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

To Whom It XXXX Concern, I am writing to formally dispute the reporting of the closed credit card account referenced below, which is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). The account in question is being reported incorrectly by XXXX, Experian, and XXXX, and I demand that it be immediately deleted from my credit reports. 

Account Information : Account Number ( redacted for security ) : XXXX Creditor Name : XXXX XXXX XXXX Account Type : Credit Card Current Status : Closed ( by creditor due to inactivity ) High Balance : {$580.00} ( XXXX and Experian ) ; {$500.00} ( XXXX XXXX Last Verified : XX/XX/year> Date Opened : XX/XX/year> to XX/XX/year> Date Closed : XX/XX/year> Balance Owed : {$560.00} Payment Status : Late 60 Days Discrepancies and Violations : Inaccurate Reporting of Credit Limit Under the FCRA ( 15 U.S.C . 1681c-2 ), a credit reporting agency is prohibited from reporting any credit limit for accounts that are closed, yet this account continues to report a {$500.00} credit limit despite being closed. This is a clear violation of the FCRA, as the credit limit reported is no longer relevant after the account has been closed.

Failure to Correct Reporting of Account Status The account is marked as " Closed '' and the creditor 's remarks indicate that the account was " canceled by credit grantor due to inactivity. '' However, the account is still being reported with incorrect late payment information. Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), when an account is disputed, the creditor must correct the inaccuracies within 30 days of receiving the dispute. This account contains several incorrect and outdated details, including the reporting of late payments ( 60 days late ), which should not be on a closed account if it was paid off. 

Inaccurate Payment History The account is reported as being 60 days late across all three bureaus, even though the last payment was made on XX/XX/year> for XXXX and Experian, and XX/XX/year> for XXXX. This inconsistency in reporting dates suggests an error or reporting delay and is misleading. 

Failure to Properly Verify Account Information The failure of XXXX, Experian, and XXXX to ensure the accounts information is accurate violates FCRA Section 1681i, which mandates that they must correct or delete inaccurate information when the dispute is validated. The creditor has not properly verified the account details, as evidenced by the inconsistencies between the XXXX reporting agencies. 

XXXX XXXX XXXX XXXX FCRA 15 U.S.C. 1681e ( b ) requires that the information reported is accurate, complete, and up-to-date. Reporting an account as open with a credit limit of {$500.00} when the account is closed and no longer active is a misrepresentation and is a violation of my consumer rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ignored all of my questions in my latest complaint. Equifax states they verify that XXXX XXXX, and XXXX XXXX accounts are accurate and mine yet never provide any proof of investigation to me. Equifax has an address listed that is incorrect that they never removed thats fraudulent. Equifax did not complete an investigation and has continued to lie. Equifax also stated they verified XXXX yet I received a letter from the company XXXX telling me they would remove the account from my credit as they verified it was fraud. Yet equifax again said they verified this account as accurate. They do not investigate and the identity theft occurred after the equifax data breach. Additionally equifax is lying and not providing proof of investigations. Equifax ignores my questions and does not provide resolution. Equifax is also allowing creditors to access my reports illegally without my permission. Nor written consent. Equifax is causing damages to me from actually placing fraud on my reports. These accounts have already been verified as FRAUDULENT. From XXXX  and XXXX. Yet equifax states they verified these as accurate. Yet they deleted only one XXXX XXXX account, yet not the other two. Which again proves equifax doesnt care to resolve fraud. They continually lie. They must be doing this to other consumers too as I will continue to write complaints until Equifax quits lying and stops causing personal damages by placing fraudulent accounts on my reports. Additionally XXXX XXXX stayed Equifax wasnt supposed to put these accounts on my reports they are inaccurately reporting the amounts as well. All around Equifax is committing fraud.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few Personal credit card 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 XXXXXX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Mortgage

I filed for bankruptcy 16 years ago. However, my mortgage was not included in the bankruptcy. My mortgage with Wells Fargo used to be reported under their company America 's Servicing Co as paid and current. After my bankruptcy, Wells Fargo took over the loan. Wells Fargo is refusing to update or report my mortgage to the credit bureau. This has resulted in me not being able to ReFi or sell my current mortgage. My bankruptcy was discharged approximately 16 years ago. Wells Fargo is refusing to update and report my credit history. I would like for my Mortgage to be investigated and reported accurately as it did before the Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, DEPT OF ED/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 card

The account shows that I have spent well over $ XXXX with my american express platinum account and earned XXXX points. Their own screen shows that I spent XXXX points, yet they say I only have one point left available. I have spent more than 15 hours on the phone with american express this year because they have made HUGE mistakes, including making my account available to another person that was not authorized to see my account. 

