23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

A derogatory mark from XX/XX/XXXX ( original creditor XXXX ) was removed from my account, then months later on XX/XX/XXXX I discovered said negative credit item from XXXX. XXXX XXXX with the account number XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As well as the account has a open date listed as XX/XX/XXXX on XXXX but an open date of XX/XX/XXXX on TransUnion which is re-aging of the original account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to discover card, XXXX, XXXX and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the discover credit card off of my credit report permanently, which never happened. It keeps getting reinserted by discover credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent Discover credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of discover doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts and inquires. I did not owe this debt and it does not belong to me. I never established these. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please also remove these inquires and send me an updated copy of my report after the investigation.
Product: Debt collection

I get repeated phone calls from a company called PORTFOLIO RECOV ASSOC. They call repeatedly and have managed to contact and harass my girlfriends phone number. I don't know who they are and I have no debt with them. They have yet to provide any proof and again I do not have any type of debt with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not provide information on letter C ( Step 3 ) in the previous 1692gb letter that I sent them. They have not given me the a copy of your legal authority to collect the alleged debt on behalf of the original creditor. You are attempting to collect an alleged debt that I do not owe in clear violation of the FDCPA. I am attaching another document to this complaint.
Product: Credit card or prepaid card

My credit card company, Capital One, has unilaterally decided to lower my credit limit because " during a regular account review, we noticed you've only been using a portion of your credit line. To better fit your card usage, we've reduced your credit limit to {$5000.00}. '' I have never missed a payment or done anything negative with this account. When the credit card company lowers your credit, they also lower your credit score. It is not fair that they offered me a higher credit limit and because I did not use their card as much as they would have liked, they are lowering the limit. They are not taking into account the higher cost of other credit that this will cost me because they have essentially lowered my credit score. I want them to restore my credit limit.
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 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. 1961 Section 602A States I have the right to privacy. 15 U.S.C. 1961 Section 604A Section 2 : It 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 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

1. XXXX XXXX  XXXX  opened XXXX XXXX. XXXX  without my permission. I realized this fraud opened an account in XX/XX/XXXXXXXX  with a notice from three credit bureaus about delinquent status. 

2. I also got the mail from the XXXX that there was a data breach and my information belonged to this data breach accident. 

XXXX. I sent all of the evidence to three credit bureaus and a XXXX XXXX  company. 
The other fraud activity accounts were successfully deleted from my credit files. 
But XXXX still remains on my credit files. 
The three credit bureaus noticed today that the XXXX XXXX  was not accepted delete this fraud account with charge-off status. 

4. I got a Data  breach notice on XX/XX/XXXX, but I did not live in XXXX  in XXXX. I lived in XXXX, XXXX. I moved to XXXX  in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX the consumer have sent multiple dispute letter to Equifax stating the removal of all accounts attached to my credit file. Apparently the do no follow the Fair Credit Reporting Act because information put on my report that I never gave written consent for. At this stage in my life I am starting a family and they have me XXXX up, I would like to purchase a house but because of my credit report it is causing me great stress just to get help purchasing it. I recently sent the another notice as of XX/XX/21 via certified mail, including a bill of particulars in the amount of 48,000 $ for multiple violations that have occurred. The blatant disrespect to me as the consumer has given me no other choice but to file this complaint. They are not following the upholding Fair Credit Reporting Act at all. It is not fair to me and my family, this is the last step I take before going to court.
Product: Student loan

I applied for a student loan through Discover- Student Loans XX/XX/2015. I had to ask my father to co-sign with me. Discover approved me for {$8500.00} to cover classes and books for my 11 month XXXX at University XXXX XXXX XXXX. LOAN # XXXX was approved at 7.115 % - my dad and I accepted this offer - variable rate. Discover 's loan center sent my certification docs to the wrong department which caused a delay in timely communication between my school and Discover. I actually started classes and was told by XXXX that Discover was faxing to the wrong place. I had to call Discover myself and let them know what they were doing. I was told they had a wrong number in their system. A few more weeks go by and I am told by the university they have still not received any funds or certification. I had to call Discover again - only to find out that they were still faxing to the wrong dept. They were sending my certification to the XXXX XXXX XXXX XXXX dept. at XXXX instead of the Law dept!!??? Additionally, I was told that they had to pull my credit again and increase my rate. This is due to them pulling my credit when I first applied and now they are pulling it again - this caused my score to drop. I asked them why they would pull my credit without my permission and raise my rate due to errors they have made? To make matters worse they continued to send my documentation to the wrong departments for the next several weeks. At one point weeks and weeks into this, they re-characterized my loan from an XXXX loan to a XXXX loan!! AGAIN - pulling my credit and increasing my rate!!! ALL TOLD, Discover dropped the ball countless times, making mistake after mistake and kept pulling my credit and writing more expensive offers every time!!! When I called to file a complaint about all of their errors and how they need to honor they first offer, and remove the hits to my credit report - they told me it was against the law for them to fix this!!! WHAT??? In the end, I have received XXXX different offers over the course of 8-10 weeks that increased rates with each forthcoming offer. Please help me correct this - I think what they have done to my credit report and the audacity to keep sending me higher rate loan offers is exactly why your agency was created. To keep consumers from getting railroaded by companies who 's service is terrible and who refuse to take the steps to correct their big mistakes!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXX, XXXX, TX XXXX, Subject : Dispute of Inaccurate Information on My Credit Report I am writing to dispute inaccurate information that is being reported on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically Title 15 U.S.C. 1681-1681x. Upon reviewing my credit file, I have identified discrepancies that do not reflect my true financial history. I request a thorough investigation into this matter and the prompt correction of any errors present on my credit report, as required by federal law.

