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

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this fraudulent account on my credit reports and I've disputed it several times with the company and Equifax and XXXX and they are still stating this is mine without properly verifying with my signature. Please remove the following fraudulent account immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/2017 {$770.00}
Product: Credit card

Ive recently opened a credit card with milestone also known as Concora credit I had my card for 2 months no missed payments transactions made as normal as soon as I paid the full balance ( not the pass do ) my account was close none of my payments were behind and paid on time I find it suspicious that I open the card with credit karma and when they close it now Im seeing a new credit card with the same details as mile stone Im under the impression that they wanted me to pay the annual fee pay back there balance and closed my account just to convince me to open a new one with a different bank tied to them just to make me pay the same fee again and do the same thing
Product: Credit reporting, credit repair services, or other personal consumer reports

All THREE Credit Reporting Bureaus- Equifax , XXXX  and XXXX are FALSELY reporting an Unverifiable Bankruptcy that has been REMOVED from my XXXX XXXX XXXX by XXXX XXXX since XX/XX/XXXX. 

I have disputed the Bankruptcy Report several times with ALL 3 Bureaus to NO AVAIL.It is Fraudulent Reporting. 

I have submitted the Removal VERIFIED BY XXXX XXXX DATED XX/XX/XXXX TO all 3 Credit Reporting Bureaus. 
I have a copy of my XXXX XXXX XXXX XXXX  Dated XX/XX/XXXX. 

All Three Bureaus Refuse to remove the Bankruptcy stating it has been Verified by XXXX XXXX. 
NONE OF THE CREDIT BUREAUS HAS REQUESTED A RISK VIEW REPORT UPDATE IN MORE THAN 22 MONTHS AS REPORTED TO ME BY XXXX XXXX. 

I was denied an Automobile Loan in XX/XX/XXXX because of the bankruptcy. 

Further All 3 Bureaus indicate my 'oldest ' credit account is 4 years old ... I have credit cards that are 8-12 years old and perfect credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/21 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting erroneously on XXXX, XXXX   and Equifax credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( XXXX has this correct ) but XXXX was 60 days late, XXXX 90 days late and then closed XXXX XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XXXX XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXX XXXX should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX WY XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX Balance : {$420.00}
Product: Debt collection

I have received letters from 2 different companies stating that I owe them money. On both occassions I have sent disputes and requested information that supported that I owed them money to which I have never received. Instead from the last letter I sent I received a notice that I am being sued along with a letter. Again I am responding with a letter demanding proof. All the while this information even though it has been past the 30 days from the date of my second letter it is still showing on my credit report. They have been unable to provide me any information that I signed a contract with them, that I owe this debt, that I entered into any agreement with them, nothing. The letter they sent me along with the fact they were suing me was received on XXXX/XXXX/XXXX and they refused to date the letter however the lawsuit is dated XXXX/XXXX/XXXX with everything typed but the actual date ( 18 ) part, and that has white out on it. I find that interesting since that would be one day before 30 days is up. Highly unlikely. Please see all attached documentation.
Product: Credit reporting or other personal consumer reports

Ive been trying to notify these credit bureaus several times to take a look at these accounts and re-examine or investigate them because I dont think that it is fair and right for them to just furnish such information without my knowledge knowing that all of these accounts doesnt provide any complete accuracy at all. 

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

XXXX credit was discharged in chapter XXXX bankruptcy. Now they are reporting a balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX for allowing XXXX XXXX XXXX to report fraudulent and negative collection accounts on my credit report despite the fact that they know my account is under investigation for identity theft. As a victim of identity theft, I have taken all the necessary steps to report this crime and have already filed a complaint with identity.gov. However, XXXX has not taken the appropriate action to block any inaccurate information related to XXXX XXXX XXXX from appearing on my credit report, as required by federal law. Furthermore, I am concerned that XXXX is not conducting proper investigations before allowing companies to report information on my credit report. This is unacceptable and goes against the Fair Credit Reporting Act, which requires credit reporting agencies to ensure that all information on a consumer 's credit report is accurate and fair. I urge you to investigate this matter thoroughly and take appropriate action against XXXX for allowing fraudulent and negative information to be reported on my credit report. I also request that Transunion remove all inaccurate information related to XXXX XXXX XXXX from my credit report and provide me with a written response within 10 business days, confirming that the information has been removed.
Product: Debt collection

This number calls me repeatedly and says I owe a debt and they are taking legal action. I dont owe a debt and they leave nasty messages on my phone. They wont say who they are just say legal department
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in deferment and should not reflect a late payment on it.. This is a misunderstanding.. I am requesting that you please step up and take any appropriate regulatory action.. It is important that we put an end to these types of deceptive information
Product: Checking or savings account

On XX/XX/year>, my business enhanced checking account was closed with a balance. As of XX/XX/year>, I have yet to receive my account balance, in the form of a check, to either my physical address or my po box .

Per the website, if any checking account is closed with a balance, the balance will either be transferred to an external linked account, or mailed to the address on file. 

