23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my report and noticed that the consumer reporting agency has violated the FCRA. They have deleted a fraudulent account more than 5 times but then they keep putting it back on my report. I have already provided a copy of my FTC complaint along with screenshots of the accounts being deleted and added right back without ever being verified or validated. In your response to my previous dispute you stated in writing that you verified the accounts belong to me. How? who did you speak with, that have first hand knowledge regarding the accounts in question. In fact I do not have any documents from you nor the data furnisher that can prove that these accounts belong to me. XXXX - XXXX 15 USC 1681i ( a ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I have never received any documents explaining to me why you are adding that account back. Lastly XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX these are more fraudulent accounts that are still furnished on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax stating that my information was accessed in the Equifax Breach. I have 3 inquiries on my credit report with Equifax that I didn't authorize. They are the following : XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX and XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself a s well as a paid firm (  XXXX   XXXX  ) has repeatedly disputed  XXXX  negative item that only Equifax refuse to delete. On   XX/XX/XXXX ,  I spoke with a Equifax dispute  rep.  Who advised that she would dispute the erroneous account for   XXXX   XXXX   XXXX    formerly known as   XXXX   XXXX   XXXX    XXXX   XXXX  ( Account #  XXXX  ) ( Dispute reference #  XXXX  ).     After calling in on   XX/XX/XXXX     to verify that the dispute process had started I was advised that the creditor verified that the information they provided is accurate. At that time I again explained that the account was erroneous as the monthly payment, the past due amount and the status 120 days was all frivolous and I need written proof verifying how they proved that this information was in fact correct. At that time another investigation was started and I was provided with dispute reference #  XXXX .     I again wait ed 24 hours and c alled back into Equifax to verify that the process had in fact started as was advised they had already disputed the account and that the creditor had verified the informati on. Might  I add, during thi s 2nd request  I provided my original contract showing my payments as well as additional information. It was know way possible this could be verified as accurate.     After major frustration and countless hours of trying to get the issue resolved myself, I broke down and paid  XXXX   XXXX  over a {$100.00} to intervene. I provided  XXXX  Law with my original contract and Bankruptcy documents dated back in   XX/XX/XXXX   showing that the loan was part of a BK and that the creditor is reporting every month for the past year that I was 120 days late and that my payment is {$200.00}. All of this information is erroneous.     On   XX/XX/XXXX ,  Equifax came back once again advising  XXXX   XXXX  that the account was valid and they are reporting the account accurate. After my providing proof and requesting proof from Equifax as to how   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  verified the account I was told that my claims where frivolous and I did not receive any information from Equifax verifying the process used to validate this account.     Furthermore, Equifax refused to dispute and remove the fraudulent inquiries dated after providing information from the FTC as well as a police report.       XXXX   -  XXXX   XXXX   XXXX   XXXX    XXXX   -  XXXX   XXXX   XX/XX/XXXX    -  XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    -  XXXX   XX/XX/XXXX    -   XXXX   Please assist me with this issue as I can not offered to keep paying attorneys for something that has been proved numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau / XXXXXXXX XXXX XXXX XXXX  Account # XXXX Im still shocked that you continue to report this above auto loan account into my credit, and you failed to truthfully verify & investigate this account thoroughly. I just include a screenshot below that shows several inconsistencies, misleading, incomplete information on it. Its my understanding that the consumer laws clearly state that information on individual credit reports needs to be reported 100 % accurate and it needs to be 100 % verifiable. As you can see the information below, its not 100 % of either and its reporting misleading and incomplete information. Therefore, its impossible that you verified. Actually, XXXX deleted it immediately from my credit because of these several violations that I pointed out below and I demand that you DELETE it from my credit as well. Its causing this account to illegally re-aged, which is a violation under the provisions of FCRA, and therefore, it can not be reported on my credit report. For example, The HIGH CREDIT BALANCE is different between the 2 credit reporting agencies ; one reports {$9300.00}, and the other {$4300.00}. Its my understanding that the HIGH BALANCE on the charge-off account needs to be higher than the actual balance but not in this case and it needs to be reported. Again, this account is in violation of my consumer rights and it needs to be removed from my credit report. It unverifiable and its reporting incorrect, inaccurate, misleading, and incomplete information. Its completely inconsistent!
Product: Debt collection

