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

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to ChexSystems requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, ChexSystems is obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account number XXXX is in violation according of 15 USC 1681b reporting inaccurate information. This item is a charge off and should be reporting a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have a 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 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I recently filed a complaint with Equifax about a bankruptcy on my credit. Equifax responded that it was verified to be reporting correctly. I am writing to formally request the details of the individuals who verified the bankruptcy currently listed on my credit report because the following inaccuracies still exist : Date Filed/Reported : Equifax : XX/XX/year>. 
XXXX : XX/XX/year>. 
The filing dates differ by almost a month ( XX/XX/XXXX vs. XX/XX/XXXX ). These dates should be the same for accuracy if both refer to the same bankruptcy case. 

Reference Number : Equifax : XXXX. 
XXXX : XXXX. 
The reference numbers are similar but not identical.I 'm not clear on why there is a difference in formatting or in the additional information ( " XXXX '' ). 

I believe this bankruptcy entry, which is associated with my credit file IS inaccurately reported, and I am seeking to better understand the verification process that was conducted to confirm the information 's accuracy.

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that Equifax provide the following details : The names of the individuals who were responsible for verifying this bankruptcy.

The dates when the bankruptcy verification was conducted.

The titles or roles of these individuals, as well as the entities involved in the verification process.

Please provide this information within the timeframe specified by law, as I am conducting an investigation into the legitimacy of this entry on my report. If this information can not be provided, I expect the bankruptcy to be promptly removed from my credit file.
Product: Debt collection

I received a Capital 1 prepaid Silver Credit card in the mail. It said it was for {$500.00}. Not believing it but curious that Capital I would send me {$500.00}, I went to the XXXX XXXX  ATM and tried using it. The ATM refused the card. 

I called Capital one and explained about the card and that when I tried using it the ATM refused it. I was asked if I entered the PIN #. I told them that a PIN # was not included and could they give me one. The answer was no. I asked what should I do and was told, find the correct PIN or I couldn't use it. 

I then asked them to cancel the card. I was told I needed to give them the PIN and name of bank that funded the card. Of course I didn't know either of them. Not knowing what to do, I did nothing. I figured it was a scam and nothing would come of it. 

Then I started getting bills for interest on the card. Each month I received a notice that interest was being deducted from the card. Annual percentage rate of XXXXXXXX XXXX 

On the latest notice I noticed a " purchase '' charge of {$87.00} and a cash advance of {$570.00}. 

I admit I didn't pay attention to the Capital 1 notices because I did not apply for the card and did not use it and when I tried cancelling it they refused. I shredded the card after they refused to cancel it. 

Yesterday, I received a notice Capital 1 had sold the account to " XXXX XXXX XXXX, XXXX. 

I don't understand what is happening. I confess to being ignorant about financial matters. I only use my XXXXXXXX XXXX Credit and Debit cards. I don't need any other. I am XXXX XXXX XXXX and too trusting. I should have known Capital 1 would never give me {$500.00} free but I see banks offering such often in advertisements. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested to XXXX XXXX XXXX to validate and verify the negative account they are reporting different information compared to other bureaus. This account is only reporting in EXPERIAN. If your record-keeping had been accurate, this account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need this account removed immediately.They have refused to comply or provide copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) What happened? 

On XX/XX/2017 I disputed my Bankruptcy with XXXX XXXX XXXX XXXX. 

It was deleted on XX/XX/2017 Rpt. # XXXX. 

The Bankruptcy was re-inserted XX/XX/2017. 

I have called Equifax and I have been trying to get a hold of the situation regarding the re-inserted Bankruptcy. The refuse to acknowledge the FCRA Legally Binding Laws.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, collection account XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 
I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( eXb ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and prompty notry the furster of trat iorayor that the alomaton nas been moomed 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 or other personal consumer reports

I am following up with the CFPB for the second time and relation to my one and only address i have provided the companies Equifax XXXX  and XXXX with my state ID and other documentation showing my only address but the companies have not updated nor sent me of The old address is being removed. 

