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

Dear Sir/Madam, I am writing to formally request your assistance in addressing an issue related to an account reported by JPMCB Card Services . The account was opened on XX/XX/year>, and is currently being reported on my credit profile. I believe this account is inaccurate, and I am requesting its immediate removal from all three major credit reporting agenciesEquifax, XXXX, and XXXX. 

The primary reason for my request is that I was not of legal age at the time the account was opened. As I was under the age required by law to enter into such agreements, this account should not have been established in my name. Furthermore, despite my attempts to resolve this issue directly with JPMCB Card Services, they have refused to remove the account from my credit file. 

According to the Fair Credit Reporting Act ( FCRA ), any information reported on my credit file must be both accurate and timely. Since this account does not meet these standards, it constitutes a violation of the FCRA, which requires that any outdated or incorrect information be promptly corrected or removed. 

Additionally, as per the FCRAs seven-year rule, accounts should be removed from credit reports after XXXX years. As the account was opened in XX/XX/year>, it has now been more than XXXX years, and should no longer be reported.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX Inquired on XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized items the items were not authorized. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is not reporting correctly on my credit report. 

XXXX XXXX XXXX XXXX XXXX Different addresses that does not belong to me are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Diversified Adjustment sent harassing letter alleging a false debt. I let them know that no debt existed and demanded they validate it. In addition, I gave my USPS mailing address as the means to contact me about it.

https : //www.diversifiedadjustment.com Diversified Adjustment made no communication regarding their intent to harass me and list a false or alleged debt, no validation causing intentional and undue emotional distress.

Upon removal within 48 hours, they may send a discounted payment to my mailing address for {$470.00}.

Diversified Adjustment sent this and/or similar info to credit agency or agencies : Collection AgencyDIVERSIFIED ADJUSTMENTS Original Creditor NameXXXX XXXX Date AssignedXX/XX/XXXX Original Amount Owed {$310.00} Amount {$310.00} Status DateXX/XX/XXXX StatusUNPAID CommentsXXXX Balance DateXX/XX/XXXX Account Designator CodeINDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor ClassificationXXXX  Last Payment Date Date of First DelinquencyXX/XX/XXXX ContactDIVERSIFIED ADJUSTMENTS XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX
Product: Mortgage

Trying to get VA XXXX MODIFICATION talk to VA REP XXXX XXXX said will approve see letter, WELLSFARGO WORST BANK as a veteran and being discriminated against since im XXXX XXXX know many who have been approved!
Product: Credit reporting or other personal consumer reports

XXXX Equifax and XXXX Is continually reporting false information ony credit report. These XXXX reporting is not my debt I have disputes these accounts several times and they are still showing up on my credit report it have been over 30 days and they still there. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX None of these belong to me I have never had account with these company neither owe them money. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally This account was handled by  XXXX   XXXX   XXXX   XXXX   XXXX , in  XX/XX/XXXX , at some point it was transferred to the     XXXX   XXXX   XXXX    /  XXXX    XXXX   XXXX   XXXX  and was in deferred status but  XXXX  says that it was not in deferred status i n  XX/XX/XXXX ,  XX/XX/XXXX  an d that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am  XXXX  of a small  XXXX , and have been working in and around the   XXXX   XXXX   XXXX   for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since  XX/XX/XXXX . Forward to   XX/XX/XXXX  t he old account has been closed and a new account has been opened and is being paid to a new company called  XXXX   XXXX   XXXX   XXXX , but the old account is still showing as derogatory and says to contac t Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my  XXXX , Equifax and  XXXX  credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my  XXXX  Report after a Hard Pull.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX, XXXX due to their inaccurate reporting of an account I noticed on my credit report on XX/XX/2024, and the failure of XXXX XXXX to provide proper notification of any account transfer, sale, or name change as required by law. This issue has caused significant harm to my credit scorXXXX and created confusion regarding where I should be making payments. The last time I paid for a credit report was in XX/XX/2024 when a company by the name of XXXX XXXX XXXX was reporting to Experian, and that information was inaccurate. The company that I make payments to is XXXX XXXX as it is documented on my bank statements. 

