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

Upon reviewing my credit report, I have identified the following items to be inaccurate. I disputed these items and I disagree strongly with the results. Please provide how this information was validated as required by 15 USC 1692g. Validation of Debt. 

XXXX XXXX XXXXVERIFIED AS REPORTED XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-DELETED XXXX XXXX XXXX-DELETED XXXX-VERIFIED AS REPORTED Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account has been removed from my account prior due to it being incorrect. It has reappeared
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage Company Ditech which held 2 mortgages for properties that I owned reported each and every payment LATE. The mortgages were auto debited from my bank account on the XXXX of every month for 16 years! This year I discovered all payments had been reported late, credit bureau investigated and repaired false info. DITECH STILL reported the last 2 payments as LATE. I have exemplary credit and this is preventing me from obtaining a loan that I need. I called Ditech in the beginning of the loan ( 2004 and was told that there was no issue thought the listed on my invoice that each last payment was late. It is very unfortunate that they would take advantage of the consumer like this. No late fees, no late payments were ever made. Loans are paid off but now last 2 payments still appear as chronically late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Debt collection

ALLIED COLLECTION SERVICES XXXX XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {XXXX does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

I was checking my credit reports, and I found the following inaccuracies : Account Holder Name : XXXX XXXX XXXX XX/XX/year> Last XXXX XXXX XXXX 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 16

81. 1. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} The above accounts have violated my rights under 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.

Under 15 U.S.C. 1681 section 602 A, it states that I have the right to privacy. These false accounts above, are in violation of this section.

Under 15 U.S.C. 1681 Section 604 A ( 2 ), it states that a consumer reporting agency can not furnish an account without my written consent.

Under 15 U.S.C. 1681e ( B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The accounts referred to above are in breach of several sections of U.S.C. 1681, as referenced above.

Please remove the accounts above from my credit reports, as they are grossly inaccurate and in violation of 15 U.S.C. 1681. If this accounts are not removed, I will be seeking damages relating to such.
Product: Debt collection

On XXXX I was contacted by an XXXX XXXX with XXXX XXXX XXXX. Indicating I owed a debt to Rushmore financial in the amount of {$45.00} I was told if I did not pay I would be charged with defrauding a financial institution. I spoke to a supervisor and was told I had until Friday XX/XX/2020 to pay and they would contact me on Friday. They then called me 3 times prior to XXXX XXXX today Thursday XX/XX/2020. They then contacted my wife and gave her a case number. When I returned their call today XX/XX/2020. I spoke to a XXXX XXXX. He refused to provide an address for this company XXXX XXXX XXXX and refused to send me documentation of the debt. then was extremely rude and told me he had never heard of anyone disputing {$45.00} and that I could just go to court. Extremely rude and I do not believe this is a legitimate company. The phone # I was called from was XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX  SERVICES Account # XXXX. In accordance with the Fair Credit Reporting Act Public law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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

Equifax shows an account on my credit file that does not belong to me by XXXX.This is not my account. Also, Equifax, XXXX, and XXXX didnt update my personal information on my credit report. I sent a letter beyond 30 days and the issue isnt resolved.
Product: Credit reporting or other personal consumer reports

I was honestly shocked to see unfamiliar accounts on my credit report tonight, and I cant understand how this happened. This is part of my usual routine, yet out of nowhere, there were errors that I wasnt prepared for. I attempted to refresh my browser, thinking maybe it was just a temporary error, but the false accounts stayed. Given this unsettling experience, Im asking that my documents be carefully examined so I wont have to face this kind of stress again.
Product: Credit card or prepaid card

I have been with Capital One approximately 10 years. I have never requested a credit limit increase. I requested a limit increase on XXXX/XXXX/20 and was told that my limit could not be increased due to " Average Monthly Payment too low ''. Capital One provided me with a statement that says I have to make more than my minimum payment 3 months in a row. My minimum payment is {$25.00} and I always pay over {$120.00} and have never been late even when I was laid off. When I contacted Customer Service they were not helpful they kept referring me to the website and then offered to assist me in closing my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a written request for debt validation to XXXX, XXXX, and Equifax pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), which grants me the right to dispute inaccurate information on my credit report and request an investigation. I specifically identified the disputed accounts and provided supporting documentation to demonstrate that the information being reported is inaccurate.

As of today, All 3 bureau ( s ) have failed to respond to my request or provide the required validation of the debt. Despite my lawful dispute, the bureaus continue to report the inaccurate information on my credit report, which is harming my creditworthiness and causing financial and emotional distress. 

The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. The bureaus failure to comply with my request and their continued reporting of inaccurate information violates my rights under the FCRA. 

I am requesting that the CFPB intervene to ensure that the credit bureaus comply with the law, conduct a proper investigation, and remove or correct the inaccurate information from my credit report. 

