23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This is a formal complaint about a 30 to 59 -day late payment appearing on my credit report. I am aware that being 30 to 59 days late is significantly worse than being 60 days late, and I was careful not to let that happen. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit score.  For the month of XXXX I Have Paid As Agreed In Full.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXXXXXX XXXXXXXX has agreed to remove/delete this from my records. Please see this is removed/deleted.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to Bank of America that has been ignored.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts:XXXX : Account Number XXXX
Product: Credit card or prepaid card

I received a call from Capitol One Credit Card Company at XXXX on XXXX XX/XX/2023 at XXXX XXXX  telling me there was an application submitted online for me. I did not make this inquiry nor did I fill out an application for a Capitol One credit card on the date specified. I notified the company this was a case of fraud and they annotated the application as such. I then called all three credit reporting agencies and had a credit freeze placed on my account. I continued my efforts by calling XXXX to dispute the hard hit on my credit report and was told to submit this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my investigation back and you stated you completed a fair investigation. You also said these accounts are 100 % accurate. 



But can you please answer this XXXX question? How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigative my consumer report : Did you interview my neighbors? 



Did you interview my friends? 



Who did you talk to? 



XXXX more thing can you please tell me how everything is 100 % present and accurate if the account number, Date opened, payment status, creditor type, and date last active on these accounts are not reporting the same information? 



You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my report I listed : Account name - XXXX XXXX Account number - XXXX Account name - XXXX Account number - XXXX Account number - XXXX Delete these accounts immediately or you will be held responsible for XXXX per violation. Send me an updated credit report with the accounts permanently deleted
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. 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 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXXXX/XX/XXXX XXXXXXXX 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

I have complained about these XXXX fraudulent inquiries for many days and they have not been removed by Experian. 

XXXX. XXXX XXXX XXXX XXXX I have provided identify theft reports and police reports multiple times and now I am submitting a new identity theft report so that you UNDERSTAND what I am complaining about! 

Please remove these XXXX fraudulent inquiries from my credit file that you are reporting? Thank you for your assistance.
Product: Debt collection

in accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

In XXXX of XXXX after being contacted multiple time by American Express with offers and calls to switch my XXXX branded American Express card opened in XXXX XXXX to a XXXX card because of the upcoming end in XXXX and American Express ' agreement. Eventually, I called American Express sometime around late XXXX or early XXXX XXXX to do this change and ask some questions about account history. A friendly representative informed me that upon switching to the XXXX XXXX XXXX XXXX my account history would be retained and the card would n't affect my average age of account because it would back-date to XXXX XXXX to match my XXXX card. For the past year I thought everything was fine as my new XXXX XXXX XXXX read " XXXX since XXXX ''. However, I recently requested my credit reports from XXXX and XXXX and realized that the American Express XXXX XXXX XXXX card had reported as opening in XXXX XXXX. Realizing that American Express had made in error in my credit reporting according to the promises made by the representative, I contacted them on XXXX XXXX, XXXX to find a solution. After speaking with XXXX customer service and the credit bureau department at American Express, I was allowed to open a dispute about the error so they could investigate if I was given incorrect information so that the proper date could be reported to the bureaus. This dispute was opened with XXXX in the XXXX XXXX XXXX office ( extension # XXXX ). On XXXX XXXX, XXXX, I spoke with XXXX ( ext. # XXXX ) who said the dispute was still being worked on and that he would make note that I was hoping for an update. On XXXX XXXX, XXXX I spoke with a supervisor named XXXX who informed me that while I had been given incorrect information upon opening the card they were unwilling to fix the error. I called again on XXXX XXXX, XXXX and spoke with another supervisor XXXX ( ext. XXXX ) who after acknowledging again that the case I opened on the XXXX of XXXX had found that I was given incorrect information about the backdating of my XXXX XXXX card, was unwilling to fix the error. XXXX even asked that if I had been given proper information if I would have still opened the card in XXXX of XXXX. I promptly answered no but again he was unwilling to correct the error. I feel as if American Express performed a " Bait and Switch '' by promising me something in order to push me to open an account with them, only to renege on their promises and refuse to correct their errors.
Product: Credit reporting or other personal consumer reports

XX/XX/year> To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
Account : XXXX Account # : XXXX Account : XXXX XXXX  Account # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion just reinserted on my credit report an account that was previously deleted. The account is XXXX XXXX XXXX XXXX in the amount of {$860.00} this is wrong this was corrected and removed now its reporting again. My score dropped significantly since they did this. I am also uploading supporting documents from XXXX that 2 other accounts I have been disputing we 're finally deleted after the investigation but transunion is still reporting this wrong information and it 's ruining my credit. If they were doing a proper investigation then they would have received the same response as XXXX did. Also they should have never reinserted this account with XXXX for XXXX when it was removed.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, is reaching out because I pulled my credit report and you guys are reporting inaccurate personal information on my behalf. I XXXX XXXX have incorrect name on my credit report I have inquiries on my credit reports that I have not authorized and late payments
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the XXXX credit bureaus ( XXXX, XXXX, XXXX ) as well as to Sofi Lending and XXXX XXXX XXXX XXXX disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and PROFESSIONAL DEBT MEDIATION are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 15 USC 1692g as well as 15 USC 1692j, I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with PROFESSIONAL DEBT MEDIATION, they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between us. They have not provided any judgements made or any original notes .This is directly impacting my life as I have been denied for credit because of them.
Product: Debt collection

