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

I looked at my report back on XX/XX/year> and again XX/XX/year> and noticed some things are still 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. 
These accounts XXXX XXXX and XXXX XXXX XXXX XXXX are not complete and accurate. They sent me investigation statement back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re investigation 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 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 re investigation ; and ( ii ) promptly notify the furnish-er of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either and according to 15 USC 1681s-2 they are supposed 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 card

XXXX ( and XXXX, and XXXX, same company that uses different names ) is a XXXX company running scam ads on XXXX. I have complained to XXXX and they make all kinds of promises, but the ads are still there. This company goes by multiple different names. I placed another order with XXXX  and this is how I found out it is the same company. 

Anyway, on XX/XX/XXXX I placed an order with XXXX for {$35.00}. On XX/XX/XXXX, I placed a small order for {$29.00} with XXXX. I received marketing emails trying to get me to purchase more. At the time, they operated on these websites : XXXX XXXX XXXX, which I accessed through ads found on XXXX. I never received either order I placed so I sent an email asking about my orders ( same company so one email ). They claimed I received it. I didn't. They sent a tracking number but when I checked the tracking, there was no identifying information on it proving it was my package. Then they sent me a snip of a confirmation delivery which had no identifying information, like my name or address. I called them out and said this was a bogus receipt as it did not have my information on it. They kept making promises so I called my credit card company, Citibank Mastercard. 

At first, they refunded me both transactions. Then they demanded proof, so I sent what I had. They denied my claim, even though there is no proof of delivery, so I am XXXX. I sent Citi snips from all the websites that have given this vendor a scam rating/warning, but Citi certainly isn't going to let that be a factor. I have never received anything for either order and Citi refuses to protect my fraudulent purchases, even though they promise that they do. How can they deny my claims if there is no legitimate proof of delivery?
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on my account on XX/XX/2020 and my last payment XX/XX/2020 and this company is stating I was 34 days late, which is absolutely false. I spoke with a representative XX/XX/2020 and he confirmed two payments for XXXX and XXXX, and also stated my account would be updated to reflect no late payments within 24-48 hours with the credit bureaus. That is currently not the case and now Im being told it could take 30-45 days to update. Im in the middle of obtaining loans and its their fault my report is displaying incorrectly. So I would like my accounts updated immediately with the credit bureaus. Not 30-45 days from now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened XXXX. XXXX, XXXX, Balance {$43000.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXXXXXX XXXX ( Date Opened XXXX. XXXX, XXXX, Credit limit {$200.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I was XXXX and my credit profile was used by people in my family, when I was XXXX I finally got my things together and was able to get into XXXX XXXX and seen a number of things I did not do or sign up for.
Product: Credit reporting or other personal consumer reports

i just went to experian website and uploaded dociments again to them about the inquiries and the collection along wth the complaint report i filed with you
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent dispute letters to Equifax, XXXX, and XXXX - requesting the verification of several inaccurate accounts reporting in my credit reports. I also sent a request for debt validation to XXXX XXXX XXXX for a collection appearing in my credit reports that I am not aware of. In XXXX, XXXX sent me the dispute results showing that XXXX accounts have been removed from my XXXX report but, as of today ( XX/XX/year> ) Equifax, XXXX, and XXXX XXXX XXXX have not responded. This is a clear violation of the XXXX days these companies have to complete my dispute requests in accordance with the FCRA and the XXXX days that XXXX XXXX XXXX has to complete and respond to my request for debt validation documents per the FDCPA.
Product: Credit reporting or other personal consumer reports

I have been an Elan Financial Credit card member since XX/XX/year>. I have a XXXX credit card limit and never missed a payment since now in XXXX as they reported. I have never had an issue with this small obligation monthly compared to my bigger debts. 
The month of XXXX was a very volatile month for me and my family, I had to pay a XXXX debt off, then a XXXX debt off in XXXX. 
Also, My personal accounts were getting excessive charges and fees that I had to investigate and get under control with my banks. My elan Credit card autopay must've returned back while processing while I was advised from my banks to freeze card for a periodic time. 
I did not know it would cause me to get a 30DAY LATE PAYMENT Inquiry on my report, it was never my intention to not pay a XXXX $ monthly obligation. 
Once i noticed my credit report was affected in XXXX I sent a letter to ELAN FINANCIAL Explaining it was an error and to have the inquiry removed or updated to PAID AS AGREED. 

My BANK DID TAKE THE MONTHLY PAYMENT FOR ELAN BUT IT MUST'VE REJECTED WHILE PROCESSING WHILE ADVISED TO FREEZE ACCOUNTS PERIODICALLY. 
THIS ISSUE IS EFFECTING ME AND MY FAMILY CLOSING UNDER CONTRACT AND I AM ASKING TO BE FORGAVE AND TO GET THIS REMOVED ASAP FROM MY CREDIT REPORT OR UPDATED TO PAID AS AGREED PLEASE. 

I HAVE ALSO PAID MORE OF THE BALANCE DOWN TO SHOW GOOD FAITH OF LIFE AND THINGS HAPPEN BUT MY INTENTIONS WEREN'T BAD. I NEED THIS OFF MY REPORT TO FINISH MY VA HOME LOAN PROCESS PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit card or prepaid card

As part of a process of getting my financial life under control, I have been cleaning-up my credit card situation. Due to my wife attending XXXX school and being unable to work full-time for two years, and my attending XXXX school ( twice ), the credit card debt of both myself and my wife has ballooned. For a year, now, weve been making payments and getting nowhere. This is why I decided to take action. 

