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

I have found numerous errors reporting on my credit profile, at least 4 which I have listed below. I am receiving letters back stating the accounts have been verified as accurate and still have these same errors reporting. 

XXXX XXXX : Account number : XXXX This account was charged off as of XX/XX/2017. Since then, this account has repeatedly been updated as charged off every month. This is an update in payment history which to my understand charged off accounts should NOT an active payment history. Need I remind you ; this also violates the statute of limitations. 

The High Balance on this account is also inaccurate across all three bureaus, ranging from {$16000.00} to {$18000.00}. 

The Term length is also listed inaccurately amongst all three bureaus, ranging from a 1 month to a 72 month time frames.

The Date of Last Activity is also reporting inaccurately amongst the three bureaus, ranging from XX/XX/2017 to XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several concerns regarding the inaccuracies of the information that you have been reporting. I have recently obtained my credit report from your agency and have discovered numerous mistakes and errors that require immediate attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The 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 is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Product: Debt collection

I got a call from LJ ROSS ASSOCIATES IN collections a few months back and payed the bill over the phone it was a consumers bill I never received after moving it was a prorated bill a few days left of my monthly bill. The bill went to collections for almost two year without my knowledge and damaged my credit.The bill was only around {$40.00} I payed it right way after learning about it. I would like you to make a note and repair my credit. The bill was with consumers energy XXXX My name was XXXX XXXX I am now XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting 2 late payments on my accounts when I dont have late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX XXXX I have called the creditor ; SYNCB/WALM  at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time, with the exception of a 30 day late payment in XXXX of XXXX. 
2. The age of the account 3. The account is closed 4. Shows account status as " Paid '' After XX/XX/XXXX there is NA payment history, the account is closed. Please remove from credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ID XXXX XXXX - TRANSUNION FILE # XXXX - XXXX - Unknown MULTIPLE FAILED ATTEMPTS TO HAVE NEGATIVE INFORMATION AND OLD ADDRESS REMOVED FROM CREDIT AGENCIES Including multiple disputes and letters. 

XXXX XXXX XXXX XXXX Acct : XXXX XXXX - Sold to XXXX XXXX XXXX  - Acct : XXXXXXXX XXXX XXXX XXXX Acct : 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  To whom it may concern : In reference to 15 U.S. Code 1681 Law, Accurate and Fair Credit Reporting I am asking for removal of ALL NEGATIVE ACCOUNTS, LATE PAYMENTS AND OLD ADDRESSES. I HAVE MADE NUMEROUS ATTEMPTS REQUESTING THIS TO BE DONE BY ALL AGENCIES ( XXXX, XXXX, & TRANSUNION ) AND THEY HAVE NOT COMPLIED WITH MY REQUESTS. 

These negative accounts reported on my credit reports have been a hindrance on my life. I have made multiple attempts to have them removed from XXXX, TransUnion and XXXX. and I would appreciate if you would enforce any action needed to the 3 major credit reporting agencies to have these accounts removed. This is a defamation of my character and has resulted in a failed attempt to become a first time home buyer. 

I HAVE ATTACHED MY ACCOUNT NUMBERS FOR EACH AGENCY for reference. Also attached is a copy of my drivers license and a current bill to prove my identity. 
Thank you for your help, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX CRA is reporting an inquiry submitted by SYNC/PayPal for dates XX/XX/XXXX and XX/XX/XXXX. I did not authorize or give permission for SYNC/PayPal to pull my credit for those dates. Therefore, I am requesting that Sync/PayPal to update their system reflecting this information and send to XXXX XXXX to have these inquiries removed immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the Fair Credit Reporting act. The List or accounts below was in 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 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 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 then 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 thst the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 50 days to receive no response because clearly you all are ignoring me.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating XXXX5 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCOUNT # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) ACCOUNT # XXXX XXXX ACCOUNT # XXXX, XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Experian : To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 10 PREVIOUS LETTERS to you, all by certified mail requesting that you REMOVE INACCURATE INFORMATION from my file and you have failed to do so. 
Accordingly, I can show a judge that these accounts are ERRONEOUS AND COMPLETELY INACCURATE and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons WERE NOT FRIVOLOUS in any way.

These items are reported inaccurately : 1. Misleading false reporting. This account is negligently and inaccurately reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. Code 1666b - Timing of Payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
If this final request does not prompt you to conduct a PROPER INVESTIGATION of these accounts in question, and SEND PROOF to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I AM WELL AWARE OF MY RIGHTS UNDER THE FCRA ( FAIR CREDIT REPORTING ACT ) and I intend to pursue them to the maximum. As you are well aware, federal law requires you to respond within 30 days through U.S. Mail.
Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX & CFPB.

I await your response. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had a credit card with Chase Bank for 1.5 years. I made a payment with the Chase App and missed 1 digit of checking account and within 30 days, without notice they cancelled my Chase charge card.