Additionally, because they made a previous mistake and changed the name on my account, I was not able to use the lounges at the airport. I need to be compensated for that. They charge {$75.00} per person and I had 1 trip that I was refused entry for me and my companion, that should be compensation of {$300.00}.
Product: Credit reporting or other personal consumer reports

I have been trying to get all three credit agencies to remove both bankruptcies from agencies as they are inaccurately reporting. name is incorrect, dates are incorrect, person al details are all incorrect. 

I further contacted the Courts and they advised that they do not report to any agency. I contacted XXXX and they have refused update there information to reflect correct information by the court system. 

please assist me with getting these two bankruptcy reporting removed, or properly reported per the Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

Back in XXXX The XXXX XXXX  debited my PayPal account for {$40.00} without a proper notification. After attempting to file the initial dispute with PayPal ; PayPal deemed the transaction legit and would not allow any further case review. I had no other recourse than to file a dispute with my financial institution which in this case was XXXX XXXX. Meanwhile, after some phone calls The XXXX XXXX finally agreed with me and refunded my {$40.00} and the case has been closed now for XXXX weeks ( XX/XX/2023 ) at least. 
PayPal will not allow me to close my account. Each time I chat with a PayPal representative its a different story as to why they wont allow me to close my account. Today however was different. PayPal now requests a letter from XXXX XXXX  stating the dispute has been closed. I contacted XXXX XXXX  dispute representative and was told directly from XXXX XXXX  that we have never had to send a letter to PayPal, they should see the dispute has been settled. I am now under the impression that PayPal is purposely trying to hinder me from closing my account. Perhaps PayPal has connections with the XXXX XXXX and as we know the XXXX XXXX XXXX is a XXXX  based near PayPal hq. So its not a stretch to believe that. I see no other reason why PayPal will not allow me to close my account. Especially since my own financial institution, XXXX XXXX  agrees with me.
Product: Checking or savings account

On XX/XX/2022 I noticed a fraudulent account opened without my knowledge at XXXX XXXX and XXXXXXXX XXXX The account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$76.00}, possibly more. 

This account was opened without my consent and my personal information was falsely used! I have included my FTC affidavit for my support and reasons.
Product: Debt collection

I moved out of an apartment complex and did not pay the final month of rent. They sent me to small claims and ultimatley garnished me. I fullfilled the full garnishment that was approximatley {$3300.00}. On the garnshment there was a column for other damages ( as far as carpet blinds basic maintance of the aprtment ) and on the original garnishment they put XXXX. In the state of Arizona you can file a small claims complaint of up to {$3500.00}. Now US Collection west is attempting to garnish another {$1300.00} for damages. In addition, with the original garnishment they charged for rent unpaid. In this new small claims complaint they are charging another {$540.00} in rent ( what they told me the time it took to rent out the apartment ). They are attempting to sue me twice on XXXX lease agreement. I feel like they got the most they could get in the original garnishment as allowed by small claims court XXXX and they are attempting to go for more. Another issue I am having is they filed the original small claims complaint with XXXX Justice Court and now for the second complaint they are filing with XXXX XXXX Justice Court. I would like an explanation on why they are using different courts if it is the same collection agency and for the same apartment complex. I believe this to be decieving the court system
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. 

The account listed XXXX XXXX Account # XXXX. 

Last Verified : XX/XX/2020 -- -- Date of Last Activity : XX/XX/2020 XX/XX/2020 XX/XX/2020 Date Reported : XX/XX/2020 XX/XX/2020 XX/XX/2020 Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Closed Date : XX/XX/2020 -- -- Account Rating : Transferred Closed Transferred Creditor Remarks : Purchased by another lender Purchased by another lender Account transferred or sold Real Estate Mortgage Account Type : FHA real estate mortgage FHA real estate mortgage Real estate mortgage 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

To be honest the closest description would be lack of information because I have not received any notification in 4 years that I have an outstanding balance. I did not even know this debt existed up until about about 4 months ago. It almost seems like they 're letting the interest build up purposefully. I can not verify from either parties if this debt is even mine because I have not heard a peep from either of them.
Product: Mortgage

On or about XX/XX/XXXX, LoanCare filed a foreclosure complaint with the competent jurisdiction of Connecticut. Since this is a VA Home Loan, the VA wrote me a letter stating that I could reinstate my mortgage. 

