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

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate.They never did a fair investigation according to the 15 USC 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to:15 U.S.C 1681 Section 602 A. States I have the right to privacy.

According to:15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions According to : 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

After carefully reviewing my credit report, I noticed entries that I never authorized. These errors are causing unnecessary harm to my credit score and do not reflect my financial activity. Its incredibly frustrating to find mistakes like this, especially when Ive worked hard to keep my finances in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  took my truck but closed the loan in my credit report I put {$15000.00} down for that pickup truck
Product: Credit reporting, credit repair services, or other personal consumer reports

I used Transunion to check my credit, since then they have billed me a charge of XXXX six different times without my consent. I never signed up for a service or purchased anything.
Product: Credit reporting or other personal consumer reports

Information is illegally reporting on my consumer report 15 USC 6801. Protection of non public information and the obligation to respect my privacy and confidentiality. And usc 1681b Permissable Purpose. Permission was not given to use this information. 1681a2 Exclusion, consumer reports exclude transaction history. Acts. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX . Inquiries where no credit was extended XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX. No credit extended and no permission given. And no proof from the reporting agency that permission was given after several requests for proof.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Unauthorized Collections Dear Experian Dispute Resolution Team, I am writing to demand the immediate removal of two unauthorized negative collections from my Experian credit report. I have no knowledge of these accounts and did not authorize them.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required to verify any accounts you list on a credit report through the physical verification of the original signed consumer contract. This requirement ensures that fraudulent accounts can not be included in credit reports. I demand that you provide verifiable proofspecifically, an original consumer contract with my signatureof the accounts listed below. If you can not provide this verifiable proof, you must remove these accounts immediately. 

The unauthorized collections in question are XXXX XXXX XXXX XXXX Creditor XXXX XXXX  Date Opened : XX/XX/2024 Balance : {$420.00} XXXX XXXX XXXX  Creditor : XXXX  Date Opened : XX/XX/2024 Balance : {$390.00} These accounts have adversely impacted my credit score and my ability to obtain credit. Under the FCRA, unverified accounts must be removed from my credit report. Failure to provide the required proof or remove these accounts will be a violation of federal law. 

Please address this matter urgently and confirm the removal of these entries or provide the necessary documentation within the statutory timeframe. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I deposited XXXX citizens bank checks into my account and I never received any of the funds from the checks for the XXXX and the XXXX citizens bank checks that I deposited
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint about the Equifax data breach. Through no actions of my own, I find my personal information compromised due to the negligence of Equifax 's cyber security which has placed myself and millions of other Americans at risk. 

This will be a lifetime of headaches with dealing with protecting my credit information. I wanted to submit a complaint in light of this stress and for whatever future loop holes I may end up going through due to this data breach.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 


XXXX  XXXX Account # : XXXX Inaccuracies : XXXX. Future Reporting Dates : o XXXX Last Reported : XX/XX/XXXX o XXXX Last Reported : XX/XX/XXXX o Reporting future dates violates the FCRA 's accuracy and timeliness rules. 
XXXX. Balance Inconsistency : o The account balance is reported as {$700.00}, but the Credit Limit is {$500.00}. 
o A balance can not exceed the credit limit without proper verification, indicating a reporting error. 
XXXX. Comments Conflict : o XXXX : " Dispute resolved ; reported by grantor. '' o Experian : " Unpaid balance reported as a loss by the credit grantor. '' o XXXX : " Accounts closed by credit grantor. '' o The comments are inconsistent across the bureaus, suggesting unreliable reporting. 
XXXX. Date Discrepancies : o Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX o These dates should align if the account activity is accurate. 
XXXX. Two-Year Payment History : o XXXX and XXXX show XXXX CO '' ( Charge Off ) for multiple months. 
o Experian indicates " OK '' status after some " CO '' entries, which conflicts with the derogatory status. 
XXXX. Account Type/Status : o Listed as Revolving Credit Card but simultaneously flagged as Collection/Chargeoff. 
o Accounts can not be both " revolving '' and charged off without further clarification. 


The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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

The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$2200.00} XXXX  XXXX XXXX Balance {$3200.00} XXXX  XXXX XXXX Balance {$3200.00} XXXX  XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$7000.00}
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XX/XX/year> regarding the charge off / written off account XXXX. Form 1099c was not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against EQUIFAX, XXXX and XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for OVER A YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Prepaid card

My previous complaint was XXXX and the details that I requested was willfully ignored. I asked for the information of transactions as proof of card usage before closing of account. Multiple complaints was filed requesting these details and Ive only received vague information along with details post closure of the account. Ive recently learned that this behavior is a violation of the fair credit reporting and I will be due compensation if I can show proof of willful disregard. Legally all information required needs to be provide of the reporting account will be considered fraud and removed by the credit bureaus and compliance to fair credit reporting guidelines. XXXX1st progress stated that the account was used for purchases and no payments were made. Please provide the proof of these purchases with the merchant details dates and times. When the account was initially closed, there was a XXXX balance due to the fact that there was zero transactions ever made with the account. Please refrain from giving me information about fees and other accumulative matters post closure. Provide only the transaction, history of merchants in which those transactions transpired.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went in a settlement arrangement with prosper on my loan. I had a fixed payment due every month on the XXXX. I have paid it religiously every month. This month not only have I had a report on my credit report for a late payment which is untrue but I ha e also called and email asking why that is and asking this to be fix. I went to pay on bill today and my account still shows a late payment, a fee for late fee and the original amount of the payment before the payment arrangement. I signed paperwork in XXXX for this arrangement and I expect prosper to live up to their arrangement with me. I have read all kind of complaint against this company that NO ONE is doing anything about. I expect help with this problem and not have it sweep under the rug! Also I spoke with XXXX a supervisor in XX/XX/2021XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is falsely reporting to the credit bureaus. during the pandemic I was unfortunately unable to work because not being deemed essential. I spoke to the company about future payments and they agreed to put my payment at the end of the loan. The next month the repossessed the vehicle was never late and according to my credit report you could see the inconsistency of them reporting. I have tried several times to get this resolution. I only get a voicemail for the department of XXXX  that handles these cases. I have sent numerous letters and tried to call several times. I understand that I was responsible for the car although the late payments is non sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor did I authorize any of these companies to pull my credit.
Product: Vehicle loan or lease

