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

XXXX Credit usage 100 % Balance {$750.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Account info Account number XXXX Open/closed Closed XXXX  Credit usage 26 % Balance {$140.00} Balance updated XX/XX/XXXX Credit limit {$550.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXXBalance {$2100.00} Balance updated XX/XX/XXXX Credit limit {$2000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account XXXX XXXX  Balance {$2100.00} Balance updated XX/XX/XXXX Credit limit {$2000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account XXXX XXXX  Balance {$20000.00} Balance updated XX/XX/XXXX Credit limit {$20000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account XXXX Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account XXXX Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$150.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account XXXXXXXX XXXX XXXX Balance {$250.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account XXXX XXXX  Balance {$490.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type Revolving account
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX XXXX. They repeatedly use fake numbers all the time. I've haven't spoke to them because I went the debt to fall off. I have blocked them everything they call..
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act list of accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 All Accounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX AND XXXX account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Macy 's credit card about 7-8 years ago and I never missed a payment. It has not been almost 10 years and they are still stating that I missed or was late on a payment. I have asked for this to be removed several times and they will not. I have disputed many many times with the credit bureaus but they do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had trouble with this account due to their system error that gave incorrect amount of days that my account was past due that caused me to pay over 30 days late and I also was told by one of their representatives that if I paid by XX/XX/2017 it wouldnt reflect a late payment. I have disputed with credit bureaus and have asked the company to fix this since they had a system errors. Multiple representatives have verified that they had a system error but still havent fixed this. I have been working on this since it happened on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : Social, ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry put on credit XX/XX/XXXX From citi cards cbna Also one from XX/XX/XXXX from cbna I did not authorize either of these hard pulls nor did i apply for credit or loans through this company.i have sent a letter XX/XX/XXXX to citi cards at XXXX XXXX XXXX XXXX XXXX sd XXXX.i have yet to recieve a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraudulent items on my credit report with Equifax, XXXX, an XXXX for the past six months to no avail. I first submitted my first dispute for XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, which is a collection account that was once removed due to fraud since XX/XX/2020. I submitted an FTC report to XXXX, Equifax, and XXXX with these fraudulent accounts and every time I submit a dispute and attach the Identity Theft Report from the Federal Trade Commission, they all states the item was certified from the creditors. I've asked for validate that the items belong to me, with my signature as proof, but the Credit Bureaus won't cooperate. Equifax, XXXX, and XXXX states that the FTC report was not valid when I worked with a representative from the Federal Trade Commission to create the Identity Theft Report. The accounts from XXXX XXXX, XXXX XXXX XXXX. and XXXX XXXX were removed already due to fraud. This is totally unacceptable and these accounts are reporting negatively on my credit report and affecting my livelihood. According to the FCRA, when you submit an Identity theft report, those accounts should be removed with 24-48 hours.These accounts have been reporting fraudulently since XX/XX/2020. The negative reporting have dropped my credit score from a XXXX to XXXX. I've spoken with XXXX XXXX about the fraud. They know I didn't open these accounts, but they are still reporting them negatively because I won't press charges on the person I suspect that used my identity. I did not open these accounts and I should not be held liable for these fraudulent accounts.I call these Credit Reporting Agencies all day everyday. It takes so much time out of my life. It's very depressing and and is taking a toll on me. The hold times to speak with a representative is almost a 45 minute wait. It's very tedious and frustrating to have to fight for what's right, when the bureaus hold your life in their hands. I pray that this complaint rights the wrong I've experienced.
Product: Debt or credit management

MIDLAND CREDIT MANAGEMENT I settled a {$510.00} debt with them in full. They have confirmed this in writing via email. They have since failed to notify all credit bureaus that the debt was settled, resulting in the only derogatory mark on my credit report. As a result, I am not able to meet my financial goals which is impacting my housing and medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, verifying that I, XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. 
XXXX 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

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX, XXXX, and TRANSUNION credit report Please remove immediately the following accounts : First Premier Please remove CLOSED ACCOUNT this account was unauthorized REMOVE CLOSED ACCOUNTS from my credit report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXXXXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXXXXXX XXXX XXXX on XXXXThe date of this inquiry is wrong.Please verify and provide proof of the date of this inquiry or remove this from my credit report. 
XXXX from Cbna on XXXX am a victim of identity theft and I never authorized this inquiry. 
XXXX from Cbna on XXXX am a victim of identity theft and I never authorized this inquiry. 
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 ), 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$360000.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 states a consumer reporting agency can not furning an account without my written instruction.
Product: Mortgage