On XX/XX/XXXX, I had paid {$35000.00} to reinstate the mortgage, which exceeded the reinstatement value provided to me by LoanCare. The mortgage should have been reinstated at that time, but the mortgage was not reinstated and LoanCare proceeded with foreclosure proceedings. 

On XX/XX/XXXX, I received an email from LoanCare stating that they did receive any money to be applied to my mortgage and continues to proceed in contacting me for debt collection purposes.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an inaccuracy regarding my payment history. Specifically, my account with XXXX is incorrectly showing late payments for XX/XX/2019 and XX/XX/2019 when, in fact, all payments were made on time. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure all reported information is accurate and verifiable. I am formally requesting that you investigate this matter and provide verifiable proof, including payment records, showing that I was late on these payments. If you are unable to verify this information with supporting documentation, I demand that the inaccurate late payments be immediately corrected to reflect an on-time payment history. I have attached a copy of my credit report highlighting the disputed account for your reference. Thank you for your prompt attention to this matter. Please provide a written response confirming the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries. Please remove these inquiries immediately. I have included my ftc report XXXX XXXX, 2023 CompanyXXXX XXXX XXXX  Date-May XXXX, 2023 XXXX XXXX, XXXX XXXX XXXX, 2023 Company-XXXX XXXX XXXX
Product: Debt collection

I received notification yesterday, XX/XX/2022 that I have an XXXX XXXX XXXX account that has passed into collections for the amount of {$1100.00}. 

I called the debt collector ( MRS ASSOCIATES, ) informed them this was identity theft, and they told me to do the following : 1. ) File a police report ( done. ) 2. ) Let the company, XXXX XXXX XXXX XXXX, aware of the situation. ( Done. ) 3. ) Email them with confirmation of these. 

I have completed these steps, and also put a fraud alert on all three major credit bureaus. 

I have never had an account with XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I have already contacted the creditors who report these Inquiries that I do not recognize and are fraudulent and have already been reported to the fraud department. These are the fraudulent Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I signed up for the TD Bank credit card for the {$150.00} cash back after spending {$1000.00} in my first so many billing cycles. After activating and spending approximately {$250.00} on the card, it was locked for suspicious purchases. I called and spoke with a representative who needed to call my phone number to verify my identity before discussing my account. I failed to answer the phone call and hear the code number one time. Due to a difficulty using this phone number, I asked if they could try another number and they could not. They are now refusing to discuss unlocking my account further unless I visit a branch in person. The problem is that the nearest branch is 2 states away from me. I have already spent considerable money with them towards my {$150.00} bonus, but it appears I will not be able to use the card to complete the bonus.
Product: Money transfer, virtual currency, or money service

I'm unable to add my bank account to XXXX due to change in bank 's policy regarding to linking accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$810.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband added me to his XXXX card as an authorized user before we were divorced ... XXXX will not remove this fir me. Equifax is also refusing to remove this. I am not responsible for this account
Product: Credit reporting

Equifax has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the paid off accounts listed below. Please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete the alleged late payments from my credit report. 

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

Even with multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus previously on XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested to correct the inaccurate information which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the account listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX Balance {$1700.00}
Product: Checking or savings account

XX/XX/2020 a company took money out of my bank account and this happened several times and it was companies that I never signed up with but got my account information from some credit score company and my bank XXXX  XXXX would not help me get my money back and left me to try to recover my funds of {$64.00} XXXXand {$59.00} I was finally able to get XXXX XXXX to block a recurring charge but I had to change my account number and get another bank card for my account and also several times the Direct Express service did the same thing to me and I had to pay for expedited service for a new bank card for {$2400.00} several times just to be able to get access to my money and I don't think this is fair. XXXX XXXX  would lock my account because of a {$1.00} charge from my account and yet let some company take {$64.00} and {$59.00} from my account without any questions and then would not help me get my money back and Direct Express service that handles Social security Administration payments never helped me get my money back from companies that I never signed up with from taking money from my account and I finally have to transfer my SSA benefits to another bank.
Product: Debt collection

In XXXX of 2012 I contacted XXXX to purchase internet service for my apartment. Since I was never able to actually connect the services, I contacted XXXX and cancelled my service. The account representative informed me that there would be no balance due. To date, I have received numerous collection notices for this XXXX account. I have disputed the validity of the debt with each collection agency and have never gotten a response from any. I still continue to receive negative marks on my credit as a result of this account.