23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Written correspondence received on XX/XX/19 and they followed up with a phone call to me personally and also contacted a family member and disclosed confidential and personal information regarding the debt owed. Spouse passed away on XX/XX/19 and held a Discover card. When I contacted Discover about the death I was told by them that I am not personally liable for this debt and if there was an estate the estate would be liable. I told Discover there was no estate. Discover has given this account to a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. XXXX # XXXX. They called a family member and disclosed confidential and personal information about the debt. This company said they found the information about the family member from the internet. How did they know who they were talking to -to disclose this information. This company could of verified that there was no probate proceeding by contacting the XXXX XXXX in the county where the decedent lived. They were asking even what the decedent had for vehicles. If they were told there was no estate that should take care of the account. It was embarrassing to have the family member contact me and disclose what personal and confidential information they related to the family member. If there was no estate why harass the family trying to collect this debt from persons not financially liable.
Product: Credit reporting or other personal consumer reports

I recently disputed some inaccurate information with the credit bureaus. I disputed incorrect names and addresses where I have never resided. The dispute came back with the addresses still attached to my credit reports. I attached proof of residence and a copy of my drivers license, and a utility bill. I ask the credit bureaus to remove/ delete any addresses other than the one provided. The addresses that need to be deleted is as follows XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

THE CREDITOR IS REPORTING 2 OF THE SAME ACCOUNTS. WITH 2 DIFFERENT BALANCES. AND HAS ASKED THEM TO REMOVE 1 ACCOUNT OFF MY CREDIT REPORT BECAUSE ITS INACCURATE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained copy of my credit copy of my credit report and noticed a fraudulent account and name on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have personal information that is apart of identity theft on my credit report. I also have accounts that are not mine due to identity theft. 
Several disputes and attempts have been made to get wrongfully information removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

Reached out to the CRA 's with a letter stating what consumer rights have been violated, the CRA 's have continued to report the inaccuracies and violate the privacy of the consumer.
Product: Credit reporting or other personal consumer reports

Received a smalls claims summons from a process server from a Debt Collector Velocity Investments , LLC on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Supposedly I took out out close to {$5000.00} on XX/XX/XXXX, but that is impossible as my father was sick and I was on my way to Ohio to see him and he died XX/XX/XXXX. Needless to say I was distraught and couldn't have tried to take out a loan at that time. I have never heard of this company and feel that I am a victim of fraud.
Product: Credit reporting or other personal consumer reports

In XXXX on 2023 XXXX XXXX  reported a late payment for XXXX  days late, due date is on the XXXX payment drafted from my account on the XXXX i was never late and now after speaking with a supervisor he doesnt see where im XXXX  days. please not the fair act credit report suggests that you send accurate information to the credit bureau, a complaint has been filed with FTC also
Product: Debt collection

According to the FCRA consumer law 15 U.S. code 1681 e Compliance procedures : section ( b ) Accuracy of Report : 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. 

The attached account PORTFOLIO RC ( XXXX XXXX XXXX  XXXX XXXX ) XXXX Fails to report accurate information. 

The account type reports as a collection with XXXX and XXXX, but as an " open account '' with XXXX. 
The date opened for this account reports as XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XXXX. 
This account is reporting a " past due '' amount XXXX on XXXX which is illegal on a collection/charge off account. XXXX and XXXX are reporting nothing, which proves inaccuracy as well. 
This account is reporting a payment status of " late 120 days '' on XXXX which is illegal on a collection/charge off account. XXXX and XXXX are reporting collection/charge off which proves inaccuracy as well. 
This account is reporting a " last reported date '' XX/XX/XXXX on XXXX and XXXX but XX/XX/XXXX on XXXX which again proves inaccuracy. 
This account is reporting a " date last active '' of XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX which proves major inaccuracy. 