On XX/XX/XXXX, I received my annual PMI disclosure notice from my mortgagor, XXXX XXXX, along with my mortgage interest statement. The disclosure properly contained a notice under the Homeowners Protection Act of XX/XX/XXXX, that PMI should be cancelled on my account on or after either of the following : ( 1 ) the date the principal balance of your loan is first scheduled to reach 80 % regardless of the current balance or ( 2 ) the date the principal balance of the loan actually reaches 80 %. When I called XXXX tonight to acquire about ( 1 ), I was given false and misleading information. I told the customer rep that under the terms of my original loan agreement, that the scheduled date should have occurred 7 years after I first signed my mortgage in XX/XX/XXXX. She first said that they can't give me a date when the loan was scheduled to reach 80 %. She told me that I just have to wait until it actually reaches 80 %. When I told her that her statement contradicted by the notice I received from XXXX and also was in violation of the law, she then actually pulled up the actual notice that was given to me so that she could see that the statement she provided over the phone was in error. She then said that because I had modified my loan, then they can't give me a date. I told her that the loan modification doesn't eliminate XXXX ' requirement to follow the law and abide by and provide an amortization schedule of when the loan is scheduled to reach 80 % of the balance. The entire time the representative was talking to me, she was also getting guidance from a supervisor. This tells me that both your regular and management employees are poorly trained and not knowledgeable about important laws impacting your business.
Product: Debt collection

IC Systems is reporting a collection account on my XXXX credit report that has not been validated or verified. I have never received anything in the mail from them and then I look at my credit report and they have a {$65.00} collection on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit card or prepaid card

I recieved a new credit card in XX/XX/XXXX. Upon reading the information documents enclosed I decided not to activate the account. no communication was made to activate the account after receipt of the Account Summary Table and interest rate documentation. 

I received a bill in XXXX of XXXX, that showed billing for the {$99.00} annual fee. Sent the pay coupon back to Barclays annotated that the account was never authorized and the fee should be removed. 

Sent a letter to Barclays in XXXX requesting annual fee charges be removed, the response from Barclays in XX/XX/XXXX was Unable to complete the request. 

During my pursuit to refinance my house loan the credit report came back with a 90 day past due on this credit card reducing my credit rating thus requiring a higher loan rate than originally quoted. 

Barclays has, as of XX/XX/XXXX, set the fee owing to {$0.00} and closed the account however the XXXX0,60, and 90 past due records are still reported on my credit report as confirmed through a XXXX XXXX discrepancy filing XX/XX/XXXX. 

I believe that these charges should never have been assessed, I never paid the bill, Barclays rescinded the charge for the card that was never used nor authorized. They need to correct this reporting. The cost to my family is in excess of {$9000.00} due to the higher interest rate assessed on my refinance loan. 

This record needs to be amended on my credit report by Barclays.
Product: Debt collection

I submitted a dispute on XX/XX/2023 about this. It is with Mountain American CU. I have already tried to dispute it with them. Somebody took out a loan in my name, and I did not authorize it for {$1900.00}. Their phone number is XXXX. Their address is XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX .
Product: Checking or savings account

On Friday XX/XX/2023 I went to an Bank of America in XXXX SC on XXXX XXXX to deposit {$500.00} in an ATM to my checking account. During the transaction phase after I put the money in the slot provided by the ATM a message appeared stating it was unable to process my deposit. The money was not returned. I immediately called the number provided on the ATM, but as of filing this complaint I have not receive any money to my checking account. I was told that it could take 2 to 10 days to resolve this issue. No other solution was offered and the money was needed to provide funds to purchase an air conditioner for a family member. This is not the first time I have made a deposit to a Bank of America machine only to have the issue resolved several days later.
Product: Debt collection

Someone has the same name and birthdate as me- they are using my address to run up debt. Our social security numbers are not the same- the debt is not mine. I get calls all the time and now I received a settlement letter from Emmett L. Goodman Jr, LLC out of XXXX representing XXXX XXXX XXXX as assignee and purchaser of XXXX XXXX , XXXX and Co. When I try to dispute the information they claim name, address and birthdate are the same- it has to be mine- even though last XXXX of social are NOT the same. I do n't know how to fix this and the Goodman office wo n't do anything. If its not me- then this is harassment. I have great credit and have worked hard to keep it up- I am an upstanding citizen in my community and I find it very stressful- the calls and letter.
Product: Credit card

I purchased a paint gun from XXXX, I paid {$250.00} and never received. I tried calling Paypal and the shipper but found not get an answer, I tried filing a claim with my credit card but they said to much time had past. We gave up and now reading this on XXXX I 'm hoping for justice.
Product: Credit reporting or other personal consumer reports

Santander Consumer was deleted off my account after a fraud dispute but its back alongside anther collection i didnt do
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$9600.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$9600.00}