I have sent a certified letter asking them to send my money to either address on file, or I will file a complaint. My request has gone ignored.
Product: Mortgage

I was denied a modification based on Negative DisposableIncome. That 's based on my home being valued at XXXX. 
Dollars. I would like a principle reduction. I be leavebased on the true value of my home it will lower my debtand allow me a payment I can afford.
Product: Credit reporting

I disputed items with Trans Union on XXXX/XXXX/16 and they have not responded to an inquiries of mine since that time. I am aware that they have 30 days to respond to me per FCRA. They have not sent me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 1 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$2700.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX XXXX XXXX Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 38 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$2500.00} High Credit {$2800.00} Available Credit {$2500.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency
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 Simple # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX # XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX of LA XXXX XXXX XXXX XXXX # XXXX. I am disputing the LA XXXX XXXX XXXX, Experian XXXX Report Inaccurate, and Outdated Information, XX/XX/XXXX trade account XXXX XXXX XXXX, XXXX XXXX XXXX  {$19000.00}, and Account Balance {$16000.00} attached. Under the Fair Credit Reporting Act, and the XXXX Consumer Credit Protection Act, all the outdated, Inaccurate Information, XX/XX/XXXX Trade Account XXXX, XXXX XXXX, XXXX XXXX XXXX {$19000.00}, and {$16000.00} is requested for removal, and deletion.
Product: Credit reporting or other personal consumer reports

I discovered some inaccuracies on my credit report, particularly late payments that dont match my usual payment history. Please correct these and update my account. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry listed below has also been in dispute for unauthorization of pulling my credit reports. I have been disputing it for over three months. I have disputed with the credit bureaus along with the company that inquired. During this period, I have yet to get a response in the mail from the company who made the dispute. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorization. I have enclosed copies of documents of mail receipts and letters I have sent to this credit bureaus. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry Date XX/XX/17 The listed unverified inquiry hasnt been proven valid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. Please delete the inquiry from my credit reports immediately. I am tired of fighting this dispute on my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion to remove all non account holding inquiries by sending in a letter with dispute information. Transunion did not remove the non account holding inquiries from my report. I have attached the highlighted inquiries that I want removed.
Product: Debt collection

PayPal Calks numerous times a day every day, even after stating amount due will be paid in full, before end of month. Never leaves messages either.
Product: Credit reporting or other personal consumer reports

Hard Inquiries to removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Debt or credit management

On XX/XX/XXXX XXXX Applied for a XXXX XXXX ( XXXX XXXX  XXXX credit card. It is Advertised on XXXX XXXX.The card states there will be no impact to your credit score. No hard inquiry will be on your credit report if not approved. Also they are advertising the same ( selling points ) all over Internet sites, and the provider website at ConcoraCredit. Com. I contacted them when I saw my report with the hard pull. They told me they couldn't do anything that I applied w cXXXX XXXX to contact themXXXX XXXX Is not the one who ran my credit when I applied. XXXX XXXX on report. They are misleading consumers with false advertising. Impacting my credit score. Where do I go from here? They have horrible reviews for misleading consumers. The inquiry affected points being removed. I only applied because of that guarantee.
Product: Credit card or prepaid card

Signed up for the Chase Freedom cash-back credit card as they offer 5 % cash back on travel bookings. Booked 4 significantly expensive flights at {$2200.00} and {$650.00} only to find out that I didnt receive the 5 % rate since, I did not book through Chases travel portal website and instead got 1 %. No where was this stated so I missed out on the larger percentage. This is incredibly misleading and frustrating! Since the whole reason I went through the process of getting this card including dinging my credit score for an inquiry, was for this very travel purchase. When I called Chase, they told me nothing could be done and in the future to use the portal to get the 5 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show that inaccurate information is listed on my credit report. I dispute account and have not received and disputes results. This creditor XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) is showing on my credit report as a charge off and open dates and showing an open balance on a charged off account. Per FCRA and/or FDCPA law no credit report is to list an open balance it must show a balance of {$0.00}. below is creditor information. 

creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Active balance showing on a charge of account : {$130.00}
Product: Debt collection

Please be advised that at this time XXXX and XXXX XXXX have retained a third party debt mitigation company to help us and see if a bankruptcy filing can be avoided. Accordingly, we hereby submit a cease and desist from all creditors, and suggest that all correspondence and/or debt settlements be submitted by email to the following email address : XXXX. 
We will negotiate each creditor on a one on one basis, and hope that all creditors either submit negotiated settlements directly, or through their third party debt collection agency or debt buyer. 
We submit the matter through the Consumer Financial Protection Bureau as a paper trail showing our due diligence in working ourselves out of debts without bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

My father, XXXX XXXX passed away a year ago in XXXX XXXX. My sister XXXX XXXX was his care taker and had guardianship over my fathers affairs both financial and medical. Banco Popular, where my father maintained his account has refused to release the remaining funds to my sister. What are our options? My sister is single and makes minimum wage and could use the funds to help to support herself and her children. Who can we contact? Please help!