Thank you for your assistance in resolving this matter.
Product: Credit card or prepaid card

Two credit cards where opened and issued in my name without my knowledge. One issued by Capital One Bank, one issued by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt apply for any services with this company.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX 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 my file at Experian, XXXX, and XXXX are 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. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my credit file, incorrect informations was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Inaccurate Name : XXXX XXXX ; Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX Late Closed : XXXX XXXX Balance : {$0.00} ; Charge off : XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$420.00} ; Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1400.00} ; XXXX XXXXL ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; Inquiries Included In Dispute : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXnquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX )
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm.
Product: Checking or savings account

I do not own a Phone and Chase Bank wants to send me a Text Message to Verify my Identity I'm XXXX and do not use a Phone and I cant afford Phone XXXX XXXX XXXX all need a $ 5000 yearly international XXXX XXXX to Contact a Bank XXXX number There no Payphones
Product: Credit reporting or other personal consumer reports

I have notified XXXX XXXX XXXX  of fraudulent activity regarding a credit card opened back in XXXX of XXXX. They never closed the account and the thieves still used the card. I called again in XXXX due to increase on the credit report so they were still using the card. XXXX XXXX XXXX  assured me the account would be closed ( because they failed to due so ) and would notify the Experian Credit that this was a fraud account. Experian will not clear this and has drastically reduced my credit rating. I filed three disputes regarding this with no answers. I have done everything Experian and XXXX XXXX XXXX  requested and filed a report with the government identity Theft. I froze my accounts and enrolled in Experian membership and locked my credit. XXXX XXXX still allowed use of this fraudulent account. I am getting no resolve from Experian except to ruin my good credit history. I went from XXXX to XXXX due to this dispute, Please help me stop experian from ruining my credit.
Product: Credit card or prepaid card

On XX/XX/XXXX the day after the payment due date and the day after AMX withdrew the money from by bank account, I received an email stating that AMX has reduced the credit line on my AMX Blue Cash card by {$3100.00} even though I have never paid late or missed a payment, never exceeded my credit limit, and AMX has increased my credit limit several times ( credit limit increased {$2000.00} on XX/XX/XXXX, {$3000.00} XX/XX/XXXX, and {$1700.00} XX/XX/XXXX ). On XX/XX/XXXX I received a letter from AMX stating that my credit limit had been lowered. According to the letter part of the decision was based on my FICO score the AMX obtained without my knowledge or permission on XX/XX/XXXX. By reducing/lower my credit limit it will appear that I am using a higher percentage of my AMX credit line that I was when the purchases were made therefore reducing my FICO and credit score even lower than what it was prior reducing my credit worthiness and making harder and more difficult for me to obtain credit. I don't know what AMX 's objective is and or what AMX intends to accomplish by reducing my credit limit. There is no statement on the credit report that indicates that the credit line was $ XXXX and balance was $ XXXX  prior toXX/XX/XXXX and that on XX/XX/XXXXthe credit line was reduced by {$3100.00} for other creditors to see when pulling a credit report and considering any credit application. On XX/XX/XXXX, I contacted AMX by phone to discuss the decision to lower the credit line and spoke to a representative of foreign extraction, it seems that AMX out sources customer service call centers to foreign countries. The representative asked questions about my employment and income and if I rent or own my home and I told him that I own and that the house was paid for and there is no rent or mortgage payment owed and the house is free and clear. The representative stated that in order to restore the credit line I would have to pay 50 % of the balance owed by XX/XX/XXXX or submit financial documents such as bank and savings account statements, IRA or 401k, ect., for AMX to " review '' and make a decision within 45 days. In previous experience with companies most of the time when they offer to " review '' they usually still say no and make up some reason to justify upholding the original decision. It is highly unlikely that AMX would revers it decision so it would be a waste of time and effort to submit financial documents and that my 401k and IRA are less than 90 days old so there has been no time for them to grow interest and become established.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2025 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax Dispute Resolution Team, I am writing to formally Correct/Update inaccurate information reported on my credit report which I obtained through your services. The disputed information relates to the credit utilization of my XXXX XXXX Bank XXXX report inaccurately reflects a balance of {$17.00} and a utilization rate of 9 %. However, my account from XXXX XXXX Bank, clearly indicates a balance of {$0.00} with an available credit of {$200.00}. This discrepancy is evident in the attached documents, which include : 1. A screenshot of the inaccurate information from your credit report.

2. My account statement from XXXX XXXX Bank verifying the correct account balance. 



I request that you promptly investigate this matter and correct the inaccurate information on my credit file. Once the correction is made, I will gladly withdraw the complaints I have filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies regarding this issue. 

Please confirm in writing that the requested correction has been made or provide an explanation if further action is required. I kindly request your prompt attention to this matter, as it directly impacts my creditworthiness. 

Thank you for your cooperation. If you require any additional information or documentation to resolve this dispute, please do not hesitate to contact me. 

Sincerely
Product: Credit reporting or other personal consumer reports

I wanted reported accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed off my credit file due to Improper investigation
Product: Debt collection

I've been trying to fix my credit reporting since XXXX XXXX by sending legal documents to the credit bureau. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 


XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24-48 hours stating the account is accurate, without providing any evidence of a thorough investigation.They also let some accounts change the date of the account so the account can stay longer on my credit report. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( A ) - ( B ), ah highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.