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

I've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my Experian and XXXX, XXXX XXXX XXXX XXXX, this account of XXXX XXXX XXXX  Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXX XXXXInquired onXXXX, XXXX  Inquired XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES
Product: Credit reporting

XXXX. This is the first opportunity I have had to examine my credit scores. I have a dispute with a lien listed as XXXX. I came to an agreement with XXXX XX/XX/2016 and this account is almost paid in full. My understanding from their attorney is that this lien would be removed from my report immediately. I will pursue legally with them but would like to know what documentation you need to remove this from my credit reports. 
Thank you in advance for your assistance. 
XXXX XXXX
Product: Mortgage

Over the last year several attempts on their website, phone and via email to XXXX have not produced an answer as to why a loan or of approximately {$250000.00} with XXXX XXXX had a principal balance in 2014 of over {$270000.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Clarity Services , Inc. regarding fraudulent inquiries on my consumer report, which are attempts to obtain credit and loans in my name. These inquiries include : XX/XX/year>2023 : Multiple inquiries for storefront payday loans by XXXX XXXX. 
XX/XX/scrub>/2023 : Inquiries for online installment loans by XXXX and XXXXXX/XX/XXXX, online payday loans by XX/XX/XXXX/XX/XX/XXXX and XXXX, and lines of credit byXX/XX/XXXX and XXXX. 

These inquiries were made fraudulently using my Social Security number, drivers license, and date of birth, which were compromised in the XXXX data breach. These fraudulent applications were not authorized by me and are the result of identity theft. 

Additionally, fraudulent addresses, phone numbers, and email addresses appear on my report, including : Addresses : XXXX XXXX XXXX XXXX, XXXX, KS XXXX and XXXX XXXX XXXX XXXX, XXXX, KS XXXX Phone numbers : XXXX, XXXX, and others Email address : XXXX and XXXX The individual who stole my identity used this information to attempt to secure auto loans, payday loans, and cash advances. This has caused significant distress, as I have had to monitor my credit reports with not only Clarity Services but also Experian, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX to identify and dispute fraudulent entries. 

These fraudulent inquiries have caused repeated emotional and financial distress : My credit score has been negatively impacted by these unauthorized inquiries. 
I am forced to monitor multiple credit bureaus and third-party services constantly, incurring additional expenses and consuming significant time. 
The ongoing reappearance of fraudulent data has severely affected my trust in credit reporting agencies and lenders.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXXXXXX - XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, according to my my XXXX Bank. Credit report, I have dropped XXXX points. The data is supplied to XXXX XXXX site by Experian. I contacted Experian for a response, and was told that there system showed an XXXX max XXXX score. The XXXX Bank is an almagamation of XXXX credit bureau, using a XXXX XXXX. The rating encompasses a larger number span, abet in my case my score should not have dropped to that extreme, moving me from an exceptional credit status to a good credit status. This has happened recently, with any rationale, only to have the points reinstated, to include extra points. I have made efforts to contact the customer service area, but get only automated prompts, that live customer service is unavailable. I feel, not only Experian, but the credit reporting outlets have gliches in their systems.
Product: Debt collection

I have tried repeatedly to resolve this issue. It should have never made it to collection. The address the bill were being sent to was incorrect in first place. I have called several time to set up payment arrangements and settle this debt and have been told no each time. Including XXXX  XX/XX/year>. Central States Recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # 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 an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

they call me weekly. different numbers and i ve told them to stop calling, blocking them does not seem to phase them. they are not a us based company, i dont have any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I, XXXX XXXX am writing you today as an aggrieved man. My wallet was stolen in 2009 and my identity has been fraudulently used since. Several fraudulent accounts were opened in my name without my knowledge and or consent. 
Recently I tried to open a bank account and was denied because of EARLY WARNING SYSTEMS reporting there is a balance owed to XXXX XXXX BANK. 
However, these are not my accounts, and they are fraudulent. I, XXXX XXXX have never held a bank account with XXXX XXXX. XXXX XXXX investigated and found those fraudulent accounts do not belong to XXXX XXXX. I have attached the letter from XXXX XXXX XXXX XXXX for your review. 
I demand fraudulent XXXX XXXX accounts be removed from my consumer report poste haste. I hope EARLY WARNING SYSTEMS acts in good faith and removes these accounts.
Product: Checking or savings account

