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

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''
Product: Credit reporting

Why is Equifax allowed to claim that accounts are mine when the company 's claim they have not told Equifax this and Equifax refuses to send the information sent to them by these companies. No wonder most credit reports have errors, it is like Equifax is a daycare.
Product: Credit reporting or other personal consumer reports

I SEND XXXX A DISPUTE LETTER AND NO ANSWER ABOUT THIS ACCOUNT SHOWING ACTUAL DATES BEING REPORTED AND A BALANCE AND THIS ACCOUNT IS A CHARGED OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

1. in accordance with the fair credit reporting act XXXX  account # has violated my rights.

2. 15 u.s.c 1681 section 602 A states i have the right to privacy.

3. 15 u.s.c 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.

4. account # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to have fraud alerts removed from my report with no response. I called in and was transferred to several agents and was not able to have fraud alert removed. I would like the fraud alerts removed immediately.
Product: Debt collection

IN XXXX MY IDENTITY WAS STOLEN. A FAMILY MEMBER CAME INTO OUR HOME IM NOT SURE ABOUT WHICH ONE WHO DID IT. MY SOCIAL SECURITY CARD ALONG WITH MY BIRTH CERTIFICATE AND ID WAS STOLEN, ALONG WITH MY DAUGHTERS. I REPORTED THE STOLEN BIRTH CERTIFICATES AND SOCIAL SECURITY CARDS TO THE IRS AS SOON AS I NOTICED THEY WERE MISSING I HAVE PROOF I HAVE A COPY OF THE REPORT. I HAVE BEEN TRYING TO CLOSE THIS REPORT WITH XXXX AND THEY ARE FIGHTING ME TO DO SO. I HAVE FILED A POLICE REPORT AS WELL. I NEED TO HAVE THIS REMOVED OFF OF MY CREDIT BECAUSE I HAVE NOT DONE THIS ACCOUNT. IF THIS DOES NOT GET REMOVED I WILL HAVE TO TAKE FURTHER LEGAL ACTION
Product: Credit reporting or other personal consumer reports

THEY KEEP ADDING INCORRECT INFORMATION THIS IS SICKENING. I CAN NOT EVEN LOG ONTO THEIR PLATFORMS TO CORRECT IT
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, TransUnion, XXXX immiediatly. 

XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 202
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint** XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX **Subject : ** Complaint Against Experian for Inaccurate Credit Reporting **Description of the Issue : ** I am writing to file a complaint against XXXX for reporting inaccurate information on my credit report related to my XXXX XXXX XXXX account XXXX 

**Details : ** - **Credit Reporting Agency : *XXXX Experian - **Account in Question : ** XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX credit card balance increased from {$0.00} to {$17.00}. This information is factually incorrect. 

The inaccurate reporting of my credit card balance is a violation of the Fair Credit Reporting Act ( FCRA ) and is affecting my ability to obtain credit. 

**Action Requested : ** I request that Experian update/correct the information on my credit report, and provide confirmation of the resolution. Additionally, I seek assurance that this will not affect my credit standing further. 


Thank you for your attention to this matter. I look forward to your prompt response. 

**Sincerely
Product: Credit reporting or other personal consumer reports

I pulled my credit report and seen that there all inaccurate information on my credit report Collection accounts that are only on one credit report that i dont have any knowledge of.

Late payments and charge off accouts With different names and address that arent mine. 
From XXXXXXXX XXXX XXXX, and XXXX that is only showing up on XXXX credit report. 
18 U.S. code 894
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2017 XXXX : {$38000.00} XXXX Taken : Ask for proper reinvestigation and Experian is willfully non-compliant.
Product: Credit card

