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

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/23 I call Experian and asked the representative have they receive my information stating proof that the bankruptcy dont belong to me the company first Told Yea they have the letter from XXXX XXXX XXXX XXXX XXXX the reporting agency that reported the information to Experian XXXX company, Experian XXXX me that that wasnt enough information to get them to remove the bankruptcy from my account I asked them to get an a little bit more details the representative told me that the XXXX XXXX them to leave the bankruptcy on my profil and that it should not be removed because the bankruptcy belongs to my father. I sent all the information that was needed to experience. XXXX also uploading documents showing you guys information that I report it to Experian. Theyre violating my rights in so many ways first off by lien XXXX other companies. And my constitutional rights I was also told that they can not verify any information on me. I sent a copy of my ID, Social Security card and address theres no way but when I called the Phone, they verify my information XXXX confused, XXXX asking the XXXX to help me get this removed from Experian
Product: Debt collection

On XXXX  I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Federal Trade Commission FTC XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX XXXX Equifax Information Services Dear FTC I am writing to formally file a complaint against Equifax Information Services for multiple violations of the Fair Credit Reporting Act and for infringing upon my privacy rights My specific concern involves inaccurate information that Equifax has furnished regarding my account with XXXX XXXX XXXX XXXX which ends in XXXX Despite disputing this inaccurate account for over XXXX years Equifax continues to assert that this account is verified which is untrue I have confirmed with XXXX XXXX XXXX  that my information has been opted out of sharing with non affiliated third party companies This means that Equifax should not have any basis to verify this account as accurate For your reference you may contact XXXX XXXX XXXX  at XXXX to confirm this information In addition I am including a transcript of my conversation with XXXX XXXX XXXX  regarding this matter, as well as all correspondence from Equifax that demonstrates their stall tactics and claims of being unable to locate my credit file The violations I am reporting include but are not limited to Furnishing inaccurate information Failing to conduct a reasonable investigation into my disputes Infringing on my privacy rights under the Fair Credit Reporting Act Given the severity of these violations I request that this inaccurate account be removed from my credit report immediately EQUIFAX COMMITTED IDENTITY THEFT Identity theft is a crime that occurs when someone uses another person s personal information without their permission This information can include names addresses, credit card numbers, Social Security numbers and bank account numbers Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are accounts on my credit report that I have no knowledge of and need them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/XXXX and XXXX, 2022 here are my tracking numbers # XXXX and XXXX to remove inaccurate personal, financial, and late payments information that I don't want on my credit report and I would like the accounts deleted and removed off my credit reports. According to the fair credit reporting act 15 USC 1681 ( a ) and 15 USC 1692 ( a ). I have the right to privacy.

Also according to 15 USC 6802 ( a ), ( e ) 5, no financial institution is supposed to share my information with third-party people. 
The credit bureaus removed it and re-adding it After the first complaint I submitted and issued it back on my credit reports These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$21000.00}
Product: Credit reporting or other personal consumer reports

I disputed personal information incorrect address and name on my credit report to reflect the correct information on my drivers license. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see attached drivers license! 

The credit bureaus refuse to correct this information several times! They incorrectly updated it 5 or more times. Also, at one point deleted my address completely off my credit profile. This is cause extreme stress and XXXX. Also, XXXX due to inability to obtain credit. I am going to seek legal counsel soon and sue for emotional and financial damages for {$500000.00} This is cause extreme distress.
Product: Credit reporting or other personal consumer reports

I was not provided the services promised that was to be included in the cost of the product. The company went XXXX  and closed and is now reporting on my credit.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX 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 60 days 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.

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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidenitiality under 15 USC 1681 sec.602 A, states, I have the right to privacy.