I Got a tax Fed refund {$4100.00}. in my chase account, one day my account is closed and i cant access my {$2000.00} left, i called chase they told i need to verify with a document 1040 tax i sent ity in called back and they lost it after sent again they lost it again went into chase branch and they submitted it and nothing -lost in the system. at this point i can not do anything else to verify my tax return.
Product: Credit card or prepaid card

Ashley Furniture/Syncrony Bank XXXX initial purchase with deferred interest. XXXX ordered online Reported this last year as fraud, still hasn't been taken off the account. The account with Syncrony is closed, last four digits of card with fraudulent charge is XXXX. 

Total statement balance now since they won't remove it is XXXX and i've sent it again to their fraud department to have removed and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand this company CREDIT ACCEPTANCE CORPORATION to cease all communications, and they act as though they're above the law, This is Defamation of character according to 28 cfr 4101 ( 1 ) false and misleading practices 15 usc 1692 ( g ) you never provided me with proof of where the credit came from, also forward flow agreement, uninformed use credit 15 usc 1692 ( g )
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a new bank account at XXXX XXXX XXXXXXXX XXXX XXXX Very much to my surprise I was denied. When attempting to find out the reasoning I was told to call ChexSystems. This company is a disgrace. I called 4 numbers some of which were disconnected before I finally got someone who was in another country and told me nothing other than to get on the website. They were absolutely no help. In addition a company this careless has my personal information in there possession. Perhaps it is companies like this in which I have been a victim of identity theft TWICE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A : 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 an account without my written instructions.
Product: Debt collection

The previous debt collector company did not respond to me my request for the original agreement, last payment date, and notes of the last communication to XXXX staff of my departure before they release the phone code to the new company. I also disputed the amount through XXXX XXXX when it appeared on the XXXX side. After a few months, they removed it. Now there is a second debt collector, Source Receivable Management ( Ref # XXXX ). I have responded to them through the mail that this is also a fraudulent amount from XXXX because XXXX  business practice is to pay the balance in full before they can release the phone number in question. Im requesting your help with this. How many times do I have to go through this process when I dont owe this debt?
Product: Credit reporting

Equifax is currently reporting XXXX charged-off accounts from XXXX that are grossly incorrect. I contacted XXXX via phone some months ago to obtain account numbers to investigate these accounts. They were unable to provide them. I filed an online dispute with Equifax and they were incorrectly " verified ''. Equifax is being grossly negligent in reporting these accounts and is causing a great hardship.
Product: Payday loan, title loan, or personal loan

The loan application process and funding was done with ease. Shouldve known it was too good to be true. I usually pay my bills 1-2 months ahead. Lending Club is the ONLY creditor that refuses to accept early payments. They start sending bill notices 15-days early so after my second notice for my XX/XX/XXXX payment, I made a payment 1 day early on XX/XX/XXXX. These idiots applied the entire payment to principal curtailment then sent me a late notice for XX/XX/XXXX After I realized they misapplied my payment, I called but the rep and his manager refused to reverse and reapply it correctly. Manager XXXX ( No unique ID, just the only XXXX employed there ) said its not their fault I paid 1-day early and therefore they cant reverse the payment! This is unacceptable and the entire company should be investigated. If they did this to me, I can only imaging what theyre doing to other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint against Jefferson Capital, regarding their account number XXXX, for multiple violations of my rights as outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations 15 USC 1681 Section 602, 15 USC 1681 Section 604 ( a ) ( 2 ), 15 U.S. Code 1692c, 15 U.S. Code 1692j ( a ) include mishandling and improper disclosure of my personal credit information without my consent, as well as unlawful communication regarding debt collection without my prior approval. Furthermore, Jefferson Capital furnished deceptive forms during the collection process, falsely implying the involvement of a third party.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/2024 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

On XX/XX/XXXX I attempted to fix issues with the credit bureau but no success so am I now filing a complaint against the credit bureas due to the false and deceptive report of the credit bureaus.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally dispute the late payments reported on my credit card account for XXXX and XXXX of 2024. These late payments resulted from my credit card being stolen, which left me without access to my funds. I promptly contacted Navy Federal about the issue, but it was never properly resolved. Despite my efforts, I even paid off the account and closed it, yet the inaccurate information remains on my credit report. Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy in their reports. Due to this inaccurate reporting, I have been unable to apply for credit, which has significantly impacted me. I request that this matter be corrected immediately by removing the late payments from my credit report. Please investigate this issue and update my report accordingly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX, Account # : XXXXXXXX XXXX, Account # : XXXX, XXXXXXXX XXXX Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX, Account # : XXXX, XXXX  Account # : XXXX XXXX & XXXX XXXX DC, 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Business Phone : XXXX Personal Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX Place of Birth : XXXX  Driver 's License # XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request to Update Personal Phone Number on Credit Report Dear TransUnion, I am writing to request an update to my personal information on my credit report. Specifically, I would like to update my personal phone number to ensure my contact details are current. 

Old Personal Phone Number : XXXX ( now my business phone ) New Personal Phone Number : XXXX Please update my credit file with this new personal phone number, and kindly confirm once the change has been made. 

For verification purposes, I have included a copy of my driver 's license and a recent bank statement showing my updated contact information. 

I appreciate your prompt attention to this request. Should you need any further information, feel free to reach me at either my personal or business number. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Business Phone : XXXX Personal Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX Place of Birth : XXXX  Driver 's License # XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request to Update Personal Phone Number on Credit Report Dear XXXX XXXX I am writing to request an update to my personal information on my credit report. Specifically, I would like to update my personal phone number to ensure my contact details are accurate. 

Old Personal Phone Number : XXXX ( now my business phone ) New Personal Phone Number : XXXX Please update my credit file with this new personal phone number and confirm once the change has been made. 

For verification purposes, I have included a copy of my driver 's license and a recent bank statement showing my updated contact information. 

I appreciate your prompt attention to this request. Should you need any further information, please feel free to contact me at either my personal or business number. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Business Phone : XXXX Personal Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX Place of Birth : XXXX  Driver 's License # XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request to Update Personal Phone Number on Credit Report Dear XXXX, I am writing to request an update to my personal information on my credit report. Specifically, I would like to update my personal phone number to ensure my contact details are accurate. 

Old Personal Phone Number : XXXX ( now my business phone ) New Personal Phone Number : XXXX Please update my credit file with this new personal phone number and confirm once the change has been made. 

For verification purposes, I have included a copy of my driver 's license and a recent bank statement showing my updated contact information. 

I appreciate your prompt attention to this request. Should you need any further information, please feel free to contact me at either my personal or business number. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested validation of a debt from Aldous & Associates Collections, which they placed on my XXXX credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I asked for copies of the original contract/agreement and a breakdown of how the debt was accumulated within the required timeframe. Despite my request, Aldous XXXX XXXX XXXX failed to provide these documents within 30 days. 

As a result, they have not validated the debt as requested by law, yet they have reported it to XXXX, impacting my credit negatively. I am filing this complaint to address the inaccurate reporting and the failure to provide validation of the debt as required under the FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$8700.00} Since the original update Charge off it has been repeatedly updated as charged off every month or recent months. This continuous updating constitutes an inaccurate payment history for a charged-off account. Such misinformation falsely manipulates the statute of limitations. Your failure to properly investigate this account has infringed upon my rights. I demand the deletion of the account immediately. 
The inaccuracies are significantly damaging my credit score In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual you verified with above so that I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report FOR THE 6th time based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and/or delete the inaccurate accounts. Given these inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. If these accounts are not deleted after this factual report I will have to seek the help of the CFPB or Legal Action on the next steps to protect my rights and reestablish my ability to obtain credit. These inaccuracies are preventing me from obtaining the credit and lending rights I require and those requests to my personal and business lending facilities have been duly noted over the past 6 months.