I purchased a car from XXXX  XXXX in XXXX, NC on Saturday XXXX XX/XX/2020. I bought a new 2020 XXXX XXXX which was part of their promotional deal " 2020 XXXX models are available with financing as low as 0 % APR for 72 months and 180 day deferment on first month 's payment*. For highly qualified customers who finance through Volkswagen  Credit. *Offer available for highly qualified customers on new, unused 2020 XXXX models financed by Volkswagen Credit through participating dealers only. Example : For 0 % APR, monthly payment for every {$1000.00} you finance for 72 months is {$13.00}. No down payment required. Other amounts may be due at signing. Not all customers will qualify for credit approval or advertised APR. Limited to two offers per household. May not be combined with certain other offers. Not available on lease offers.We will schedule your first payment exactly 180 days from the date of the contract. Dealer sets actual price. Excludes business customers. Offer ends XX/XX/2020. Offers not valid in XXXX XXXX. See your XXXX dealer for details or, for general product information, call XXXX. 2020 XXXX XXXX XXXX XXXX XXXX ''. Due to the CoronaVirus I opted to have the car delivered to my house. Upon reading the document I could verify that I was paying 0 % interest but could not see the 180 day deferment on the first month payment. 
Therefore, I texted the salesman and received writing confirmation that both condition was part of the deal and so I signed the contract. 

A few days later, I saw online that XXXX was expecting my first payment 45 days after the start of the contract. I contacted the dealership which told me there was nothing they could do as the contract was signed and closed. Also the finance manager said he was not aware I wanted the 180 day deferment and that it was a miscommunication. 

I have never received a copy of my contract with Flow XXXX and this contract is stated to have started on XX/XX/XXXX on the VWcredit website. However I signed it on the XXXX of XXXX. This was done in front of my house where I have a ring camera.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

As a consumer, I request to know all of the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.
Product: Credit card

I 've had contact with Capital One Bank regarding charges being charged to my account that I disputed for day one. Capital One contacted me and informed me that a request to XXXX XXXX disputing the charges were submitted but XXXX advised them that the charge was correct. I disputed the fact that the charge was being paid in bankruptcy not that I was not aware of the charge. Capital One is now saying they can not request the funds back to be credit to my account. This dispute has been going on for two year with no results or support for Capital One. My credit card had a credit limit of XXXX how could a charge for XXXX be approved and when dispute the fact that the charges are being paid in bankruptcy, Capital One refuse to handle the dispute even when they agreed on receiving proof that the charge from XXXX is being paid in Chapter XXXX Bankruptcy. Capital One continues to allow a charge that is over my credit limit remain on my account although they agreed they have proof that the charge is being paid in Bankruptcy. Capital One is reporting false information on my credit report and approving a charge over my credit limit that I dispute.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit profile and seen some inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXXXXXX XXXX XXXXXXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit card

Bloomingdale 's continues to charge $ XXXX/month as " minimum interest '' when I have no outstanding balance on my account. They even reduced my credit line for not paying this {$2.00} charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advise this is not a dispute for charge-off amount, this is a notice that you are furnishing inaccurate information to CRA 's XXXX You ONEMAIN XXXX are reporting a " charge-off '' on my consumer report with the CRA 's XXXX XXXX, XXXX, or XXXX ) which is in fact inaccurate information As Defined by The IRS Even if you didnt receive a form 1099-C, you must report canceled debit as gross income on your tax return. 
The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By Definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says You ONEMAIN are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information, I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately!

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/ account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account 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 reporting or other personal consumer reports

As of today XX/XX/XXXX XXXX XXXX XXXX loan any is XXXX Credit report states between XX/XX/XXXX to XX/XX/XXXX loan balance increased by XXXX from XXXX to XXXX. Ive had problems in the past, seems as though I get almost to a credit score of XXXX and Transunion shows suspicious activity on my credit report, incorrect information keeping my credit score low. Its been going on for several months. The credit reporting agency should be fair and not sabotage a persons credit report. I will be on the look out in the future and continue reporting erroneous information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding fraudulent items on my credit report. After reviewing my updated report, I noticed that some items have been removed, and I appreciate your action on those. However, some fraudulent items still remain on my report. I request that the three Credit Bureaus remove the following fraudulent items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX LL XX/XX/year> ; XXXX XXXX XXXX  XXXX XX/XX/year>.
Product: Credit card

Chase Bank enrolled me in their " MyChase '' plan without my consent on XX/XX/2023. Because of this, despite expecting monthly payments around {$70.00}, they have charged me {$110.00} for three months in a row now. I have spoken to Chase about this in 3 separate months, in XXXX, XXXX, and now XXXX. I was only informed about their " MyChase '' plan today, on XX/XX/XXXX. They have assured me every single time that my payments would go down, but now I've been told it won't be. I did not consent to their plan, nor did I ever sign up for it. They insist that I signed up for it on XX/XX/2023, but I did not do this. When confronted on the phone, a supervisor hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent accounts created, once I was aware the accounts were closed. I also stated that these were to be deleted or removed and they remain on my credit profile and they were not authorized at all by me. These accounts were all done in fraud I have sent letters emails and phone calls