXXX XXXX still sent the collection to Experian regardless the apartment had been vacated. The amount exceeds any rental time of occupancy in the unit. There was also no clean running water in the unit past the month in question, XXXX of 2021. There were also several complaints regarding the police and the maintenance woman who blocked the sidewalk for the walkway to be used for entering or exiting the building. The management has since changed at the property in question. The collection is listed as XXXX XXXX XXXX XXXXXXXX and through a collection company the amount from XX/XX/2021.
Product: Debt collection

I owed XXXX to XXXX when covid hit. In spite of govt suspension of utlilities cut off, XXXX cut my cable off and said something about " regulated or unregulated '' Two months after, it cut off the phone which I never used and sent it to Stark collection agency of XXXX WI. Stark started demanding XXXX dols, then eventually split the acct into two, reporting one for XXXX dols and another for XXXX dols. I have told them several times they are violating govt mandates, but they don't care. This month, Stark Collection has created a third acct out of one acct, which caused me to lose over 40 points on my credit. It is reporting two XXXX dols. XXXX brought this to my attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I requested a credit investigation in late XX/XX/XXXX. Equifax and XXXX XXXX have not responded yet, despite follow-up attempts.
Product: Credit card or prepaid card

PayPal sync - an application and my information i did not fill out was used-twice In XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX ( at the time it was called XXXX XXXX ). The account was opened XXXX, XXXX. I defaulted in XXXX, XXXX. The date of first delinquency is XX/XX/XXXX. XXXX began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact. 

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be published. In this case, consumer repeated was required to cease XX/XX/XXXX. 

Despite being informed of this requirement and being asked to stop, XXXX has continued to issue illegal consumer reports on a monthly basis, most recently in XXXX of XXXX. 

I submitted complaints regarding these illegal consumer reports to XXXX, Transunion, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. XXXX and Transunion failed to resolve the issue. When I contacted XXXX  and Transunion, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking XXXX if the information was correct and then accepting their answer without any analysis. The XXXX phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint. 

When speaking with XXXX and Transunion regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it. 

There have now been three mock investigations performed by XXXX and Transunion. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.
Product: Checking or savings account

On XX/XX/2020 there was an Unrecognized Withdrawal for {$11.00} that Chase has Not credited and why Chase closed account. There is also a {$110.00} credit from XXXX along with {$3.00} monthly credits from XXXX that I have not received along with disputes I previously put through 1 year ago that Chase does nothing about.
Product: Checking or savings account

Unauthorized and or disputed items on the account, reported to the bank TWICE, over several weeks. Bank has failed to process or ignoledge the claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE! It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time .... nothing about this account is ACCURATE! It is affecting my ability to borrow money.