I later find out the error, and called Chase bank. The customer service representative checked my account status and payment history and were surprised that they cancelled my card without notice, or even at all. I usually made {$750.00} to {$1500.00} payments each month!

I needed this card for my employment which required me to make purchases for which I was later reimbursed.

The Chase customer service representative promised me on the phone that if I would make {$270.00} payments for 2 months, she would issue me a new card and not report the card to the Credit Bureaus.

I paid as promised keeping my part of our agreement, but did not receive a new card.

Chase also has sent this balance out for collections and??? charged off the account???

I have made numerous calls and visits in person to Chase Bank to clear this up, to no avail.

Chase did not keep their verbal agreement with me on any points : 1. Did not send me a new card, as agreed, ( the phone conversation was recorded by Chase ), 2. Chase charged off the account, 3. Chase also sent the balance out to collections, 4. Also, Chase reported the card to all 3 Credit Bureaus, 5. And greatly damaged my Credit Score, from XXXX  down to XXXX!!!

6. Since 2008 I have worked diligently to improve my credit score, and then this happens.

Solution : I want my card re-activated, so I can pay my balance directly to Chase, have a new card issued, and have Chase remove the negative reports to the 3 Credit Bureaus.
Product: Debt collection

I am writing to formally dispute and address the ongoing issue of an erroneous debt appearing on my consumer report, which I believe is a result of identity theft. Despite my efforts to resolve this matter, the debt remains on my report, and this has caused significant stress and harm to my livelihood and reputation.

I have followed the proper procedures to dispute this debt and provided the credit reporting agencies ( CRAs ) with comprehensive documentation, including : -An FTC Identity Theft Report.

-A signed 605B letter explaining my situation. 
-A copy of my government-issued ID. 
-A recent utility bill to verify my address. 
-A copy of my Social Security card. 

I sent these documents via certified mail in two separate submissions to ensure their receipt. Despite this, the CRAs have not removed the erroneous debt from my report. Furthermore, they previously responded to my dispute by stating that the debt was " verified, '' yet I do not understand how they could have verified an account that is not mine. I was never a co-applicant on this account and have not authorized anyone to use my personal information in this capacity. 


As a result of this unresolved error, I have faced : Denial of housing opportunities, including being rejected for an apartment application. 
Significant stress and harm to my quality of life. 
Damage to my reputation due to the presence of this inaccurate information. 
This situation has become untenable, and I am requesting immediate action to remove this erroneous debt from my consumer report. I have provided all required documentation to prove that this debt is not mine and that I am a victim of identity theft. I urge the credit reporting agencies to comply with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this error promptly.
Product: Debt collection

I have tried to dispute this charge with jefferson capital llc for the amount of XXXX It has been over 8 years that this has been on my account and they keep re- aging it even after I have told them I am a victim of identity theft. It was my ex boyfriend who opened the account fraudulently and he is currently XXXX. They do not have a picture of my license nor do they have my signature.
Product: Debt collection

I have no clue what this debt is or who the creditor even is. This is not my debt, I have never saw this debt before. I have tried over and over to contact this company, dispute this debt, asked for clarification of this debt, and done everything that I can do to prove that this is not my debt however month after month there is no true and proper investigation. There is no response given to me that proves this is my debt, there is no description of what this debt even is. It says XXXX on my credit report. And this debt has been removed from my XXXX Credit report however it is still there on my XXXX. This is not my debt and I have no idea where it came from.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX with account name XXXX XXXX XXXX has violated my rights. 

15usc1681 section 602a states i have a right to privacy.

15usc1681 section 604a section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

In 2018 I received an inflated bank statement from Citi Bank. At that time I was going through other legal proceedings and family situation. When I received the statement I called the bank to say that the amount did not reflect my spending ; the bank did not acknowledge my indication and stood by its numbers on the statement on the phone. I continued to pay my debt ( s ) with Citi Bank, since I had multiple accounts. I had an excellent credit history with them. They even gave me higher spending credit. Unfortunately, I didnt use the whole credit line, but their statement numbers say that I did. Citi Bank is currently suing me in District Court,  and without providing me with the statements for the year that the discrepancy happened. 
My credit line was XXXX dollars and I owed closer to XXXX dollars.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised products.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency XXXX is falsely reporting that I owe {$1800.00} to them! I have NEVER met with them and I have NEVER signed any contract with them. I have tried disputing this several times to no avail. I have called them and also expressed to them that I had no knowledge of this! 
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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

im a victim of identity theft pursuant to FCRA SECTION According to 15 U.S.C. 1681c-2, I am entitled to request that you block the reporting of any information that is a result of identity theft. I expect that you will complete this request within the required timeframe of four business days. According to the Fair Credit Reporting Act ( FCRA ), Section 605B requires consumer reporting agencies to : Block fraudulent information Within four business days of receiving the required information, block any information in a consumer 's file that the consumer claims is the result of identity theft.