15 USC 1681 sec. 604 sec. 2, states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 USC 1681 sec. 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. 
Account name : XXXX XXXX, Account no. XXXX, Account name : XXXX XXXX XXXX, Account no. XXXX
Product: Credit reporting or other personal consumer reports

First and foremost, I assert that my right to privacy is of utmost importance, and I am enforcing this right through this dispute letter. In accordance with 15 U.S. Code 1681 ( a ) ( 4 ), you bear the responsibility to act with fairness, impartiality, and respect for consumers privacy. I am exercising this right under the stated code and expect that the information in this letter will be treated with the highest standards of fairness, impartiality, and respect for my privacy.

Furthermore, under 15 U.S. Code 1681b, which pertains to permissible purpose, I have never provided this company with any such permission. Therefore, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it is harming my reputation, character, creditworthiness, standing, and capacity. Given your obligation to safeguard my privacy, I require that this issue be resolved with the highest level of urgency. 

XXXX XXXX XXXX
Product: Mortgage

SECU HELOC Account : XXXX email sent to the corporate office requesting that the negative remark : discharged through XXXX XXXX be removed. This HELOC was paid in full XX/XX/XXXX by XXXX XXXX as a XXXX. This HELOC was never part of the XXXX. All payments were made on time and in full to SECU directly. The comment stating it was discharged via XXXX XXXXXXXX has a negative impact on my credit report. 

2.Request was made as early as XX/XX/XXXX for a payoff letter ; the lender ignored all requests for this documentation. 

3.Request was made that SECU remove the negative comment re : XXXX XXXX discharge from credit report. Last email on XX/XX/XXXX with XXXX XXXX XXXX, XXXX, CC : XXXX XXXX, Member Resolution Specialist XXXX XXXX stated the issues were being investigated. 

4. Follow up email was sent on XX/XX/XXXX requesting again a payoff letter be sent and the comment be removes as well as a full payment history for the HELOC. This request was ignored by SECU.

5. Note the letter sent from SECU does not specifically state the loan was paid off, only that it was intended to be paid off by the 3rd party lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for a credit card XX/XX/XXXX, my application was denied. XXXX revealed 10x student loan accounts opened with my name as a co-signer by my father XXXX XXXX. The debts amount to {$340000.00}, all dating back collectively to XXXX. I never authorized permission for my information to be used for any of these student loan accounts. Since XXXX, I have never received any phone calls/mail invoice regarding these accounts. 

I have managed to clear these fraudulent records from my XXXX  and XXXX reports. However, XXXX continues to report these accounts as accurate to Transunion. I have contacted XXXX, received their identity theft forms, and returned their requested notarized documentation late XXXX. I have not received any confirmation the requested documents were ever received during subsequent phone call correspondence. 

SPECIFIC ISSUES : My SSN does not bring up the fraudulent accounts with XXXX. I could only utilize my fathers information to reveal the accounts when on the phone with XXXX. 
Transunion website issues preventing convenient access to dispute status.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX Last 4 of : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ) In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Account name : [ XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] has violated my richts. 
I looked at my [ XXXX ] credit report on [ XX/XX/year> ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX XXXX 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 verified, the consumer reporting agency shall- ( ) 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 ( li ) 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 or other personal consumer reports

In XX/XX/XXXX, a fraudulent account was opened with XXXX XXXX XXXX without my knowledge or consent. This unauthorized activity was first discovered by me in XX/XX/XXXX during a mortgage application. The account pertained to an auto lease valued at {$79000.00}, and it subsequently appeared on my credit report, negatively impacting my credit score and financial standing. 

Upon discovering the fraudulent activity, I immediately took proactive steps to address the issue : Filed an FTC Identity Theft Report : In XX/XX/XXXX, I filed an official report with the Federal Trade Commission ( FTC ) to document the identity theft, indicating that the information used to open the account was obtained and used without my authorization. 
Notified the Credit Bureaus : I alerted the major credit bureaus, including XXXX, XXXX, and Equifax, requesting the removal of the unauthorized inquiry and account from my credit reports to correct the inaccuracies stemming from this identity theft. 

These actions were taken to mitigate the damage caused by this incident and to prevent further misuse of my personal information. I am seeking the immediate removal of this fraudulent account from all records and assurance that measures are put in place to protect against future incidents of identity theft. 

