23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Police Reports along with FTC identity theft affidavit identity to Experian ( twice ), XXXX, and XXXX. XXXX, XXXX and Experian have failed to remove the accounts in a timely manner, and reinserted accounts without proper notificaion *If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 


all three bureaus have failed to provide to me the investigation process and details used to verify the accounts, which is information I have the right to, under the FCRA 609,611. Experian, XXXX, and XXXX are clearly in violation of FCRA 609 and FCRA 611. Even after receiving a request to delete the accounts, the accounts are still reporting the fraudulent accounts on my credit reports. If they do not remove the account, I will be force to pursue legal action against Experian.
Product: Debt collection

I originally received a call from this company attempting to collect a debt. I offered a settlement without doing any research on the account because I recognized it. They denied the first settlement offer, I then tripled the settlement offer and still they refused. So I did some research and disputed the account with the 3 credit bureaus. They all removed the account from my report on the grounds that it was too old to be collected on. 
I called this company and notified them of the finding by the credit bureau and asked for them to XXXX out the balance and close the account, they refused. I then asked not to be contacted any more. They continue to contact me on a weekly basis. This morning I awoke to an alert on my credit report, they have since reported the same debt removed from a dispute again and continue to call me. 

Please help me, these people are harassing me and ruining my credit that I have been trying so hard to fix.
Product: Credit reporting, credit repair services, 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.

XXXX XXXX Account # XXXX has violated my rights XXXX  XXXX Accounts # XXXX and # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX  XXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX Account 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 adverse item of information, other than records of convictions 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

I am being harassed by Synchrony Bank for payments showing past due only because of their banks error. 
I have a term powersport loan for a XXXX XXXX through Synchrony Bank. I am on Autopay as confirmed in writing by Synchrony bank. They mis-applied then corrected a {$2000.00} principal pay down made on XX/XX/XXXX, however when corrected and reapplied they put me in arrears and started collection calls, stating my autopay was not scheduled to start until XXXX ( due to the incorrectly posted {$2000.00} ). I have explained this two months in a row to the collectors XXXX on XX/XX/27 and another not so nice collector on XX/XX/27 who were calling me for money, none have acted to resolve this and re-start the autopay. I was unable to reach a supervisor or manager as they transfer you into a queue to wait, one time I waited 15 mins then disconnected, the other time I was disconnected after 5 mins so I have abandoned the effort to speak to someone in management at Synchrony Bank. I also wrote a letter mailed XX/XX/XXXX to XXXX XXXX XXXX of XXXX XXXX XXXX Vehicles regarding the matter. I also called on XX/XX/XXXX and spoke to XXXX regarding the correcting the principal paydown. Synchrony has my confirmed auto payment set up and were drafting payments successfully prior to the debacle with the {$2000.00} principal paydown, they also have my {$2000.00} but continue to harass me for money two months in a row and appears no action is being taken to resolve the matter though I have explained this 3 times now.
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 the following inaccurate accounts in my report : Bankruptcy Chapter XXXX XXXX Bankruptcy Chapter XXXX XXXX Bankruptcy Chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a message from my employer stating they received a very rude phone call from someone asking about me. I called the number back, and XXXX was insinuating that she would take actions to involuntarily collect the supposed debt I owed. She said that she has verified my employment and that her client has retained an attorney. I am not aware of any of this, as I have not received a written notice of the debt or the collection attempt.
Product: Credit reporting or other personal consumer reports

Dear Capital One Customer Service, I am writing to bring to your attention a series of concerning and, in my view, unlawful actions taken by Capital One regarding an account that has negatively impacted my credit history. I believe that Capital One has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Failure to Notify Statute of Limitation Expiry : I have recently discovered that Capital One has been reporting an account, ending in # XXXX, as an outstanding debt that I Allegedly owe. However, the statute of limitations on this account has expired, and Capital One failed to notify me of this fact. This action violates the FCRA, which requires creditors to report accurate and up-to-date information. 
XXXX. Ignoring FTC Identity Theft Report : I previously submitted an Identity Theft Report to the Federal Trade Commission ( FTC ), reporting that the aforementioned account is a result of identity theft and does not belong to me. Despite this report, Capital One has continued to pursue collection activities and report the debt as if it were valid. This disregard for the FTC Identity Theft Report violates the FCRA and FDCPA. 
3. Failure to Provide Contact with My Signature : Capital One has failed to provide adequate verification of the debt in question, including the absence of a signed agreement or any other form of documentation bearing my signature. This omission raises serious doubts about the legitimacy of the debt and violates the FDCPA.