To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus Equifax, XXXX and XXXX and noticed the following information are in error : Names And Addresses and phone numbers Since noticing this i have made A FTC report that i have attached to this document here today. Addresses : The following are, Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries : I gave no written consent to furnish or pull I do not recognize them. The inquiries Are also listed below XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX De XXXX I have given your company more than 30 days to remedy the false and incorrect information. You have not written nor responded. Which will be noted
Product: Credit reporting, credit repair services, or other personal consumer reports

No theft protection service provided ; Im a victim of YOUR breach. I began remedying, but hackers prevented me from proceeding back in XXXX! I ran my emails and it came up that I was a victim of your breach. In fact, I caught on to these hackers n XXXX, however according to running my emails to see who has my private info, it goes back to XXXX, and they are STILL HACKING ME, wrecked my credit, broke into my home, wrecked everything I own, run my electronics remotely ( per police ), yet nobody is helping me! My vehicle was repoed illegally as my account was current! Here were 2 other social security numbers on my credit per XXXX ( Im a victim of their breach, so I just found out ). I had them removed. One ended in the year I was born! When you see additional social security numbers on an account, other than the one belonging to the person, doesnt that raise a RED FLAG?! Ive contacted you repeatedly to put security on my file. Then, got a letter in the mail stating it was lifted per MY REQUEST! I never asked you to remove it! But, it was on ALL bureaus! XXXX Ive had calls from someone in XXXX  saying all my private information was all over the state of TX! Ive have fraudulent mail saying I owe taxes in a state I never lived or worked in! Hounded me for 3 years! Addresses wrong ; notifications of utilities verifying I requested services in towns Ive never heard of ; getting codes on my phone for my cards and which I never requested ; phone calls, mail, emails for people using my info to get jobs, etc. My phones tapped, per XXXX XXXX, my calls and messages intercepted, emails hacked, stolen, contacts stolen and disappeared off of sites, and tons more. I need help here!! My credit was XXXX 2 yrs ago! My credit scores do not match payments Ive made, paying off XXXX  XXXX, etc. I demand justification, remediation immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following items are a direct violation of my consumer rights. 

XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX XXXX Account # XXXX XXXX5 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX XXXXXXXX XXXX  XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS..
Product: Credit reporting, credit repair services, or other personal consumer reports

THE LISTED ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE ACCOUNTS NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Item disputed XXXX XXXX XXXX XXXX XXXX 
Issue type Account ownership and fraud issues Issue This is not my collection. 
Item disputed XXXX XXXX XXXX XXXX XXXX XXXX 
Issue type Account ownership and fraud issues Issue This is not my collection. 
Item disputed XXXX XXXX XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue This is not my collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. The bureau also found that the bank violated the CFPA in how it charged certain borrowers for mortgage interest rate-lock extensions. 

XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX
Product: Student loan

I w

as forced to work with Navient because apparently I had defaulted and needed to " rehab '' my loan prior to consolidating. My loan was assumed by Navient in XX/XX/XXXX - the following two years I sent navient payments but never saw any payments toward my principal. I fought with them ALOT while they serviced my loans, but nobody was willing to help me. The basic attitude was I couldn't do anything to get this consolidated unless I just kept paying them, so I did. In XX/XX/XXXX I was FINALLY able to get the loan consolidated. At the time that I was able to consolidate, I had paid around {$980.00} to navient over a period of approximately two years. In that time, my balance INCREASED {$490.00}. In summation, I somehow came out of the " rehabilitation '' period at a {$1400.00} DEFICIT. I have since managed to get out from under Navient 's thumb, however, I believe that I am entitled to at least the {$980.00} in payments that I made. At no point was Navient cooperative in my eyes. And I believe their tactics were threatening and predatory.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Payday loan, title loan, or personal loan

I borrowed about {$2500.00} from XXXX XXXX onXX/XX/XXXX. I 've made payments of {$290.00} every month startingXX/XX/XXXX. I was late with a payment a couple of times and had to pay NSF fee of {$36.00} to my banker ( XXXX XXXX ) and a penalty to XXXX XXXX of {$15.00}. I am still in process of paying this loan off at the said monthly rate. I will have to pay these people until XX/XX/XXXX in order to pay off this debt.This is loansharking at it 's most despicable level in my opinion. I may not be able to get help with this but I wanted your agency to know about this type practice which is prevalent in lower socio-economic communities. XXXX XXXX is another and there are others. Regular banks will not lend money to less affluent people but they finance these loan sharks. The poor people need help. I need help. Please do what you can for us. Thank you. My loan number is XXXX.
Product: Credit reporting or other personal consumer reports

