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

XXXX has repeatedly reported inaccurate information on my report. they have Allowed this company to report, update and belie facts of a charge off which blatantly disregards the law. See : inaccurate reports. 

I have reported them to the CFPB # XXXX. This report still didnt force XXXX to do their due diligence on the subject. They continued to falsify business records. 

The law states ; 1. my consumer report must be 100 % accurate ; 2. Upon such investigation the information must be modified or deleted.

3. A charge off is reported after 180 days 4. A company does have ANY right to report consumers transaction and experiences 5. No company shall falsify business records ; 18 U.S.C.. 471 & 473 6. No person shall report information thats known to be false The account balance should be reflecting {$850.00}. XXXX failed on numerous attempts to have accurate information report on my credit profile. 

XXXX violated every one of these laws and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : 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 or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it.
Product: Credit card or prepaid card

XX/XX/2019 Car rental reservation made online with XXXX XXXX XXXX XXXX at XXXX airport in the amount of {$390.00}. Arrived for noon pickup to find 40-50 people waiting in line. Waited 1 hour and 10 minutes with no movement. Called XXXX to be told the reservation was non-cancellable. Because I had an important engagement I tried several other rental agencies in the airport to no avail. Left Airport, drove to XXXX, rented at XXXX at considerable expense and lost time. Contact Capital One completed their documents and charge was temporarily rescinded. They later responded that because I had not cancel the reservation I was responsible. Provided proof of attempted cancellation. Response was I had not waited long enough. However they could not tell me what a fair amount of wait time would be. They then responded, as XXXX had, stating that in fact the contract was non-cancelable despite the fact that they had not kept the contract agreement of a noon pickup. Capital One then re debited my account.
Product: Credit card or prepaid card

I have made several attempts to resolve this civilly. However, the incompetence and illegal activities of the company does n't resolve the issues. Multiple " senior '' representatives : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have each sent me cut/paste responses. I have reached out to some of them via email and phone with NO assistance. I never made a payment and want the IP address of the payment made online on XX/XX/XXXX. I thoroughly went through the transactions which are NOT mine. Again items were sent to an unknown LA residence. Synchrony is very aware that items ordered were never received nor ordered by me. Remove this illegitimate very inaccurate account immediately before legal recourse for violations of reporting inaccurate, fraudulent charges.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX, Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) -The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) -The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting or other personal consumer reports

I recently looked at my report and noticed an update on my report. However, I disagree with your investigation for XX/XX/XXXX and XX/XX/XXXX. My account was never late. Can you please investigate and update my account appropriately. XXXX XXXX
Product: Consumer Loan

AHFC is reporting outdated information about my account which has always been delinquent since 2008 and now charged off account to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAN NOT GET THROUGH TO TRANSUNION IN THE UNITED STATES, EVERYTIME I CALL I 'M TOLD THAT MY CALL CAN NOT BE TRANSFERRED OR THE PHONES ARE NOT WORKING.
Product: Credit card

I opened a Care Credit card account in XXXX 2015 with an online application to match with my pet insurance. We visited the vet and had a {$110.00} bill, which I was told my insurance would cover a portion, and that Care Credit would handle the rest. I never received a single bill, statement, my card, phone call or anything from Care Credit during the following months. In XXXX 2015, I received a notice from a collection agency stating that they had " bought my account '' and were attempting to collect around {$500.00}. 
Apparently, when they opened my credit file, the charged about {$100.00} to the account from the vet visit/bill, and every month thereafter would add an additional {$85.00} ( approx ) to my bill for late fees, then at the 5-6 month mark sold it off to a collection company. 
I tried to call them and resolve the issues, but the management and supervisors at the place tell me there 's nothing they can do, because it 's already been sold. They also claim they sent out bills to me each month, but there 's no way to verify that they did or did n't. 
This entire thing stinks XXXX. How can a small bill for {$100.00} jump to just under {$500.00} in less than 4 or 5 months, then in turn sell it off as if it were a legitimate debt? Since my insurance did n't pay for any of the vet bill, I offered to pay them the original amount of what I owed them in XXXX, but they refused. 
I 'm not sure what I can do - but I absolutely do not think I 've done anything wrong here and I refuse to deal with a collection agency that has no legitimate claim to my bill, the total they 're saying I now owe, and if I do deal with them it will continue to show as a charge off on my credit. And, that I admitted to doing something wrong and that I paid off the collection account. 
SYNCB/CARE CREDITC/O XXXX XXXX XXXX, FL XXXX # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also the following inquires as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I don't know what is going on because I just checked my credit report and can not believe what I see. I found this fraud account opened without my knowledge and shall delete from my credit report. I spoke with the fraud team from XXXX XXXX XXXX  and she told me since this account was opened due to fraud, she will closed it out. I was told that I have the right to delete this fraud account from my credit report. Account number XXXX is fraud and I would like to use my right to delete this fraud credit card from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open/authorize these accounts.
Product: Debt collection

Hello, reference # XXXX on {$19.00}, XXXX on {$49.00} - I do not recognize the amounts. 
Please send me information for the name and address of the original creditor. I can not find it on my invoices I have at home. I do not recognize the amounts. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a tax ID holder, and I do have credit established here in the US, 1. Experian : I am paying for credit monitoring and I have no problem accessing my information from my computer or mobile. When accessing the 3 credit bureaus from Experian.com, ( which I am paying for ), I have no access to XXXX  or XXXX. I called in Experian and they said I have to actually call the companies themselves and file a case which I did, I opened cases two different times with both companies, XXXX  and XXXX  about 2 months ago from the 1st complaint and about one month ago for the second complaint, and they promise a response to my email which never happened.