As you can confirm from the attached documents and what is stated here, there are NUMEROUS inaccuracies with this account which violates my rights as a consumer.
Product: Credit card or prepaid card

Of my five Credit cards, in which ( for College purposes ), I stipulate delay ( and have corrected that by setting it aside for a while ), yet all four others both gave Notice and accepted accommodation-Rescheduling ; however, OPORTUN disallowed access to my Account, systematically offered no Information, and on my most recent Due date ( today ), said they sold the Account ( whose number three people gave, and that Number was only a Medical Advertisement robot : this Process was entirely and inanely Repetitive ). XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to remove the XXXX  XXXX and XXXX XXXX listed on my credit reports. The XXXX  XXXX was discharged and XXXX XXXX has several duplicates and it has aged out
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to the bureaus regarding some account reporting erroneous late notations. I have submitted complaints to the company directly and while they can acknowledge their mistakes, they refuse to help saying I have to take it up with the bureaus.Some of the lates are from my hardship due to Covid, where the bureaus so yourself have said you expect them to make goodwill efforts on credit reporting. I have received no help! So I have been sending letters but the mistakes don't seem to be clearing up. I will attach a copy of the letters sent, please fix accordingly.
Product: Credit card

I sent a letter via XXXX mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This was a request to open a dispute for a transaction with PayPal-Thursday made XXXX XX/XX/2023 in the amount of {$250.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to the credit bureaus regarding the reporting of XXXX XXXX XXXX and XXXX XXXX on my credit report. I requested that the debts be validated and both companies sent me a notification of debt and also previous monthly statements. According to air Credit Reporting Act, a debt must be validated by creditor by proving a signed contract or loan agreement along with proof of payments. XXXX XXXX XXXX and XXXX XXXX have failed to provide valid proof of debt. XXXX XXXX stated in the letter that they no longer even have the debt and that it has been sold to XXXX XXXX XXXX I demand investigation and to have these accounts removed from my credit reports with all three bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly on the XXXX XXXX  XXXX/XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

PayPal say I'm fraud their company. But problem is they are fraud and holding my money. Fix my credit reports and release my money at least pushing time zone and date zone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am writing because I sent sent out dispute letters to " XXXX XXXX XXXX '' three weeks ago and have not received an updated credit report nor have I seen any changes in my credit profile. Account # : XXXX This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everytime i try to access my credit report i get an error message saying they are experiencing technical difficulties. I am not able to view my report or dispute anything. I believe they are purposely blocking me from doing so. I called and got transfered XXXX times and everyone acted like they did not know what was going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2022, I sent a certified letter to Bull City Financial Solutions. The letter was a standard debt verification letter. I received a response via mail dated for XX/XX/2022. The response was a print out of a supposed bill/procedures. Attached in the letter was assuming doctor visits and lab procedures that were performed. This documentation is in violation of my HIPPA law. I did not authorize them to have any documentation of any of my medical history or anything relating to anything I may have done at my doctors office. They could not verify that this debt belongs to me.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX-XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.
Product: Bank account or service

I put {$100.00}. on my card, they took XXXX, left with XXXX, I order something for XXXX, when I checked my card I had XXXX left, Please explain
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS XXXX XXXX DOB XXXX XXXX To whom it may concern, Late Charges Removal You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights. 
15 U. S. C 1681 section 602A. Clearly states that 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 an account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a FTC report for fraud on XX/XX/23 as I have no knowledge of and have not opened the account showing on my credit report for OneMain. OneMain first reported this account to the credit bureaus on XXXX. I have reached out to OneMain and provided them my FTC report copy, a copy of my driver 's license, as well as a copy of my insurance bill. Still, they continue to report to the credit bureaus that this account is accurate and mine. Their support further advised that there were actually 4 accounts under my name with 4 different socials and the agent was unable to confirm if they had been closed. OneMain followed up that they did close my account but deny three other accounts under my name and home address with three other social security numbers. Why would a rep make this up? Your lines are recorded! What OneMain is doing is wrong. They are aware of fraud and continue to report inaccurately.
Product: Credit card

I have consistently maintained punctual payments on this account, ensuring they are never overdue. The reasons for the reported late payment remarks on my accounts are unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$490.00} $ Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3500.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2600.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$620.00}