Details of the Complaint : 1. Inaccurate Reporting : A company named XXXX XXXX XXXX XXXX has appeared on my credit report, yet I have no prior dealings with this company. I have been making payments to a different company, and no valid documentation has been provided to me regarding any sale, transfer, or assignment of this loan. 
XXXX. Failure to Provide Proper Notification : Under 15 USC 1641 ( g ) of the Truth in Lending Act ( TILA ), a creditor is required to notify the borrower in writing within 30 days when a loan is sold, transferred, or assigned. I have not received any such notification from XXXX XXXX, XXXX or any other party. 
XXXX. Failure to Notify of Servicing Transfer : If the servicing of the loan has been transferred, under the Real Estate Settlement Procedures Act ( RESPA ), both the previous and new servicer are required to notify me in writing of this transfer. I have not received any notice about the change of servicing rights. 
XXXX. Inaccurate Credit Reporting : Under 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure maximum possible accuracy in reporting. The information provided by XXXX XXXX, XXXX is inaccurate and unverifiable, as I have not been informed of any change to my account and continue making payments to the previous servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts Nelnet LNS. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Product: Debt collection

Upon checking my credit report I discovered a debt collection from Penn Credit Corp. for {$160.00}. This was for utility services from XXXX XXXX XXXX XXXX. Someone applied for these services using my name and social security number fraudulently. I contacted the credit company and they sent a bill of collection asking for a police report and documentation that these charges were not mine. This report is one of the documents.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent account from my credit report. I am a victim of a data breach, and this account does not belong to me. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to have this fraudulent account removed as it is the result of identity theft. 
Fraudulent Account : XXXX XXXXXXXX XXXX  - XXXX - XX/XX/year> - {$3800.00}
Product: Credit card or prepaid card

My XXXX year old mother recently passed away. As the executrix of her will, I am SHOCKED at the fact that she had 21 credit cards at XXXX years old and on fixed income. While I completely understand her responsibility in this situation, I am absolutely APPALLED that the credit card industry - and in particular some of her creditors including this Synchrony Bank - saw no problem with issuing multiple credit cards to someone in that financial situation. Where is the accountability? Where are the controls? Do they even bother to run a debt to income ratio to see whether the customer can afford yet another minimum payment? Even if you assume all the cards are small enough to only have minimum payments of {$25.00} ( which was not the case here ), that is over {$500.00} per month for someone on fixed income. And God knows what the interest rates were on all these accounts. 

Now, as executrix of her estate, I am getting collection letters from a recovery agency. At the interest rates these lower level card providers like Synchrony charge, my mother has likely paid hundreds if not thousands of dollars more than borrowed. And they are trying to bully her heirs into paying them more. If you are giving multiple cards to someone that can't afford them, you really ought to take the loss and move on, rather than further torture the family, don't you think? You took a risk - a bad one - by issuing all these cards to someone vulnerable that couldn't pay them all back comfortably. She had a problem - and this company ( SYNCHRONY ) and many others took advantage of her vulnerability. And oh, by the way, she died from a massive GI bleed - likely brought on by STRESS. Gee, I wonder if the fact that she didn't have enough money to pay for food because of these reckless card companies practices had anything to do with that stress? 

These companies need to be held accountable. I work in this industry and we always talk about the elderly and vulnerable being taken advantage of by individuals - who is saving them from the likes of Synchrony bank?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to submit a complaint regarding fraudulent accounts listed on my credit reports provided by TransUnion, XXXX, and XXXX. Over the past several months, I have discovered unauthorized accounts on my credit profile which I believe are the result of identity theft or fraud. 
I have repeatedly contacted [ TransUnion, XXXX, and XXXX ] from XX/XX/XXXX to XX/XX/XXXX to dispute these accounts and requested their immediate removal. Despite providing sufficient evidence and following the necessary procedures, I have either received no response or inadequate responses, and the fraudulent information remains on my credit report. 
The presence of these fraudulent accounts has severely impacted my credit score and has caused significant distress due to the potential for long-term financial harm. 
I am demanding that the following fraud accounts be removed from my credit profile without further delay : XXXX XXXX XXXXXXXX XXXX XXXX / XXXX XXXX
Product: Vehicle loan or lease

GM FINANCIAL did not properly report my vehicle loan account to the credit reporting agencies. The last reporting date was XX/XX/XXXX. I have made payments all the way until XX/XX/XXXX when I paid the loan off in full. 

I contacted GM financial, but they can not tell me why my account hasnt been properly reported. 

As to date, my GM financial account is still showing open and active even though it has been paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems have removed the negative accounts from my report due to identity theft but they have left all of the inquires on my file that were from the identity theft. Which is causing me to have a high risk score and causing me not to be able to obtain a checking account.
Product: Credit card

I made a payment to LEXUS PURSUITS VISA BY COMENITY BANK ON XX/XX/XXXX USING XXXX  XXXX XXXX electronic payment system. XXXX XXXXXXXX XXXX has confirmation number, transaction number and a debit number where Lexus Pursuits visa by Comenity Bank received. As of XXXX XXXX, Comeity bank says they do not have my payment and I am being charged late fees and interest on the payment. 
I had a conference call on XX/XX/XXXX with XXXX  XXXX XXXX, Comenity bank Rep and the rep went round and round. XXXX  XXXX XXXX states that Comenity bank refused my payment and returned. In Conferrence call XXXX  XXXX XXXX offered to send documentation where it was paid with all the confrimation transactions numbers but the comenity rep refused to take. His response was why do I need this info since you say payment was refused. Comenity is charging me late fees and interest now since they say I did not make any payment yet payment was made and refused and they Do NOT Want and documentation from XXXX  XXXX XXXX showing they were paid. The issue is comenity can offer no reason why payment was refused. I no longer have {$1000.00} that I have paid in my bank or on the comenity credit card. Someone in the Bank has STOLEN my money and with the low level and belligerent reponses with the oversea CSR something illegal is going on
Product: Credit card or prepaid card

I closed my credit card with Comenity Bank ( XXXX XXXX XXXX ) in XXXX and paid the balance off in full. I overpaid b {$110.00} and was issued a refund check from the company for the overpayment. 

However, on XX/XX/XXXX the company charged me {$40.00} in finance charges on the closed, fully-satisfied, XXXX-balance account. Then on XX/XX/XXXX, Comenity  Bank charged me {$4.00} in " minimum finance charges '', again on a closed, fully-satisfied, XXXX-balance account. 

I made a payment of {$44.00} for XXXX and XXXX finance charges on XX/XX/2019 to avoid further charges and / or late fees while trying to settle this issue. I paid this before the due date and, again, this was on an account that had been closed, paid off, and even a refund check issued for overpayment, over two months prior. 

I just received another bill for {$4.00} " minimum finance charges '' that were charged to my closed, fully-satisfied, XXXX-balance account onXX/XX/2019. 

Apparently, Comenity Bank intends to post fraudulent finance charges to my account indefinitely. I need for them to issue a refund for the {$44.00} that has already been paid, cancel the new charges and never charge this closed, fully-satisfied, XXXX-balance account ever again. The account has been closed for three months. Nothing is owed. Nothing has been owed except for the {$110.00} that they owed me for paying TOO MUCH on my account balance and now the {$44.00} that they owe me for payment for finance charges that should have never been assessed.
Product: Debt collection

A company by the name of AR Resources Inc. of XXXX XXXX, PA. has put 3 " unpaid collection '' line items on my CBR, out of the blue.! I have never spoken to this company regarding anything, or received any phone calls or messages from them, or anyone about a supposed bill I've never paid, until they posted three unpaid debt collections on my CBR two months ago. Never.! When I called them ( several times beginning in  XX/XX/XXXX ) stating they have made a mistake about some debt I owed, they stated they would send me a bill from an emergency room visit in XX/XX/XXXX. ( I haven't been to an emergency room in 40 years ). So after asking me to wait for 30 days, they never sent me anything. I called them again, and they said they would mail me the supposed bill again, and to wait for 30 more days, again. The lady stated that since I didn't have any medical insurance, that is why I'm being charged and I have to pay. I told her I've had medical insurance with the same company I've worked for for the last 30 years. She seemed surprised and took the insurance information, and said not to worry, she would submit the bill to my insurance company. No word, no bill, no nothing, so 35 days later I called again, and was told that they sent the claim to my insurance company and that's all they could do. I then asked why have they listed this one " bad bill '' of {$650.00} on my CBR report as three separate items.? She said she didn't know why it's listed three times on my CBR, and she could not help me fix it. I said ; you put it on, why can't you take two off while this is being researched and resolved, leaving the one item/bill.? She said to write the CBR companies, if it appears more than once.! Wow ... I called my medical insurance company today, and they stated that the " bill '' is way past any normal time limit of one year for them to consider paying it. I asked the insurance company to please double check and see if this bill that is supposedly mine, was ever submitted at any time before. The lady clearly stated, it has never been submitted to my account before. Please help me to get this incorrect, almost 2 year old medical bill off of my CBR's..! These three bad marks for unpaid collection debt first appeared on my CBR on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a copy of my credit history report from Bureau. That Report contained incorrect information reported by Credit Bureau. 
I contacted the - customer service department of XXXX XXXX  XXXX to request deletion of this inaccurate data from my Credit History Report. After a thorough verification with the bank I been told by one of the agent that I was never late on my account and they will correct the error. Here is my ID number I was provided by conversation over the phone XXXX. They insist that your company claims this information to be accurately reported. 


XXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
This negative mark is damaging to my credit. Please remove immediately incorrect information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and discoved several accounts that do not belong to me. I have listed the fraudulent accounts below XXXX - XXXX Dept of the threasury XXXX First XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following information does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Thank you for taking this dispute and providing a service to the community. 

I am complaining about Professional Bureau of Collections of Maryland. 

The bottom line is that I disputed the validity of a collection they are placing on my credit report on XX/XX/XXXX. It is for a XXXX  XXXX account. I know I don't owe them money so I asked for an itemization and other proof of debt. What I received was " validation of debt '' paperwork for a XXXX XXXX. I have no kin by the name of XXXX XXXX. This bill is not for me and Professional Bureau of Collections of Maryland as well as XXXX XXXX have failed to prove I have an obligation or a debt owed. 

My husband called the collection agency today and first was hung up on. He then called again and spoke to a manager named XXXX XXXX. The conversation took 30 minutes so I will emphasize the main points and the reason for my complaint. 

XXXX states the dispute was received XX/XX/XXXX. That is 55 days ago. 

Itemization or validity of debt was not provided in 30 days yet collection activities have continued. Furthermore, this account is still on my credit report even though the collector admitted the paperwork is for another individual. 

XXXX wanted more time to get paperwork on this account even though 55 days have passed since they received notification that this debt was disputed and proof of debt was required. 

After a heated conversation, XXXX stated she would e-mail her general manager to remove this from my credit report but refused to send me a letter or an e-mail or pretty much anything to prove she was taking that action. Because the proper steps to ensure validity of this debt have not been taken, and the heavy resistance to get her to comply with the F.D.C.P.A. was portrayed by her, I can no longer take her or her company 's word that the proper steps for the removal of this account will be taken either. Hence why I am filing this complaint. 

One thing I would like to point out. I do not owe this debt, but even if I did, because XXXX XXXX as well as Professional Bureau of Collections of Maryland didn't bill me properly or provide me with correct paperwork when required by law, and definitely not in a timely fashion, how can they claim that I even owe this money or that I was billed for this properly when I was an active client of XXXX  XXXX or that the proper collection procedures were taken for this purported account? At this point even if it was a legitimate account, their gross mishandling of this account would make it so XXXX XXXX as well as their collection agency is attempting to collect this with unclean hands. I demand this be removed from my credit report immediately and that this account be cancelled back to XXXX XXXX as not collectible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020 I received my paid in full letter after paying off accounts. XXXX XXXX  and XXXX XXXX  XXXX. However, upon notifying creditor Experian, they did not update the amount paid for XXXX XXXX  nor did they report XXXX balance. Leaving my credit to ratio debt at 165 % usage.