Details of the Inaccurate Information : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX ] Inaccuracy : [ Describe the specific inaccuracy, such as incorrect balance, late payment, account not belonging to you, etc. ] I want to emphasize that the inaccurate information reported on my credit report is in direct violation of the FCRA, which mandates that consumer reporting agencies maintain accurate and complete credit reports. According to Title 15 U.S.C. 1681s-2, credit reporting agencies are required to investigate disputed information and correct any inaccuracies promptly.

In accordance with federal law, I kindly request the following actions : Conduct a comprehensive investigation into the accuracy of the disputed information.

Verify the legitimacy of the reported information and provide documented proof of its accuracy.

If the information is found to be inaccurate, promptly correct the information on my credit report as mandated by the FCRA.

I expect this matter to be handled with the utmost urgency and compliance with federal law.

Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the inaccuracies on my credit report. You may reach me at [ XXXX XXXX XXXX ] or via email at [ XXXX XXXX XXXX ] if you require any further information or documentation regarding this matter.

Thank you for your prompt attention to this dispute, and I anticipate a swift resolution in compliance with federal law.

Sincerely, [ XXXX XXXX ] [ XXXX XXXX  if sending via mail ] Enclosures : [ List any documents or supporting evidence you may have related to the inaccurate information, if applicable ]
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have not received a stimulus. Payment at the moment
Product: Credit reporting

Equifax received court documents that a judgement they reported on my credit was not mine yet, they have not removed it. They did verify that they received this information from a 3rd party not the court and it would be removed. This was over 60 days ago. They are reporting a collection from XXXX. They DID NOT VALIDATE the debt!!! but sent a little 2 digit code to verify and received a 2 digit code back. This collection belongs to a business not me and that was verified by the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XXXXance : {$3200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have received a 1099-C form from XXXX XXXX , which I have filed on my taxes, making the balance currently being reported incorrect. The debt has been forgiven, meaning XXXX XXXX  has canceled the remaining balance and no longer expects repayment. 

Please review the 1099-C documentation and remove this account from my credit report due to the inaccurate balance. 

{$4900.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

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 a or my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian posted inaccurate accounts on my credit report. 3 collections that were not correct. I provided Experian with bank statements showing payment on collections including the payoff of the account BEFORE it went into collections. They updated my file and then the next month reverted back to incorrect information. I have contacted the account and they said they turned it to collections and no longer have access to it. I do not understand why Experian is allowed to post inaccurate information with NO recourse. A consumer has no recourse but to just complain. Why is Experian not liable for false information. They should be required to vet all information prior to posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the companies and they havent contacted me about it
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the listed company has an unapproved inquiry on my credit report. Below is the name of the company and the date on which I acquired the inquiry. 
XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  I have been trying for 2 years to get mine and my sons credit report corrected. They have report a charge off but the account was paid on full by the insurance company. I have requested several time even from the credit reporting agency to correct this and they haven't. This has destroyed both mine and my sons credit and is coating me hundreds of dollars every month.
Product: Debt collection

I am aware that my SSN belongs to the ( XXXX XXXX Social Security XXXX and anything purchased with that identifying number Is an obligation of the United States In accordance with 18 U.S.C 8 and being that you Eastern Account System of Connecticut INC is attempting to collect a debt from I, the consumer makes you guilty and In violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.

Eastern Account System of Connecticut INC is In violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me Into making payments on alleged debt not owed. 
I DID NOT AND DO NOT CONSENT to you Eastern Account System of Connecticut INC furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This ls also a NOTICE exercising my rights to prevent the processing of my personal data by Eastern Account System of Connecticut INC for the account you alleged that i owe. 

Delete the account from my credit report immediately, you have XXXXdays period.
Product: Money transfer, virtual currency, or money service

I sent money to XXXX XXXX and XXXX XXXX who I met on XXXX through wire transfers through wells fargo it spanned from XXXX to XXXX it was over XXXX dollars it was 12 different times the money was deposited into a wells fargo account and nothing was red flagged it to all of my savings and I have 3 different loans now for five years I need help. The bank has the information but won't help.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from one of the credit agencies. XXXX, Equifax or XXXX. Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. 
XXXX : 30 days late XX/XX/2022 & XXXX XXXX  60 days late. XXXX : 30 days late XX/XX/2022 and XXXX XXXX 60 days late. Equifax : XXXX XXXX 30 days late and XXXX 60 days late.
Product: Credit reporting or other personal consumer reports

Transunion is reporting an incorrect balance on a personal loan. The amount reported is {$130.00}. The loan was paid in full. There is a zero balance.
Product: Money transfer, virtual currency, or money service

Cash App sent money i received from a person back to them without my permission or acknowledge.
Product: Credit card or prepaid card

My weekly Unemployment benefit was direct deposited into my account. I receive two separate deposits. The first one was accepted. Then my account was permanently closed. The second deposit didn't make it into the account. THANKFULLY. I reached out to bluebird by American Express and I was told that the deposit doesn't have my name on it. Therefore its a fraudulent deposit. So now my money is gone. They won't give it back for 10 weeks is what I was told. This happened to many more people with Unemployment and bluebird. I found many others on XXXX looking for answers.