This Consumer Complaint is filed against XXXX XXXX, XXXX ( XXXX XXXX ) and GoodLeap , LLC ( GoodLeap ) for breach of contract, fraudulent misrepresentation, conspiracy, predatory lending practices, and violations of the Deceptive Trade Practices Act. As a result of both XXXX XXXX and GoodLeaps continuous false, deceptive, misleading, and predatory actions, I have suffered {$1300.00} ( recovered {$410.00} ) in actual damages, had my solar panels illegal locked up for over a month, incurred a XXXX drop in credit score ( from XXXX to XXXX ), and suffered severe anxiety and mental anguish. Please see attached for detailed complaint and evidence.
Product: Mortgage

Hi! 
My personal bank account is something problem. 
So I contacted bank agents. 
They founded someone bridge of my online banking system. 
And opened New account. 
I never order of opened new account. 
So bank shut down my online banking and closed new account. 
So Anyway I can't use of my account temporarily. 
We couldn't pay to Our second mortgage company. 
We had a behind payments. 
Mortgage company intent to foreclosure step. 
Give me time please!!! 
Thanks.
Product: Credit reporting or other personal consumer reports

I am disputing the charge- off balances reported by XXXX XXXX and Capital One on my credit report. These accounts were charged off on the following dates : XXXX XXXX - XX/XX/year> Capital One - They have not been actively pursued for collection. Each creditor has failed to provide and issue a 1099-C - Cancellation of Debt Form indicating the debt has been forgiven and reported for tax purposes. 

The absence of the 1099-C suggests that the balance is still being incorrectly reported as owed, despite the charge-off statuses. This is inaccurate and I am requesting that the creditors : ( 1 ) Provide Clarification regarding the status of the debt. 
( 2 ) Issue a 1099-C if the debt has been forgiven, ( XXXX ) Update my account on my credit report to reflect a {$0.00} balance if the debts are no longer owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> & XXXX XX/XX/year>
Product: Credit card or prepaid card

Hi, I would like to dispute a charge made with a {$100.00} XXXX gift card that was given to us in XX/XX/2022. We reside in the XXXX XXXX in CA and attempted to use it on a trip to XXXX XXXX, but was denied during the transactions. We called the number at the back of the card and according to the XXXX customer service, an unauthorized purchase was made in XXXX, CA shortly after the XXXX gift card was activated. We contacted the merchant directly to settle the transaction and were told to fill out a form. We filled out said form and sent it in XX/XX/2022 and waited the 30-90 day window and have gotten no updates despite calling merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 federal student loans totaling a little more than 5000.00. My loans have been in deferment but they are reporting 10 late payments on each. Last year I refilled out the paperwork and sent it in and it was not processed. As soon as I noticed i immediately called and emailed and they fixed the problem but yet they are still reporting I paid it late. I did not. This was an error. It was just an accident and while I am not upset the accident happened, it is unfair to bring my credit score down by almost 100 points over payments that were not late. Im a single parent and micro business owner. I am having a horrible time finding loans to get me through because of these reported late payments. I was not late ... I filled out the paperwork on time. It is not my fault it was not processed correctly. I am begging you to please take off these late payments. Everything else I have has always been paid on time but these reported late payments are ruing everything for me
Product: Credit reporting or other personal consumer reports

I'm filing this complaint regarding inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve directly with the reporting agencies, it remains unresolved. I request immediate investigation and removal of this item. As it's incorrect and does not reflect my true credit history. 


XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX {$190.00}
Product: Vehicle loan or lease

Santander had repossessed my sons car and put on my credit he did not pay to get back because tow truck had scapped the bottom and car came off hunge and landed side ways with damage now it it reported on my credit as charge off sold to another company with out my consent santander shows amount XXXX and other company showed XXXX so two amounts different and both on my credit report for a debit that shouldnt be on my report
Product: Credit card or prepaid card

Last month, after 26 years of being a loyal consumer with Chase Bank, they reduced my credit limit. This month I received a notice that if I miss a payment, my interest rate may go up to 29.99 % and indefinitely stay there. They give you the option to reject this rate increase, yet if you reject it, your account is cancelled. ... In the last 26+ years I have missed two payments. Neither of which occurred in the last year or longer. For this to happen durning a pandemic is disturbing. If this is how I am being treated after a near perfect, three decade history and a mid XXXX credit score, I cant imagine how they are treating those who are truly struggling during this time. 

I will never give Chase Bank or its subsidiaries my services again. I will also be sure to spread the word. Simply disgusting.and disturbing.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX -- {$160.00} XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXX) # XXXX XX/XX/XXXX -- {$700.00} XX/XX/XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$610.00} UNAUTHORIZED INQUIRIES : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX Equifax
Product: Debt collection

Multiple Emails and Multiple calls from several people at this business. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX. I communicated my plan for payment. Stated I was doing the best I could do and that repeated contact would not change what I could do. Asked them to restrict their contact to ONE member of their staff and to use Email only ( as I can not receive calls during the day ) They have also called before XXXX and called after I 've asked them not to.
Product: Debt collection

I requested that transunion complete an investigation on this account and they never did. this account has no explicit consent from me to do any business with me and when I asked for proof nothing was provided I told transunion I didn't know who this company was so I'm requisiting that transunion blocks this information as I have an FTC.gov identity theft report attached. until any proof in wet ink with my signature proving I did business with them this informations to be blocked immediately, thank you. you have 4 days from receipt of this complaint after that I will be seeking to file a suit as I already am in arbitration with frontline asset strategies and they've just recently again illegally given my information to another company named credence who just contacted me as of XX/XX/2023 with the same bill you did from the same original company which shows me frontline did something wrong for them to just drop my case. this Is proof in itself that you, transunion failed to keep fraudulent activity off my public credit report which has lead to some very upsetting and humiliating setbacks in such a difficult time in the economy.
Product: Debt collection

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : L J Ross Associates IN Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt.

Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt.

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it. 

I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are continuing to report incorrect information on my credit report.

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. They are verifying this item with out any proof.

I sent 3 validation request letters to the creditor. I received one response stating they could not locate any information about this account linked to my name address. The 2nd letter was a {$640.00} invoice. This is not validation or verification of any debt. I also called the number for the company and was informed they couldnt locate any account linked to my name and address.

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report that violate 15 USC 1681c-2, and they are lowering my credit score. Please remove these inquiries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago upon reviewing recent copies of my credit report, I realized that my identity had been compromised and I have become a victim of identity theft. I immediately notified the three major credit bureaus Transunion, XXXX, and XXXX. I sent out numerous dispute letters along with supporting documentation. I recently submitted an identity theft report from the Federal Trade Commission which included some of the Fraudulent accounts in question. In addition I attached a copy of my drivers license, social security card, and a utility bill. After noticing fraudulent personal information listed on my report, I submitted and updated personal information request to remove all fraudulent outdated information including incorrect or wrong names, phone numbers, addresses, and etc. I have yet to receive any verification from in regards to my dispute and it has been well beyond the 30 day time frame allotted under the Transunion Fair Credit Report. Transunion has violated section 605b, 609, and 611 under the Fair Credit Reporting act and should be held accountable.
Product: Vehicle loan or lease

The car has been reprocess, I was try to resolve the problem due to the financial hardship with the XXXX XXXX  and work a few day sometimes pay the rent and not enough to pay to car, was contact them since the California has push the payment and people who is struggling to pay till the XXXX XXXX XXXX XXXX XXXX XXXX. The BMW wasnt assist at all, they were repo my car
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize no one to use my information and its seem like someone chose to do want they wanted instead of what should be done
Product: Credit reporting, credit repair services, or other personal consumer reports

I've provided enough information for these companies to conduct a thorough investigation. 
XXXX XXXX is reporting inaccurate on my credit report with Equifax and XXXX  and they refuse to delete the accounts.