2.Transunion : I used to have my credit report online updated only once every year ( I was paying XXXX every month to have my credit available anytime I needed it ), I was upset with this and called them to refund my money, which they did, but they removed my access online to the XXXX  credit report. I called in about a month ago to have it back, no response. 

3. XXXX  : I have online access to the free report every month, called my XXXX, but I need it available 24/7 because I'm planning to fix my credit ( I need to know what my credit report is so I can actually go ahead and pay my debts ) ; I tried to upgrade my account to the paid service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing you.

4XXXX XXXX XXXX : They gave me a very bad rate considering was the only company will approve me because I am a Tax ID Holder even though my credit was very good at that time. I think this is discrimination.
Product: Debt collection

My mortgage was discharged on XX/XX/XXXX in Chapter XXXX Bankruptcy according to Chase Bank records. Chase Bank established an escrow account and I received an " Escrow account statement '' dated XX/XX/XXXX that would more than double my existing mortgage payment from {$1000.00} to XXXX. 
RESPA prohibits loan servicers from demanding excessively large escrow accounts. 
Case # XXXX was opened with Chase Bank on XX/XX/XXXX. 
I attempted to contact my Relationship Manager, XXXX XXXX XXXX, to eliminate or reduce the excessive escrow amount. I made my latest phone call to XXXX on XX/XX/XXXX. 
An agent at Chase Bank, XXXX, was not able to connect me to my Relationship Manager, XXXX XXXX XXXX to discuss. 
I spent an hour on the phone, much of it on hold. 
Chase Bank has not resolved the escrow issue to my satisfaction.
Product: Credit reporting or other personal consumer reports

Lexington law systematically collected fees for years under false pretenses, promising services or results that were never delivered. Despite receiving payment, Lexington law failed to perform any of the agreed-upon work, violating contractual obligations and consumer protection laws. This constitutes fraudulent misrepresentation and unjust enrichment, causing financial harm Im seek restitution of all improperly collected fees, compensation for damages, and injunctive relief to prevent further misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Product: Mortgage

XX/XX/year> XX/XX/year> No mention of streamlining after delayed payments and forced default process now in foreclosure status with a pending Mediation ; no " XXXX XXXX, Flex Modification '' option after no being more than 90 days behind on mortgage to avoid severe risk of foreclosure ;
Product: Debt collection

XXXX XXXX XXXX  keeps trying to collect money for XXXX XXXX  that i do not owe i cancelled the policy and it was paid in full, they do this all the time and I have called them numerous times and can't seem to get this resolved, I do not owe XXXX to anyone i want this removed from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated account name and account # XXXXXXXX XXXX XXXX XXXXXXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. this is ground for removal. they also violated my rights under 15 U.S.C 1681 section 604 A Section 2 ; The law clearly states a consumer reporting agency can not furnish a account without my written instructions. they also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( A ) ; The law Cleary states the credit bureaus have 5 days to notify me from when they receive my disputes. they also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). the law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate theseitems within 30days 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 should be deleted immediately or i will file for litigationdue to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the handsof the wrong person
Product: Credit reporting or other personal consumer reports

XXXX still put this XXXX XXXX on my credit report it is settled I don't remember it's been since XXXX XXXX XXXX it was a lemon it could not pass inspection for nothing car broke down on highway tow truck came towed it s aid the engine went oil leaking out no front lights it was a nightmare terrible once the car got to the tow shop he manager said it was a peice of junk lemon do I complaints to XXXX, attorney general office, consumer affairs office they told us to try to get the car back to the dealership XXXX XXXX in XXXX NY XXXX XXXX XXXX used car lot closed down 1 year 3 months after we had the car they we're selling lemon cars drive 1 year until inspection and that when we found out the car lot was scamming customers selling car that were in storms flooded water damaged engine 's XXXX XXXX said they need to get the car sold so we told the tow man what happened and what we went through with this car lemon he brought it and used the car for parts so he contacted XXXX XXXX and they agreed on XXXX and I sent a copy of the paid in full letter XXXX credit said that's not proof I want to sue them for damages of XXXX voilated code 15us 1681 code809 code 611 code. 623 code 605
Product: Credit reporting, credit repair services, or other personal consumer reports

I had noticed that my credit had been hit with a hard inquiry that I have never heard of called, XXXX on XX/XX/2018. I tried to call the office number provided and I have not been able to reach anyone. Upon research I found that this company has hit many others credit and I would like this removed. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX comety XXXX XXXX and XXXX XXXX  XXXX XXXX/XXXX XXXX after making a settlement with them, both items supposed to be removed from credit report and its currently showing on my credit. 

Credit were settle and paid and promised to be removed from all 3 credit bureaus.