4. Unauthorized Reinstatement of Reporting : I also observed that this account stopped reporting at one point but was inexplicably reinstated without any explanation or notification from Capital One. This action raises questions about the accuracy and integrity of Capital Ones credit reporting practices, which is a violation of the FCRA. 

I demand an immediate and thorough investigation into these violations and the removal of the disputed account from my credit reports. It is imperative that Capital One rectifies these matters promptly to avoid legal action. I am prepared to pursue all legal remedies available to me if these issues are not addressed satisfactorily within a reasonable timeframe. 

I kindly request that you provide a written response to this complaint within 30 days, outlining the steps Capital One will take to rectify these violations. Failure to do so will leave me with no choice but to escalate this matter through legal channels. 

I refuse to pay this debt that does NOT belong to me. 

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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX credit XXXXeporting agency XXXX XXXX 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 a Collection account opened at XXXX XXXX, XXXX on XX/XX/XXXX under the XXXX,. These accounts haveresulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of XXXX 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 US Federal Trade Commission that all of 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

Experian REFUSES to remove an inaccurate Bankruptcy they keep reporting on my credit report even after being notified by XXXX XXXX that it was removed from their file. This is ILLEGAL!!! They were notified and sent letters pertaining to this matter on FOUR separate occasions, dated XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX! They were sent attached letter from XXXX XXXX, see attached! Experian had the temerity to come back and say they " investigated '' the evidence I submitted and alleges that XXXX XXXX  " verified '' info that they denounced on the attached letter sent to me from XXXX XXXX on behalf of CFPB. So i am confused, how did Experian " verify '' this Bankruptcy from a company who removed it due to it being inaccurate and illegally reported. Is XXXX XXXX lying about removing it from my file? Or is Experian lying about launching an investigation into my concern. Either way my rights under the FCRA/FDCPA CFPB MUST hold these companies accountable. These bureaus should not be able to lie and destroy consumers lives! THERE IS NOTHING TO " INVESTIGATE '' THE LETTER ATTACHED IS ALL YOU NEEDED TO SEE. REMOVE IMMEDIATELY BEFORE I SUE AND EXPOSE THESE ILLEGAL PRACTICES!
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXX/2994 ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used vehicle in XXXX. I financed it with Santander. In XXXX I sold the vehicle to a guy who wasn't able to get financing so I carried the note for him. He defaulted in XXXX and I wasn't able to make the additional payments. There was a little over {$3000.00} left owed on the truck. 11 years later and Santander continues to change the dates on the account and continue to report the debt on my report. I have gone through every option available to get them to remove the debt, but they refuse. I don't have a copy of the loan documents so I haven't been able to prove the dates. I have requested a copy of the original loan document and Santander doesn't respond. They are now showing the account as being opened in XXXX of XXXX. That is incorrect. I have since rebuilt my credit and got back on track. However, I'm limited because Santander is reporting far beyond the 7 year reporting time.
Product: Credit reporting or other personal consumer reports

FCRA 605B, in my understanding, necessitates the deletion of any incorrect accounts from my credit report. Can you verify the documents? Some of the accounts listed contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Payday loan

My understanding was that I was taking out an installment loan, which I expected would have monthly interest charges. However I am being charged {$250.00} bi weekly for a {$1000.00}. at an interest rate that is over 700 %. They will not stop the ACH payments, and make payment arrangements. I will be forced to close my bank account, as I can not afford to have this coming out of my account bi weekly.
Product: Debt collection

I have gone to the hospital and advised them that this is not my bill I have never been to there hospital and definitely have no reason to visit hospital. Now I have this collection agency attempting to collect from me for an emergency room visit I did not do, however I have called my insurance XXXX XXXX to advise them that they paid on a bill that I did not incur my purse was stolen at XXXX Mall approx. XXXX week prior to this visit.
Product: Credit card