All of my other credit card issuers have complied with my request : close my account, lower my interest rate, and put my account on a repayment plan that will see the card paid-off within five years ( with a monthly payment that is no more than at-present ). Those who have complied include XXXX XXXX, XXXX, and XXXX XXXX. The only institution refusing to comply, and has made even the process of making such a request difficult, is TD Bank. 

As the recorded phonecalls show, I made a request by telephone ( the only way youre allowed to contact TD Bank for Credit Card Services ) through a Supervisor, approximately two weeks ago, to what is apparently called the Forbearance Department ( or Team ). The Supervisor said she saw no reason why I wouldnt be approved and that I would receive a call within three business days. 

I received no call. When I called back, I had to speak to 5+ people to even get an answer and the answer was ludicrous : because my account is current, not only will they not place me in the repayment program like I asked, but they will also not close my account. This, as I noted on the call, is penalizing a financially responsible individual for being both current on their account and attempting to take preventative action. 

Further, as I noted on my original call approximately two weeks ago, this TD Bank credit card is not one that I asked for : I previously had a credit card with XXXX XXXX, which was transferred and/or sold to TD Bank. Although I received notice of this action, I did not provide my consent to become a credit card customer of TD Bank, nor did I receive an option to close my account instead of accept the transfer. 

What I am asking for is reasonable, simple, and responsible : TD Bank must close my account, lower my interest rate, and set me on a payment plan that will see my account paid-off in no more than 5 years ( with a monthly payment no greater than at present ). This is necessary, since my current minimum monthly payment is hovering near $ XXXX/mth, with approximately $ XXXX/mth of accrued interest. 

TD Banks failure to cooperate with a request that is in my best interest, rather than theirs, is unacceptable profiteering on the back of a XXXX/XXXX XXXX, a XXXX XXXX, and an individual who is seeking to take control of their finances. Since I am making hundreds of dollars in payments each month to credit cards, it is extremely important that TD Bank complies with my request, in order for me to be able to live on my XXXX/XXXX XXXX salary.
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates the removal of any incorrect accounts from my credit report. Can you verify the documents, as some of the listed accounts are inaccurately reported?
Product: Credit reporting or other personal consumer reports

I purchased this car from XXXX XXXX XX/XX/year>, Wrong balance amount, This company remove all my good payment history. My warranty expires after three of purchase .This company is reporting false information on my consumer credit report and also is damaging my name. I will like for this account to be remove from my XXXX and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have requested multiple times for this account XXXX to be investigated properly with the original creditor and I'll I get is a response that the " data furnisher '' has verified the account. Yet the account being reported does not have any information on who the creditor is? Contact information? On some of my request I have asked who and how the account was verified to make sure it was not dont through what is known as the XXXX system or similar to it which does not constitute proper validation. I have also requested if the Reporting Agency XXXX  has HIPPA release to hold such information since it is a medical account and again have failed to provide such, I will also follow a complaint with HHS.gov
Product: Debt collection

I received a notice from .IC. Systems, Inc. stating the XXXX XXXX - XXXX had turned over my account for collection ( # XXXX ). However, I do not have an account with that XXXX so I called them ( XXXX ) and asked for the Fraud Dept. The person I spoke to said that they did not have a Fraud Dept., but should fill out a form on their website. When I went there, one of the first things it asked for was my SSN, Therefore, I left the website and went to the IC System to see what they had. There was a form to fill out for them ( that looked similar to the XXXX XXXX ), asking for my SSN near the beginning. I did not look any further on either form, and decided to contact you instead. They state that I owe {$240.00} ( Principal due : {$190.00} and Collection Charge of {$48.00} ). 

The address of the IC System is : XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 
Their Toll-free # is XXXX. 
Their " Pay Online '' is XXXX Thank you for any help you can provide in stopping them from trying to scam other senior citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have knowlege of this accounts and i want them to be removed from my credit. These are the accounts : 1. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Trans Union has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information in my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Trans Union, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Trans Union has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Trans Unions inaction violates Federal Law and my rights as a consumer.
Product: Student loan

The company sent information stating my loans have been forgiven and is set to a XXXX balance. They have also sent other information after stating I owe a payment and it is still reporting on my credit reports. 
SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian has been doing nothing despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victim of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions but filing a lawsuit against the Credit Bureaus and sue them for the damaged taken due to theyre incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. I reported the theft of my identity to the Federal TradeCommission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report and the Police Report that I have filed on my local police department. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them to remove the following items completely from my Credit Report at the earliest possible time : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me, The following alleged account is listed as a collection with PAST DUE balance of XXXX under account name of XXXX XXXX XXXX, this is a violation the FCRA and XXXX XXXX compliance reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 AN INQUIRY WAS PLACED IN MY CREDIT REPORT BY COASTAL CREDIT I DID NOT AUTHORIZE THIS COMPANY TO RUN MY CREDIT REPORT I AM A VICTIM OF IDENTITY THEFT AND A FRAUD ALERT HAS BEEN PLACE ON MY ACCOUNT
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, + 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. 
Please remove the following items from my credit report, immediately : DIVERSIFIED ADJUSTMENT SERVICE , INC .
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX )  : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: name and address not mine XXXX
XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, CO
XXXX XXXX XXXX XXXX XXXX CO XXXX

XXXX XXXX XXXX XXXX, CO
XXXX  
FCRA Violation: credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 4th endeavors 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 extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$30000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>