Basically I checked my credit on the XXXX mobile and I seen my credit score dropped by a lot. The name of the credit/lender that was responsible for fake debt collection is XXXXXXXX XXXX and I did some research, found out that they're are fake debt collection agency. Seen people review them online saying they are getting hit with random hard inquiries with high amounts of fake debt owed to them. I don't recognize this company or the collection/account opened on my credit report/activity. This is a fraudulent inquiry and can you guys please remove this off my credit report, I plan on buying a house eventually. It appears as XXXX XXXX XXXX - XX/XX/2024
Product: Debt collection

I am writing this complaint to remove 3 inaccurate and fraudulent accounts from my credit report in the amount of {$220.00}, {$130.00}, and {$120.00}. Enhanced Recovery Company LLC continues to report false and unverifiable debts to the Credit Bureaus. This company continues to violate the FCRA AND FDCPA laws and regulations. Enhanced Recovery failed to contact me about the supposed debts before placing it on my credit report. I have NEVER done any business with this company. I have not requested, received, accepted or utilized any goods, tasks, or services with them. I have no contract with Enhanced Recovery Company, verbally, written, expressed, or implied. Through certified mail, I have repeatedly requested chain of custody. This company has failed to provide me with an original contract bearing my signature with specific dates, as well as proof of their authority in this matter. Enhanced Recovery has failed to provide ANY documents proving that this debt is within statue of limitations. They have failed to provide all purported assignments, sales, and/or transfers of the alleged account and debt in question, a verified itemized statements of all services, money, property, or insurance. In summary, Enhanced Recovery Company has failed to provide all documents that they intend to rely upon as proof should this action end up in a court of competent jurisdiction. They havent provided EVIDENCE to prove this accounts accuracy. I ask that they close the account, remove the item from my credit reports, and do not resell it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM TIRED OF GOING BACK AND FORTH WITH YOU AND THE CREDITORS WITHOUT RESOLUTION OR PROOF OF VERIFICATION! THIS IS YOUR LAST CHANCE TO CORRECT AND COMPLY BEFORE LITIGATION! 

I recently sent a request to reinvestigate the information previously disputed. The computer-generated response I received is unacceptable and I have lost patience. Your unlawful conduct and willful neglect has caused me a lot of stress and financial harm, including out of pocket costsexpenses, and loss of personal credit opportunities. 

It appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Which is a violation of FCRA 15 USC 1681 ( e ) ( b ) Compliance procedures-Accuracy of Report. I have attached an audited report from XX/XX/XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : UPDATE XX/XX/XXXX TO PAID ON TIME Provide Method of Verification and Procedure used Never received statement of late Never Paid Late XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Inaccurate Payment History Misrepresenting the date of status and date of last activity resulting in the account being re-aged Failure to conduct a reasonable investigation of direct dispute from me, including a review of all relevant information provided by me ( 12 CFR 1022.43 ( e ) ( 1 ) and ( 2 ) ). 

XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reasons : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Reporting past due amount on a collection/charge off. 
Misrepresenting the date of status and date of last activity resulting in the account being re-aged. 
Credit limit and High Credit Amount Incorrect Failing to report a previously disputed account as disputed to the credit reporting agencies Failure to conduct a reasonable investigation of direct dispute from me, including a review of all relevant information provided by me ( 12 CFR 1022.43 ( e ) ( 1 ) and ( 2 ) ). 


XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Reasons : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Reporting past due amount on a collection/charge off. 
Misrepresenting the date of status and date of last activity resulting in the account being re-aged. 
Failure to conduct a reasonable investigation of direct dispute from me, including a review of all relevant information provided by me ( 12 CFR 1022.43 ( e ) ( 1 ) and ( 2 ) ). 

XXXX  Date Opened : XX/XX/XXXX Balance : {$3800.00} Reasons : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Date Opened Inaccurate Reporting past due amount on a collection/charge off. 
Misrepresenting the date of status and date of last activity resulting in the account being re-aged. 
Failure to conduct a reasonable investigation of direct dispute from me, including a review of all relevant information provided by me ( 12 CFR 1022.43 ( e ) ( 1 ) and ( 2 ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help