Capital One has been sending me emails saying I'm pre approved to get a line of credit so I've applied a couple of times, I've been denied every time... .I contacted them and asked them to stop contacting me and I still receive pre approval offers on an almost daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE! I have sent an identity theft report ( FTC ) through CFPB for inquiries that was not authorized by me ( without my written consent ). I sent a complaint through this portal. I got a response from Equifax, XXXX XXXX stating that 17 of the inquiries were deleted. The confirmation number for the file is XXXX. I received another one on XXXX XXXX file number XXXX, and XXXX, file nimber-XXXX and with the inquiries still being listed. I feel that this is a violation of my rights as a consumer. I called Equifax three times today and when I got to the fraud department and gave them the information that was needed, I was told that I had to send in my identification and Social Security Card again. I have sent them this information. I have sent it through this portal as well.
Product: Debt collection

I never picked up the phone when they called but it went straight to my answering machine. I do n't know why they are calling. I am on two no call list. I have no outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening XXXX Mgr ; XXXXExperian and Cfpb ; Listen, Im shocked and perplexed today when I reviewed my credit report and still noticed that your company continues to report erroneous, misleading, incomplete information on my name for this XXXX account # XXXX Acct # XXXX. I downloaded the FCRA guide/law from FTC website several months and learned so much about consumer law. Its my basic understanding that if youre going to report information on my consumer credit report, you must ensure that youre reporting them 100 % accurate, timely and verifiable according to the provisions of FCRA. Well, this account is unverified and there is no way that you can continue it report on my credit and say that its verified. I also noticed that XXXX removed it due to violation. Its reporting with multiple inaccuracies and inconsistencies. For example, there are different and questionable dates of last verified, last reported, last payment, dates of last active, and questionable dates of 1st delinquency. Each credit bureaus are reporting this in error, plus I already paid this account and I was told that in 30 days it would be removed from my credit report. Why only XXXX removed it from my credit report? Why are there 30/60/90 CO status payment status after the account has been closed. This account is in violation of fcra and its unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, nor benefit from, or authorize any of the following inquiries 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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

please see attachment regarding the lawsuit filed against Experian and how it pertains to my disputed accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Customer service XXXX XXXX department XXXX XXXX XXXX XXXX Ohio XXXX Dear XXXX XXXX XXXX XXXX, I am writing to address a recent issue regarding a late payment on my XXXX XXXX XXXX XXXX. I apologize for the inconvenience and want to provide context for the delay in payment. 
Unfortunately, my XXXX XXXX Bank account was flagged and hacked, which prompted me to take immediate action to secure my finances. As a result, I had no choice but to close the compromised account and open a new one with XXXX XXXX Bank. During this process, I was assured by XXXX XXXX Bank representatives that my direct deposits, including payments to XXXX XXXX XXXX, would seamlessly transition to the new account for the next XXXX months. 
However, it has come to my attention that this transition did not occur as expected, resulting in a delay in the processing of my payment to XXXX XXXX XXXX. I understand the importance of timely payments and take full responsibility for ensuring that my financial obligations are met promptly. 
I want to assure you that steps have been taken to rectify this situation, including updating my payment information with XXXX XXXX Bank and setting up automatic payments to avoid any future delays. 
I value my relationship with XXXX XXXX XXXX and am committed to maintaining a positive payment history. I appreciate your understanding and cooperation in resolving this matter promptly. If there are any additional steps I need to take or if you require further information, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has inaccurate information on my report and they have claimed it is 100 % accurate information. They have sent my disputes back twice, and they also provided me with a way to review my report and the problem is still there. Also they claim to have contacted UTAH FEDERAL BANKRUPTCY COURT - XXXX XXXX when there is no such thing by that name. They are using the inaccurate information on my report to tell me they are accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I requested my annual credit report on XX/XX/2019. I received XXXX and XXXX within days. Experian has never complied or responded and I have tried calling the number on the website and it puts you in a loop that tells you you must select fraud or security freeze so you can not speak to anyone or get any assistance