23daVinci/CFPB_Complaints huggingface dataset:
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted on my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( XXXX, Experian, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit was XXXX and now in the 600s due to an account that was removed from my credit report and was replaced on my report again on XX/XX/2022. This is a discriminatory act that is happening. I already have an attorney for XXXX that is reporting incorrect information. XXXX is being sued for this same reason of inaccurate reporting and causing consumer credit denial. I was denied credit today because of this attack on my credit. I will also be contacting my attorney in reference to this discrimination of TransUnion. This is sickening and unjust. The account that was removed and now have appeared again is XXXX XXXX. This proves that the credit bureaus are as much as responsible for incorrect reporting. TransUnion should have reviewed my account history and saw this account was removed and therefore not replace on credit again. This is definitely another way of discriminating against individuals of other demographics. Do what they can to suppress others!!!! I will also be contacting the XXXX of XXXX. My voice and the voice of others who are experiencing this discrimination should be heard. This type of practice has went on for to long and need to be brought to the forefront.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As of XX/XX/XXXX I noticed on my XXXX credit report that accompany known as best egg that provides personal loans opened up to new personal accounts on my XXXX credit report which knocked my credit score down by XXXX  points. These best egg personal loan accounts were closed back in XXXX when I filed XXXX XXXX bankruptcy. Looking further on my credit report, these accounts are showed as being closed. Yet best egg went ahead and re-introduced them on my XXXX credit report showing them as open. This is absolutely false information and two years later they decide to put these two best egg personal loan accounts onto my XXXX credit report? No other account that I had closed due to my bankruptcy has done that. So two years later after early XXXX when the best egg accounts were included in my bankruptcy XXXX  XXXX and were closed all of a sudden now theyre re-adding them on my credit report as open? This is incorrect and unfortunate and has greatly harmed my credit score by dropping it XXXX points
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 confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX has violated my rights XXXX XXXX XXXX Account XXXX has violated my right XXXX Account XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

There are credit inquiries on my credit report that do not belong to me
Product: Debt or credit management

Experian the company has been harassing me for months now every time I try to cancel my account they make it to where I can not. I sent everything in to verify my identity multiple times. They still have not deleted my account. I have sent them all the info and request to delete my account to cancel all the digital checking and fraud will alerts I have 45 days still on my fraud alert. I do not mind that I went with a different company I want nothing to do with Experian anymore they are a horrible company there's something wrong with their support team. They sound like XXXX they most likely are. I've been trying for the longest to update info and cancel my account with them they make that very difficult and as soon as I sent the info into update my account I called them verified everything and went through the whole process again. They made sure that I was verified they said I was verified they escalated the situation and still they're asking me again to do the same thing over again. At some point it seems like it's just their support team is doing this to pretty much be criminals they're taking the data and selling it on the dark web instead of protecting you from they don't really monitor it they just make sure that they monitor themselves from getting caught by selling your data. All I wanted was to update my account they put me through XXXX I want nothing to do with experian anymore they are a horrible company. I sent my info through the mail fax I do not trust it but I did it and still again to this day after they said they updated everything they still want me to do it again I'm not sending my entire life information over again because some fake scam email their whole company is a scam. I can not stress how horrible they are. Do not trust them. Thank you be blessed
Product: Debt collection

I have never opened a credit card account with this company. This account was opened fraudulently. I have contacted them previously over the phone and told them. Please remove this.
Product: Credit reporting or other personal consumer reports

Over the course of several complaints, I have provided clear evidence that the account in question, originally issued by XXXX XXXX XXXX XXXX ( XXXX ) and later sold to XXXX XXXX XXXX, was fraudulent and has since been deleted. Despite this, XXXXXXXX XXXX  has continued to falsely certify the account as legitimate, misrepresenting the facts to both the credit bureaus and myself. 

XXXXXXXX XXXX knew that XXXX held the account, as they directed me to XXXX XXXX XXXX in their response, showing they were fully aware they no longer held the account. Despite this, XXXX Bank failed to confirm that XXXX had deleted the account, and instead continued to misrepresent the accounts legitimacy. This shows clear malicious intent on XXXX part, misleading the credit bureaus and allowing them to report fraudulent information. 

While the credit bureaus relied on XXXXXXXX XXXX false certifications, the responsibility now lies with them to correct the fraudulent reporting. Allys dishonesty has been exposed, and continuing to rely on their certifications will place the credit bureaus at serious legal and regulatory risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is continuing to report a fraudulent account to my XXXX  credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information to both them and XXXX  along with my 605b FCRA request to block this fraudulent information from my report. ( XXXX  and XXXX  have complied already ). 

Capital One is claiming they can not contact me which is a lie because they have all my information and also there should be no reason to contact me if they were in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, I requested a security freeze through the three credit agencies ( someone fraudulently tried to file my federal tax return ). While putting in an offer for a home, I contacted all three to temporarily lift the freeze so that we could get preapproved, Experian was fraught with issues. After providing all info accurately online, I received an error that I'd need to mail in my request ( 7-10 business days ). Their website didn't offer a phone number but I tracked one down, an entirely IVR based system, no humans, and again, the process couldn't be completed and I'd need to mail in the request. Unlike the other two agencies, they don't offer a single way to connect with a human ( I looked hard, there isn't one ). And, with their automated systems not functioning correctly, we might lose out on this house because there's no way to unfreeze my account in a timely manner.
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 Experian, XXXX, and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

My address is ( XXXX XXXX XXXX ) Please remove all the addresses from my report that are highlighted as they are not deliverable to me by the US post office, and they are not reportable as per the FCRA since they are inaccurate. 

My name is ( XXXX ) Please remove any other aliases. 

Please remove all phone numbers they do not belong to me.
Product: Mortgage

XXXX acquired our mortgage from XXXX XXXX in XX/XX/XXXX. We had auto bi-weekly payments set up through XXXX XXXX and that auto bi-weekly payment continued with XXXX. We had no issues with autopay until our payment that was due on XX/XX/XXXX. We made no changes to our auto payment options, but the XXXX system incorrectly applied all of the payments we made for XX/XX/XXXX entirely toward the mortgage principal. In our XXXX statement, we were surprised to see a late fee because {$0.00} was applied toward the interest portion of the mortgage for XXXX XXXX error caused by XXXX. 

Since the problem began in XX/XX/XXXX, we have received multiple late fees because of the error by XXXX. Despite months of back and forth with the XXXX customer service team ( calls to agents & supervisors made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to try to rectify the situation, the problem still persists. Every time we called we were assured that the problem would be fixed, that the late fees would stop appearing, and that our payments made through autopay would be correctly applied. 

As of today, XXXX has not resolved the problem with their system and continues to neglect our account. Compounding this problem, XXXX has also incorrectly reported that we made a late mortgage payment for the month of XXXX because they continue to misapply our on-time payments. This late payment now shows up on my credit report and has a substantial negative impact on my credit score and that of my partner. Every month we diligently pay the exact amount required via autopay, but XXXX has inappropriately flagged us as being delinquent. 

In summary, we want XXXX to promptly remove the late payment on our credit report and to address the problem with their payment system incorrectly applying our payments.
Product: Checking or savings account

I and the bank can not find physical, papers checks that were ever deposited in this account. I know there were as this was my only account.
Product: Debt collection

They keep calling for a XXXX XXXX which is not my name or anyone I know. They are calling to collect a bill from a hospital, they call very frequently and from different numbers after I block. I also receive a TON of spam calls and texts every day, I block all numbers and it seems like even more come the next day and I have been on the do not call list for over 2 years!
Product: Debt collection

I am writing to you once again regarding the fraudulent account that persists on my credit report despite multiple attempts to dispute it. It is unacceptable and infuriating that despite my repeated efforts to rectify this situation, the fraudulent account continues to tarnish my credit history. XXXX XXXX
Product: Debt collection

Account XXXX : XXXX I refuse to pay this debt or any other debt that you have in or associated with my name. 
Once again, I am informing you to cease all contact with me or anyone else about this claimed debt.
Product: Debt collection

someone has been going to the hospital under my identity, which is fraud. I also have active XX/XX/XXXXinsurance, and it is placed for collections.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, you must delete any incorrect accounts from my credit report. Could you examine the documents? Several accounts listed have reporting inaccuracies, including amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX BANK XXXX Date Opened XX/XX/2015 Balance {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached CEASE AND DESIST. I initially sent in XX/XX/2022. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 
Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
If you do not cease communication a lawsuit will be commenced against you.
Product: Credit card

I would like this Deleted from my recordits not fair reporting. I tried several times to pay and they kept blocking my account. Online and app payments were not being allowed. I had a few payments returned due to bank errors, payments were paid the same day they were returned but they still closed my account with no notification to me at all. Then I was able to make payments on the closed account ONE TIME before they locked me out online and on the app ( wasnt accepting payments ) then they charged the account off. Again now as a charge off without any notification to me. They did not even offer a settlement.
Product: Debt collection

Portfolio Recovery placed a lien on XXXX home. XXXX is deceased. The lien is related to a debt Portfolio Recovery purchased from XXXX XXXX XXXX. These credit card accounts do not appear as a trade line on XXXX credit report nor did they appear on any of her loan application for XXXX loans acquired AFTER these accounts were opened. XXXX XXXX is unable to provide ANY evidence that this debt belonged to XXXX XXXX i.e signed credit card application and credit card statements. XXXX was in her late XXXX at the time and had been XXXX. These lines of credit are totally inconsistent with her life long credit history. She NEVER was into credit cards. She was a miser and did not spend money frivolously or frequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and during that time two fraudulent loans were opened in my name from XXXX XXXX XXXX XXXX. One account was a personal loan Acct # XXXX opened XX/XX/XXXX and the other is an auto loan acct # XXXX opened XX/XX/XXXX. I have contacted XXXX XXXX XXXX XXXX to dispute these fraudulent accounts. I have also disputed these fraudulent accounts with XXXX  Transunion, and XXXX  but have yet to receive a reason why they have not been removed from my credit file. I have also sent them a police report and identity theft affidavit. This has gone on far too long. Please help to remove these fraudulent accounts from XXXX  Transunion and XXXX
Product: Credit card

I was in XXXX Florida. I lost my phone/stolen and visited Bank of America branch . I met with an XXXX in parking lot. I understood him to be completely attending the customer into the bank branch in XXXX XXXX and confronted a stranger. He apparently was acting some kind security. I attempted to get service at a branch in XXXX, Florida. I met with complete hostility by employee 's Bank of America. I guess I didnt speak XXXX. What is it about culture politics and banking. Florida, California, Arizona, New Jersey. are some of the culture politics and banking. Finance, transportation are area of business shouldnt be based on classism, ethnic background.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

PORTFOLIO RC XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$190.00}. The collection has been reported as passed balance due. I do not know this company. I never done business with this company. This company does not have any contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. I filed a report with the federal trade commission and let the credit bureaus and credit card company CBNA know and attached the report to my dispute. all but XXXX has not removed the cbna account from my report. I filed disputes attaching the FTC identity theft report and still its not been removed from XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXX XXXX  XXXX XXXX, Synchrony Bank/PayPal Credit , the above FINANCIAL INSTITUTIONS are subsequent reporting of this information to consumer reporting agencies. It has come to my attention that my personal and private financial information was disclosed to NON-AFFILIATED THIRD PARTIES ( XXXX XXXX XXXX ) without my consent which is a direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and constitutes non-compliance with the protections afforded to Nonpublic Personal Information ( NPI ) The GLBA mandates that financial institutions must safeguard customers ' personal and financial information and are prohibited from disclosing such information to third parties, including consumer reporting agencies, without explicit consent. I have not provided any authorization for the disclosure of my account closure to any consumer reporting agency, and I believe this action is a breach of the privacy protections I am entitled to under the law. 
I demand the immediate correction of this unauthorized disclosure of my PERSONAL FINANCIAL PRIVATE INFORMATION Please take the necessary steps to ensure that this information is not reported or is removed from any consumer reporting agency records. Additionally, I request a written confirmation that this corrective action has been completed.
Product: Debt collection

I've asked this company to stop contacting me via their online contact us form ( twice- most recent was yesterday ) and through physical mail ( mailed XX/XX/2019 ) and told them that they may contact me via email or mail ONLY. They repeatedly call me, my husband and my WORK EVERY DAY! even AFTER I told them not too!
Product: Credit reporting or other personal consumer reports

I recently tried to purchase a car where I noticed I had damages on my credit report and seen an account that I did not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is inaccurately reporting that I owe {$110.00} for a auto insurance after being a loyal paying customer for over XXXX  years. In XX/XX/2022, I switched insurance from XXXX to XXXX XXXX because XXXX has very poor customer service. XXXX violated by consumer protection rights by continuing to bill me even though I provided proof of insurance showing I was insured by XXXX XXXX as of XX/XX/2022. XXXX owes me a credit in the access of {$40.00} and never paid me. 

In XX/XX/2022, I received a letter from Caine & Weiner indicating I owed a debt. The debt collection company did not adhere to FCRA regulations and violated my consumer rights by failing to send me a 30 notice letter. In XX/XX/2022, received adverse credit reporting which dropped my score. I am in the process of buying house and my credit has been impacted even though I provided XXXX with my insurance Declaration Page three times.