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

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On my account through credit karma I have negative remarks due to late payments. I believe this incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been involved in so many breaches its become laughable. EVERY TIME there is a massive class action lawsuit. The settlement is the exact same thing, the only changes are the length of time i am supposed to receive the FREE credit monitoring. 


Reality - there really is no monitoring provided for free. This is nothing more than giving equifax an excuse to find their way in my email each and every day to try to SELL me MONITORING SERVICES. Which are available for the everyday low price of $ XXXX for a standard account or for the premium account {$34.00}. 

I am opposed to personally paying for the breaches to try to secure my confidential non public information, which was lost IN EVERY CASE by a company REQUIRED TO MAINTAIN MY INFORMATION IN A CONFIDENTIAL MANNER and failed to do so. 

Three companies- Equifax ; XXXX and XXXX XXXX run the largest financial scams that exist in America today. 

Banks and other companies PAY to sell their credit data to the three bureaus, who create files on consumers with as much attention as a kindergarten student staring at a XXXX. Im then responsible for correcting the errors so they can SELL that information to the same organizations who pay to have the information made available. 

Now, the standard resolution to class action suits is FREE CREDIT MONITORING that I HAVE TO PAY FOR? 

This fraud on the American Consumer has to stop. PLEASE HOLD SOMEONE RESPONSIBLE FOR THEIR MISHANDLING of information and make the credit monitoring become more than a revenue stream for these entities THAT NEED TO BE BROKEN UP!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIERES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.
Product: Credit card

I have called several times that they are reporting the wrong BALANCE and CREDIT LIMIT information to the Credit Bureau Reports.
Product: Debt collection

**THIS IS NOT A DUPLICATE COMPLAINT** On XX/XX/XXXX, I consumer XXXX XXXX , sent Receivable Performance Management a cease & desist letter to stop the infringement upon my intellectual property rights. This letter was sent via certified mail with tracking number XXXX. RPM received an alleged debt from XXXX and have been harassing me for payment. I did not consent to XXXX contacting a third party debt collector. I also do not have a contractual agreement with RPM. I previously asked for a debt validation letter on XX/XX/XXXX and they have failed to provide me with sufficient information to be able to validate this debt. RPM received a debt validation letter on XX/XX/XXXX so I could validate this alleged debt. RPM have failed to respond to my request for a debt validation on two separate occasions. This is willfully and negligently noncompliant with the federal law, 15 USC 1692g. RPM must zero the balance and close this account with their office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I specifically asked Experian to provide me the original documentation for the items I disputed on my credit report # XXXX and # XXXX, if they determined that any of the items were accurate, both dated XXXX. I informed Experian that section 609 of the Fair Credit Reporting Act states that the creditors must provide the credit bureaus the original documentation that was signed upon opening the account, or they are engaging in fraud. 

In this re-investigation, Experian informed me that the information I disputed was verified as accurate, but they failed to comply with section 609 of the FCRA, and therefore the items I disputed are now unverifiable, and must be deleted, but at this time, Experian is non-compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX Bankruptcy on XX/XX/2011. When I went to check my credit report recently there was something from XXXX XXXX XXXX   which was included in my bankruptcy and should not be on there anymore. I don't know why its still showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to TransUnion 5 months ago there is a name on my credit report that is not mine and has bee added by mistake. The name is " XXXX XXXX XXXX '' I am not aware of who this person. This name " XXXX XXXX XXXX '' is should not be associated with my credit report. 

I have reported numerous times to TransUnion and ask them to remove it. Each time TransUnion stated it would be removed, but every time I view my report, this name " XXXX XXXX XXXX '' still listed. 

I need your assistance to get this name off of my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX due to their failure to adequately address my identity theft claims and their use of delay tactics to avoid resolution. Despite providing substantial documentation, including multiple FTC Identity Theft Reports ( Report Number : XXXX ), XXXX has not taken the necessary steps to correct inaccuracies on my credit report. Instead, they dismiss my requests and treat me as if I am being deceitful. This behavior is unacceptable, and I will not be bullied by any credit reporting agency, including XXXX and Equifax, which have exhibited similar issues. 

Questioned Accounts : XXXX XXXX XXXX XXXX XXXX XXXX deleted this account. 



XXXXXXXX XXXX XXXX XXXX : Remains on XXXX despite deletion letter. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Status : Pre-bankruptcy account, likely contained fraudulent charges. They agreed to deletion ( as supported by letter ), but this has not been done. 



XXXX. XXXX ( XXXX accounts ) : Status : Pre-bankruptcy accounts, likely contained fraudulent charges. I need transaction histories to verify details or delete the charge-off. 



XXXX. XXXX : Status : Pre-bankruptcy account, likely contained fraudulent charges. I need transaction histories to verify details or delete the charge-off. 




Complaint Details : XXXX. XXXX XXXX XXXX : XXXX stated they can not block items from my credit report without validation from a law enforcement agency. The FTC Identity Theft Report I provided is legitimate validation of my identity theft claims. It is unreasonable to dismiss this document and require further validation. 


XXXX. Request for More Documentation : They requested specific personal information and additional documentation. I have supplied comprehensive documentation, including FTC reports and deletion letters. The repeated requests for personal information add stress and feel like a delay tactic rather than a legitimate security measure. 