Last year I signed up for a monthly subscription box with a company called XXXX. XXXX failed to provide the subscription box although it did charge my credit card. I successfully disputed the charge with Chase, but my credit card was charged again the following month, prompting me to seek assistance from Chases customer service, I was told that the only remedy would be canceling the credit card which I declined, choosing instead to continue disputing the charges monthly. Recently, I had to cancel the credit card for unrelated reasons, and assumed this would also put an end to the unwanted recurring charges. However, I was charged again this month, even with the inactive card. Contacting Chase once more, I was informed that XXXX could still access my account. I was told that even if I close the account, entirely, the charges could persist post-closure. At this rate I will continue to be charged in perpetuity. A more comprehensive and effective solution is sought to address this recurring issue.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, XX/XX/XXXX I took out a personal loan from XXXX for the amount of XXXX. An approx. total of {$3400.00} was made to this balance. After hitting some hard times having to take on medical bills for XXXX XXXX for my son, the payments to the account had paused for a few months. During this time my account had been sold to Velocity Investments LLC, then in turn had two different companies reaching out and sending collection correspondence to my address. I requested to be send a statement of payments for this account that did not originate with them. After receiving statement of payments I realized the payments were not consistent with the demanded balance and had started to dispute this balance that was apparent to be invalid. The original balance of {$13000.00} was sold for {$13000.00} after making approximately {$3400.00} in payments, according to the statements received. After many attempts of dispute and no resolve I received a summons on XX/XX/XXXX that was filed XX/XX/XXXX from the county clerks office that I am now being sued by this company that purchases debt ( Velocity Investments ) for pennies on the dollar claiming I was refusing to pay and that the " Plaintiff prays for judgement against Defendant ''. I am in desperate need of your help to investigate this issue so companies like this can no longer prey on the lesser fortunate for their own gain.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly investigate and remove fraudulent accounts from my credit report despite multiple attempts and providing sufficient documentation to support my claims, including a police report for identity theft. 
Details : * Initial Dispute : * Sent : XX/XX/2023 * Received by Experian : XX/XX/2023 * Disputed Accounts : XXXX XXXX, XXXX XXXX XXXX, and ACHIEVE PERSONAL LOANS ( detailed as fraudulent ). 
* Experian 's First Response : * Dated : XX/XX/2023 * Content : Generic response questioning the authenticity of my dispute and providing no substantive action on the reported fraud. 
* My Follow-Up : * Sent : XX/XX/2023 * Received by Experian : XX/XX/2023 * Content : Expressing frustration with the lack of action and demanding an investigation as per the FCRA regulations. 
* Second Experian Response : * Dated : XX/XX/2023 * Content : Identical to the first response, neglecting to acknowledge my specific dispute or the evidence provided, and not taking the required action to investigate or remove the fraudulent items. 
In both cases I provided my Drivers Licenses, Utility Bill, Police Report, Identity theft report Violations : * Failure to Act : Experian has not taken action within the FCRAs stipulated 30-day investigation period.

* Non-Compliance with FCRA 605B : Experian failed to block the fraudulent information within four business days following the acceptance of my identity theft report and supporting documents. 
* Generic Responses : Experian has only provided generic responses, ignoring my direct communications and documented evidence of identity theft. 
Impact : This inaction by Experian has left fraudulent information on my credit report, affecting my financial standing and causing significant distress and potential financial harm.
Product: Debt collection

The listed Companies are reporting inaccurate account information on My Consumer Report, along with the three well known Credit Bureaus, Experian, XXXX and XXXX. After speaking with the listed Companies and assured this information would be removed the account information still appears in an adverse manner.

Under the FCRA 605-B AND 15 U.S.C. 1681C-2 The consumer has he right to block inaccurate/unverified information From Their Consumer file, I'm asking this information be Removed. within this complaint please find a file affidavit with the Federal Trade Commission, The legal fact this debt has not been verified and I did not give my Verbal or written consent in order for these entities to report is violating my Consumer Rights.

which leads me to the ongoing problem with Experian Credit Bureau, XX/XX/year> I began the dispute process simply asking Experian to remove a Social Security Number which did not belong to me along with addresses and names Clearly was not mine, I've sent numerous times proof of my identity per Experian request to no avail the information is still reporting on y Credit report and this is allowing whom ever to utilize my personal information without my permission.

Please advise all Three Credit Bureaus To remove this Erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters validating they received my drivers license proving it's me disputing my credit report and disputed inquiries. They STILL HAVE REFUSED TO REMOVE 17 INQUIRIES FROM MY CREDIT REOPORT in the last 3 months. This is wasting my money and time. I want the 17 inquiries removed immediately. I have never known anyone to help someone else out and remove inquiries making send proof of identity. I dont know if they were being funny. But this is negatively effecting my credit score. They are fraudulent and/or unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a balance on my Credit Report from Country Door. I disputed these charges, they state on Credit report Charged Off as bad debt ; Dispute resolved ; reported to grantor. Closed XX/XX/2018. It still remains on my report where it is being marked.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off, this is a complaint from the actual consumer & not a third party This credit card was paid off by me in XXXX but Experian keeps reporting this as a negative account & if the account has been paid off then the negative payment information needs to be deleted altogether per the FCRA. The creditor has also reported the incorrect balance while Experian has deleted all positive payment history from this account. In addition, the bureau also still hasnt deleted my old addresses & name variations after I sent this information to them. Ive also asked for an investigation per section 611 of the FCRA to how theyre still allowing incorrect information to be reported & they continue to ignore & act as if my disputes arent clear. If any of this information isnt updated or if this complaint gets tosssd again I will be contacting my attorney Im not asking for another dispute, I want to know how you all are continuing to verify inaccurate information on my credit report. Ive sent several other complaints that have been ignored by your company & need you all to actually do your job
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXX several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately
Product: Credit card