The accounts and inquries that are the result of fraud are below ; Account : XXXX XXXX XXXX {$51000.00} Balance updated XX/XX/XXXX Original balance {$79000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX & XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my consumer report and I identified several accounts I did not consent to authorize, nor benefit from the furnishing of, on my consumer report. I have previously submitted a dispute and received no response. Please remove these accounts immediately.
Product: Credit card or prepaid card

Monday XX/XX/2020, I used my Walmart rewards card for a purchase and attempted to get cash back the card never offered a cash back option as usual it just processed the purchase as credit. I asked an associate who was working at self checkout was could their be a problem with the machine because I had just done cash back on another card she stated no we have just two machines here set up for cash back and thats one of them so I asked for a manager who checked out the machine and stated it was fine and told me I may want to contact the cardholder which I did so sitting it my car at the location spoke to a manager named XXXX at Capital one who stated Walmart has suspended cash back to all cardholders. I was very upset I asked how could they take this action without notification, I have never been late and has never missed a payment and most of the time I pay over the amount due, he said Im sorry this is not a decision of capital one we just manage their accounts and its nothing that can be done the decision was made to keep down the spread of coronavirus so members dont have to access the keypads which was an unacceptable answer to me. Next day I contacted Walmart Corporate Call center spoke with XXXX told her the issue who stated we know nothing about the suspension of cash back after doing research in their database I asked to speak with a manager, she then stated I was contacting my manager XXXX via email to see if she had an answer but she also stated they know nothing about this try contacting Capitol One Back. I contractually signed up for these features under the terms and conditions if a change was being made I should have been notified and agreed to it I have an exceptional payment history not only with this card but four others I have which can be proven I need something to be done, its not only an inconvenience it caused me an embarrassing situation in the Walmart location.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my report with Transunion that can not be disputed because their site doesn't function properly. I've had them cleared by XXXX   but TU is completely ignoring the complaints that their site isn't working. I've paid XXXX XXXX XXXX the full ( listed as Professional Finance ) {$140.00} and XXXX XXXX ( listed as XXXX  XXXX  ) {$130.00}. I closed my XXXX XXXX card myself and never was late ever. But I can't get any of it corrected.
Product: Checking or savings account

I had a XXXX balance on XX/XX/XXXX XX/XX/XXXX - Minus XXXX XX/XX/XXXX - Then charged for an overdraft fee ( put me in negative even though I should have had a positive balance of XXXX Then XXXX charge XXXX balance Charged another overdraft Refunded overdraft Balance should still be XXXX Charge of XXXX Balance should be XXXX Then charged another overdraft ( even though balance was in the positive. 
XX/XX/XXXX balance should be XXXX The pending charges that the bank charged overdraft fees on XX/XX/XXXX, one of the overdraft charges didnt post until XX/XX/XXXX which I had transferred money to help with the balance. So on XX/XX/XXXX, I transferred another {$30.00} which posted to my balance then the first pending charge of {$7.00} went through. So again I was in the positive nulling out the 1st overdraft fee charged on XX/XX/XXXX. Making my balance at {$26.00}. Then the 2nd overdraft fee charged on XX/XX/XXXX which also was nullified due to a positive balance for a charge of {$25.00} posted on XX/XX/XXXX. So my true ending balance would have been {$1.00}. I have a copy of the account and the charges. There shouldnt be an overdraft charge on a pending charge that posted 1 and 2 days in the future affecting my daily balance. I requested the XXXX overnight charges to be refunded due to a positive daily balance minus their future overdraft pending charges that posted 1 and 2 days later in which I still had a positive balance.
Product: Debt collection

I tried calling Tempoe LLC to find out what the collection for {$1000.00} on my credit report is but have been unsuccessful in getting the information. The debt is ruining my credit and I have no knowledge of what it is for. The number is automated and I cant get a live person to answer and help me.
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 items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my balance with Orion agreeing for deletion, I called today XX/XX/2020 to ask for a deletion and our agreement had changed that it was just a paid in full.