XXXX. Accusations of Misrepresentation : XXXX implied that my request was made in error or based on misrepresentation. These accusations are unfounded and harmful. I assure you that my requests are legitimate and based on factual documentation. 


XXXX. Need for XXXX Histories : XXXX to full transaction histories is crucial for me to determine the legitimacy of the accounts. The numerous XXXX XXXX XXXX in my home during my illness make it impossible to sort through this complexity without their help. 


XXXX. Intentional XXXX Tactics : While I understand that processing these requests can be complex, the pattern of requesting documentation I have already provided seems like a deliberate tactic to delay resolution. This behavior is unacceptable, especially as I work to regain my health and stability. If XXXX can not substantiate their claims, I must insist that they delete any questionable information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

freedom debt relief promised me debt free in as little as 48 mos and i already completed paying them 48 mos, and still asking more time and payment and found out they charged me exessive fees and more fees total money i gave them not even half goes to my creditor i called them and the solution they did was to terminate my contract which i believe shoul have been completely done not terminated
Product: Bank account or service

A line of credit account was opened by BMO Harris without my permission. I did n't find out about the account until I received a notice that I owed {$25.00} for service charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly, I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. XXXX XXXX account # s XXXX, XXXX, XXXX, XXXX, XXXX. XXXX account # XXXX. XXXX XXXX account # XXXX XXXX XXXX account # XXXX & XXXX. 15 U.S.C. section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may take 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. 1681 s-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 the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Experian is reporting Personal information name and address reported wrong. 
XXXX. Experian has another name that's not my name XXXX XXXX not me
Product: Debt collection

I received this letter today not at my mailing address stating that Bank of America is putting negative information on my credit report and that I have to provide information of some sort. I have no idea what this is about. 

Nowhere on the letter does it say " this is an attempt to collect a debt '', it does not provide any information about the debt or statements suggesting that I am responsible for the amount of the current balance. 

I never wrote a letter, email, or had a conversation with Bank of America requesting that they send me this letter. If Bank of America thinks that I did, they should provide proof. 

I find this letter harassing and threatening that Bank of America is going to impact my credit score for no reason.
Product: Credit card or prepaid card

When I bought airline tickets on the XXXX XXXX website they offered me an XXXX XXXX AAdvantage Platinum  Select Citi Master Card with an offer of a {$200.00} credit and 40,000 miles after purchasing {$2000.00} in 3 months. The initial purchase date was XX/XX/2019 for {$260.00}. Citi Cards is not honoring the credit or the miles because I have the XXXX XXXX   XXXX card, which is apparently a Citi card as well. Citi says it was in the details, bot still approved me and left me expecting the credit and miles. 

This is a bait and switch and is unethical.
Product: Credit reporting or other personal consumer reports

Discover Bank and their credit card have violated my rights. They have been sending reports to XXXX every month on an account that has been closed for over five years and sending each month that I am late. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USSc 1681 Section 602 states that I have the right to privacy. 15 USC,1681, Section 604 ( a ), Section 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USc 166b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 


Please stop them from violating my right and take this report off my credit immediately.
Product: Checking or savings account

a debit card account was opened in my name under chase bank. 
I have contacted them i will be filling a police report as instructed by them on my behalf and provide chase bank with the information with the packet they are mailing me.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Mortgage

This is the Fifth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB  financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB   financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX open XX/XX/year> reported on all XXXX credit bureau XXXX  XXXX, Equifax, and XXXX without my knowledge or approval. I've sent letters and made calls to the company and disputes to all XXXX credit bureau 's about this account and they have not done the proper research to remove this account from my credit report. This is not my account and there is no way to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.
Product: Debt collection

I am writing to you regarding the fraudulent accounts that have appeared on my credit report. It has come to my attention that several unauthorized accounts have been opened in my name without my consent or knowledge. This is a blatant violation of my rights as a consumer and has caused significant distress and inconvenience. 
DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, XXXX 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

Equifax failed at their grave responsibility to protect my right to my privacy by allowing a corporation to utilize my credit report without MY written expressed consent AND without an initial investigation of the report knowing it would affect my credit worthiness and credit standing and in the long run HARM my reputation. XXXX XXXX is reporting an alleged debt on my credit report which has Medical information on it ; privacy concern. The falsified information regarding who the original creditor is wrong as well stating XXXX XXXX XXXX. Equifax, XXXX XXXX, or XXXX XXXX XXXX NEVER had MY WRITTEN and EXPRESSED consent to furnish anything on my report without my knowledge. There is an alleged debt that has also not been verified.
Product: Debt collection

A medical debt in the total of XXXX was attempted by another collection XXXX XXXX XXXX, I have brought this up to the credit bureau and have a letter from XXXX stating this was removed and would not return back on XX/XX/2017. This debt has already been removed from my credit and now has been somehow sold to another company Transworld systems. I do not want to go back through the process of taking this back to the credit bureau. Please remove as it should have been removed permanently. If need be I can provide the letter. 

Thank you
Product: Student loan

My student loans are from XXXX. I was mislead into believing that repayments would be affordable and correlate to my income.