I filed complained for {$200.00} against NY XXXX MOVERS with Bank Of America visa on XXXX/XXXX/2016 under claim # XXXX with transaction ref # XXXX. I received a letter from bank of america on XXXX/XXXX/16 at about XXXX dated XXXX/XXXX/2016 posted on XXXX/XXXX/2016, asking me to reply by XXXX/XXXX/16 I called bank of America visa and informed XXXX XXXX XXXX Who told me that I can not reply by fax but only reply by mail and there is 10 days grace period and adivised me to send reply in next 2 days. He aIso told that he putting note regarding our phone conversation in the system. I posted my reply on XXXX/XXXX/16. I got email on XXXX/XXXX/2016 to look into my on account for alert. When I open the alert, It was the letter stating that my claim is closed as It has passed time limit. I called again on XXXX/XXXX/16 and spoke with XXXX XXXX who asked to me call dispute dept at XXXX on Monday XXXX/XXXX/16 and they will reestablish the claim. When I called on XXXX/XXXX/16 at about XXXX I spoke with XXXX and explain them all the fact but they only stated they can do nothing as they have not received my reply by XXXX/XXXX/16. I told them that that is my mistake and hence either you reopen dispute or give me {$200.00} credit. I was offered {$50.00} credit as cursey by XXXX which I refused and I told her that either give full credit or I will be not responsible for the payment. I am ready to provide any more information if needed. I told XXXX that i spent about 3 hours of my precious retirement time to resolve the problem and I am doing this to get justice.
Product: Credit card

I opened a line of credit at Macy 's and purchased a single item. I paid the bill I received in full, but continued to receive statements reflecting a small balance ( i.e., under {$4.00} ). I called the Macy 's XXXX and paid the card off in full ( again ), and continued to receive statements reflecting a small balance. I called today XXXX XXXX XXXX, 2016 ), and the Macy 's representative admitted that her records showed that I had paid the bill in full in XXXX ; she therefore " waived '' the balance of {$4.00} reflected in my XXXX statement. Once the Macy 's representative " waived '' my remaining balance, I cancelled the account. I wonder whether Macy 's is charging other people interest payments on zero balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60dayXXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Debt collection

on XX/XX/2018 I sent a dispute letter to IC System asking for validation. I received back letter saying " XXXX has provided the attached information verifying your responsibility ''. On XX/XX/2018 I send a second letter because yet again IC System have failed to provide me with copy of any viable evidence. I have no record of the above account and i am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C 1681g the consumer is entitled to said records the requested. 
The information they are reporting is harming my reputation, its adversely affecting my credit worthiness and i am being denied credit as a result of this inaccurate reporting. They are in violation of the FCRA. On XX/XX/2018 i send a third letter, stating I have retained new copies of my credit reports and noticed that they did not furnish the credit bureaus with the required disclose within the period required by law. 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or  threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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

On XX/XX/2016 Credit Collection Servic ( XXXX XXXX XXXX XXXX, MA XXXX ) agreed by telephone to my request of a pay to delete. A verbal contract is a legally binding this unwritten agreement that consists of all the normal elements of a contract. I trusted Credit Collection Servic enoungh to keep their end of the deal like I did when I paid them a {$190.00}. This account is showing up on my XXXX report I'm giving Credit Collection Servic the benefit of the doubt that this is a mistake on their behalf. This account was supposed to be deleted from all three credit bureaus when I paid the {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I DOWNLOADED A SOFTWARE YEARS AGO TO MY COMPANY THAT ENDED UP HAVING A VIRUS ATTACHED TO IT THAT ENDED UP CLEARING EVERYTHING FROM MY COMPUTER AFTER STEALING ALL OF MY PERSONAL INFORMATION FROM ME. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT RECENTLY AND NOTICED THERE IS A TON OF FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. XXXX, Transunion, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$410.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} XXXX XXXX {$6700.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX