23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to Equifax regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. I have sent disputes to XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite these letters being sent to these XXXX bureaus, there has been no resolution or corrections. Furthermore, there is no dispute verbiage on these accounts.
Product: Bank account or service

I opened a citi gold checking account XX/XX/XXXX with a promotional bonus of XXXX Aadvantage miles and I called three or four times to citi gold customer service and they said I 've met those requirements and have submitted an investigation. I should be receiving a letter by then but I do n't receive it even now. So I have to call again asking about it. They have to submit another investigation ticket but still nothing happened. I 'm really disappointed by not hearing anything from them and this just ca n't be resolved.
Product: Debt collection

Harris Harris calling us, asking for us to call them. Their # is XXXX. They are a debt collection agency. They do not leave any specific debt we owe. They just give the time for us to call them back during the week. This is their third call. We have not received anything in the mail and we have no outstanding debt.
Product: Debt collection

Please be advised, Future Judgement SolutionsXXXX XXXX XXXX &, XXXX XXXX calls me mutilpe times a day, They contuine to threaten to sue, or leave messsge about a debt that doesn't belong to me.I also asked for them to stop calling me XXXX XXXX and they have still continued to call.
Product: Debt collection

Everyday, even on Sundays! They call every 45 mins to an hour. I know I need to make a payment. I have a pending WC claim from being injured at work. As soon as I have money I WILL pay them what I owe. Please help stop this! I cant take it anymore. Over 8 calls a day!!
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report it shows XXXX/XXXX as an open account. but this account has been closed for over 6 years.right after this is another XXXX account that is closed. it is the same account. 
incorrect reporting.
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
The account listed are not transactions done by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.
Product: Credit reporting or other personal consumer reports

Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX, Phone : ( XXXX ) XXXX, Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) reported accounts with company. 

15 U.S. C1681 Section 602 A States I have the right to privacy.

15 U.S, C 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish account without my written instructions.

15 U.S. C 1681c ( a ) ( 5 ) 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shill not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to bring to your attention a matter of utmost urgency regarding the compromised state of my credit with your institution. It has come to my notice that there have been recurring issues in preventing the unauthorized inclusion of items in my credit file, even when accompanied by an FTC fraud report. This marks the ninth attempt on my part to dispute items in my credit file resulting from an alleged identity theft. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ), it is imperative that you promptly adhere to the mandated timeframe for the removal of any items in my file linked to alleged identity theft. The stipulated duration for such action is not later than four business days following the date of receipt, contingent upon the provision of ( 1 ) appropriate proof of the identity of the consumer and ( 2 ) a copy of an identity theft report. Im sending over an Identity Theft Report XXXX XXXX. For your reference, I have provided the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I opened a PayPal Smart Connect ( XXXX ) account XX/XX/XXXX. I made some purchases, but I never received a statement from XXXX until several months later, after the account had already been closed and was in the process of a charge off. In fact, I believe the first correspondence I received on the matter was from the collection agency, which alerted me to the account status. It was extremely difficult to locate any Smart Connect account information on their website at that time in XX/XX/XXXX. It seemed like the website was purposely designed to keep customers from making payments by way of confusion. I was not signed up for paperless billing, so I lost track of the Smart Connect credit line. In retrospect, I wish I had been more proactive in hunting down a way to pay the bill. I was suffering some financial difficulties at the time, but I would have paid at least the minimum monthly bill if I had received statements. By the time I was able to get up with GE/Synchrony to straighten things out, the account had been charged off. The damage had already been done to my credit, so I was frustrated and left the account in limbo for three years. XX/XX/XXXX, I contacted GE/Synchrony to pay the past due balance in full, but they would not accept payment. They subsequently referred me to a third party creditor who had assumed ownership of the debt. I then promptly went and paid the full amount ( {$730.00} ) to the new creditor. Being a loyal customer with XXXX other lines of credit through Synchrony, I contacted them to request removal of the charge off from my report ( since I paid the debt ) on several occasions as a matter of goodwill, but they have refused each time. The continued presence of the charge off on my credit reports is wreaking havoc on my credit and causing me substantial damages in denied credit and increased interest rates. Since Synchrony 's deceptive/faulty billing practices in large part caused the derogatory mark on my credit reports to begin with, I would like the trade line deleted from those reports as soon as possible.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not were opened fraudulently.
Product: Checking or savings account

Discover Bank has placed a restriction on my XXXX Account. I have called Discover with no solution. 

XX/XX/2023 at XXXX Spoke with XXXX and requested to disassociate/deactivate my phone number from Discover and XXXX. Representative stated that she had done this request. 

Couple days later, I am still not able to use XXXX with my other banking institutions due to my phone number still being linked with Discover. 

XX/XX/2023 at XXXX Spoke with Discover specialist XXXX , and she stated that the request was not fully completed and that she had to read me some disclaimers in order to disassociate my phone number and that it would take 15 days for this to be completed. 

XX/XX/2023 at XXXX Spoke with supervisor XXXX , mentioned that she confirmed that everything that Discover could do had been done on their end. There is nothing else that they can do. At this point, I still can not use my XXXX with another institution. No resolution found. She mentioned that my phone number was " deactivated and unblocked, '' and that I should not be encountering any issues trying to use XXXX with another bank. 
On this day, I also spoke with XXXX, a second level supervisor from XXXX who confirmed that my phone number shows that it is still restricted by Discover. 

I called XXXX XXXX XXXX to request a consumer report and they confirmed that Discover restricted my phone number due to " violation of XXXX Services Agreement, '' of which none of this was disclosed to me because everyone I spoke to from Discover confirmed that I should not be having any issues. 

I am currently lost for words and frustrated with this issue. I will be reaching out to Discover corporate ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) once I get my consumer report.
Product: Credit reporting or other personal consumer reports

This is my sixth attempt to inform you of inaccuracies in my credit report. I am writing to dispute these erroneous items. These entries do not correspond to any transactions involving goods, services, or money that I have conducted or authorized. I kindly request the removal of these misleading items from my credit report : Experian : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX  XXXX XXXX Balance Owed : {$4600.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XX/XX/year> =========XXXX  : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00}. The disputed entries are unfamiliar to me, and the details provided about them have been removed by other credit bureaus. I have serious doubts about their accuracy, and the payment history reported is not recognizable. Under FCRA 605B ( c ) ( 1 ) ( C ), I request the authority to have these items rescinded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several complaints to Experian and XXXX  about fraudulent accounts and Inquiries on my credit report. I am not using credit repair company to help me in any way. I am disputing these fraudulent accounts and inquiries on my own. I am in jeopardy of using my top secret clearance and my job for this. I am responsible for taking care a family of 7. Please Reinvestigate this complaint. Experian and XXXX   has XXXX XXXX and XXXX for XXXX. FRAUDULENT Inquiries from Experian XXXX, XXXX, XXXX, XXXX XXXX XXXX  and XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an unverified Bankruptcy on my credit file. I have requested an investigation and a method of investigation and they refuse to rectify the information. They state that the info was verified and I provided proof that no court system verified the info. They state that XXXX verified the info and I provided a copy of my XXXX report with NO BANKRUPTCY listed. They are in violation of the FCRA for publishing unverified information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is not accurate. The items that appear on my credit report as unknown addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers on my file that do not belong to me plead delete remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is derogatory in nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : thisfiling has missing data and is not accurate please delete. 
XXXX XXXX XXXXXXXX # XXXX : This account is listed wrong and error please delete. 
XXXX. XXXXXXXX XXXX XXXX  # XXXX : THis account is not listed properly error please delete. 
XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX : This account was discharged and listed improperly please delete.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 that the information is inaccurate.
Product: Mortgage

I am writing in response to your demand for payment on the purported note and mortgage associated with XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. As you assert that you are the holder of the note and mortgage, I request that you provide a copy of the endorsement or allonge showing that the purported note was properly negotiated, accepted, and transferred to your entity. I also request the mortgage assignment. Pursuant to UCC 3-501, which grants me the right to request reasonable evidence of your authority to enforce the note, I kindly ask that you furnish the necessary documentation to substantiate your claim. This documentation will ensure that the demand for payment is valid and that I am remitting payment to the rightful holder of the instrument.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX  XXXX, has violated my rights under 15 USC 1681, section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan, as late for any purpose.
Product: Vehicle loan or lease

My complaint is about the handling of the vehicle financing. Under the SEC Act, concerns with securities fraud and tax evasion are raised. My promissory note/certificate of indebtedness has been securitized by this company where they received a cusip number and engaged in trading activities. I have done everything correctly and sent to the correct place/person/trustee according to their Indenture agreement and prospectus reports on sec.gov. They have even sent back my copy of the 1099-A which is attached along with other communications and proof of registered mail. Ally is engaging in securities fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : CALL XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute inaccurate information on my credit report concerning an account from NETCREDIT. The account is reported under the name XXXX XXXX, while my legal name is XXXX XXXX XXXX. The account is not mine and was not created or authorized by me. 

I request a thorough investigation into this matter and the prompt removal of this erroneous information from my credit report. Attached are copies of relevant documentation to verify my identity and support my claim. The last image i've sent is an apparent use of the profile NETCREDIT believes they have for me on a credit line I have absolutely no knowledge of. And I have continued to get similar emails claiming no approvals to lines I know nothing about. And this is despite the new inquiries and fraudulent debts on my credit report that aren't even in my name. Again XXXX XXXX XXXX not XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely,
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX Balance Owed : {$18000.00}
Product: Student loan

Was diagnosed with XXXX during the 4th year of XXXX school. Had to get treatment. Could not repay loan during this time. No assistance was offered from the lender regarding interest rate reduction or deferment. The lender only offered to charge interest-only ( $ XXXX/month ) for a year. Interest accrued at a high rate, effectively doubling the total cost of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account ( XXXX XXXX ) does not belong to me only equifax is the one who is reporting this inaccuracy, this is not mine i have never applied to this account or car loan, i will be attaching the police report and the FTC report concerning this account, which i have provided to equifax many times, but they have not been helpful at all, please have this inaccuracy removed from my equifax credit agency thank you
Product: Credit reporting or other personal consumer reports

these compaines ran my credit with out my permission and hard inquiries arn now on my credit report. 

on XXXX XXXX  XXXX XXXX XXXX XXXX 
on XXXX XXXXXXXX XXXX  XXXX XXXX on XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/2024 XXXX on XX/XX/2024 XXXX XXXX on XX/XX/2024 XXXX XXXX on XX/XX/2024 XXXX XXXX on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXn XX/XX/202XXXX XXXX XXXX XXXX 
on XX/XX/2024 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of the Fair Credit Reporting Act, XXXX continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against XXXX was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. What is XXXX consequence? What is the consequence for the three credit bureaus ( XXXX, XXXX, and Experian )? XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or XXXX, the business reporting the bogus information to the credit bureaus? 

Attached are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information ; it is the law.