On XX/XX/XXXX I went to the XXXX XXXX and I paid {$75.00} bill for copay with my credit card. On XX/XX/XXXX I got a refund from the urgent care for the same transaction I paid on XXXX. However, on XX/XX/XXXX I got a bill from the XXXX XXXX for the same amount. I disregard the bill because I already paid for that. I recently got a phone call from collections, I explained them I already paid the bill and the even issued a refund, I sent proof documents from my bank and I called again on XX/XX/XXXX and the lady of the phone told me the merchant had an error on their system and that's why I got a refund. However, the amount still owe. I'm not agree with them sending me to collections if I paid the bill when I had to... It's a violation from the company to sent me to collections because they had an error of their system.
Product: Debt collection

A fraudulent account was opened under my name with XXXX XXXX on XX/XX/2022 at this address : XXXX XXXX XXXX XXXX, OH XXXX I called XXXX XXXX directly to try and resolve the issue, but they were not able to immediately help me. During the call, I was able to determine that the other authorized user on the account is XXXX XXXX. I do not know who this person is. I live in Southern California and have never stepped foot in Ohio. Somebody stole my personal information and opened an account with XXXX. 

The thief did not pay the bill, and now XXXX has sent the balance, {$220.00}, over to a collections agency : Sequium Asset Solutions XXXX This has now negatively impacted my credit score with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/ i have notice fraud accounts and inquiries on my credit report account name : XXXX XXXX account # XXXX account type : credit card date XXXX credit limit : XXXX high credit limit : XXXX $ last date XXXX incomplete account number this is grounds for removal of fraud account " fair cares act ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Card has made several hard inquiry pulls from my XXXX, and XXXX XXXX credit Reports without my authorization and without permissible purpose.
Product: Vehicle loan or lease

In XX/XX/2017 I purchased a XXXX XXXX motorcycle from XXXX XXXX on XXXX XXXX in XXXX XXXX Nevada. I traded in my old bike for an amount of {$3700.00} which was applied to my new loan and a 72 month term with a monthly payment of {$290.00} which I've agreed. I asked for a copy of the contract but was told it would have been mailed to me after the first payment. The contract never came. Last month I requested a payoff amount where Ive learned from XXXX XXXX XXXX XXXX that my loan is over half a decade from being paid off. Someone from they dealership added or changed the length of loan term from 6 years to 10 years and the bank has the motorcycle listed as an RV in their system. Ive tried filing complaints with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX but I am unsuccessful in getting any type of actions or results. I never seen the actual contract at the dealership but liabilities and my trade Ive signed. After 4 years I was emailed a copy of the contract with a signature agreeing to a 10 year contract which I promise I didn't sign and was never aware of until recently. I am asking for help in this deceptive trade practice from XXXX XXXX sales associates and have them cover the balance for the additional 4 years of payments they have secretly attached to my loan. This is the second time in 2 years Ive had a dealership associate alter documents to sell a car which I have recently just gotten off my credit after a lengthy investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account from XXXX / XXXX XXXX  XXXX XXXX has been been previously found to be fraudulent and they refuse to remove it and / or conduct proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please REMOVE any and all fraud alerts and freezes on my credit file.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX  Balance : {$9500.00} XXXX XXXX XXXX  Balance : {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 contacted Experian about an incorrect address on my credit report. They informed me they wouldn't remove it since one of my creditors ( XXXX ) was reporting it. Started a dispute w/Experian about the address ( XXXX XXXX, XXXX ) XXXX Was told it could take up to 30 days. 

Reached out to XXXX. The Representative ( ID XXXX XXXX ) refused to change anything, and falsely stated he could not see any information since sent to collections. Also repeatedly stated that was the only address XXXX EVER had and there was nothing he could do. I asked how/where they had gotten that address. Rep refused to give me an answer, or offer any proof to validate why this is on my credit report. He had none. Asked for supervisor. Spoke w/her she said she WOULD update my account to the correct address ( tix # XXXX XXXX, 3-5 days ). 

Finally got the dispute back from Experian, with the same address on there! They did edit it to say FL XXXX as well. Experian also claims they have no proof of this address either. How can this be reported, disputed, and still shows up on my credit report w/ZERO documentation given to the consumer as proof? After fleeing my home XXXX XXXX XXXX, now unable to find a new place to live for me and my son because of this address on my credit report. All w/out the XXXX and/or Experian showing any documentation to me at all. If there is verification I have the right to see it or know about it. I do believe this violates my credit bill of rights : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. '' This still hasn't been done, or any documentation shown.