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

I started noticing some inaccuracies on my credit report. Then I started sending letters to the companies and the credit bureaus but after about 6-8 frustrating months of sending letters and evidence of what was going on. I did not get any answers. Now I decided that I need to send a complaint to the Cfpb. 


So, over the last 6-12 months, I have been active in disputing XXXX/XXXX XXXX Account # XXXX XXXX/XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 


XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XX/XX/XXXX up until XX/XX/XXXX then charged off in XX/XX/XXXX but how can that be if the account was 150 days late in XX/XX/XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for trXXXX it says XX/XX/XXXX, for XXXX  says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX/XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 


Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.
Product: Credit reporting or other personal consumer reports

XXXX and EXPERIAN I XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., 609 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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
XXXX XXXX XXXX  XXXX account # XXXX Attorney General child support account # XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX  XXXX Hard inquiries.. 
XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX Are all unauthorized an have no Permissible use. 
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 a 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
. 
I can go on and on please validate an delete at once
Product: Credit reporting, credit repair services, or other personal consumer reports

FAIR COLLECTIONS & OUT Originally : XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.
Product: Debt collection

I am receiving repeated texts from Halstead Financial addressed to XXXX regarding her XXXX XXXX XXXX XXXX This is not me. My name is not XXXX and I do not have a XXXX XXXX XXXXXXXX. One of the texts said that XXXX has stopped making payments and that is why the matter was referred to a debt collector ( Halstead Financial. ) I am concerned that my telephone number is somehow attached to this matter. I do not want it to impact my credit rating. Also I have not called Halstead Financial directly as I am concerned this is somehow a scam. I am not sure how to handle this. I have tried to simply ignore it but the texts continue. Please advise me. Thank you.
Product: Credit card or prepaid card

I tried to sign up for a spending monitoring program and Capital One will not let me access my account through them
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 3 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
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, I sent a letter to the credit bureaus requesting an investigation on 5 accounts. Almost 60 days later, and none of them have responded. I have sent follow-up letters to inquire for the reason for the delay, and those have also gone unanswered.
Product: Credit reporting or other personal consumer reports

Good Evening CFPB, My name is XXXX XXXX, and I am filing this complaint because this is the third time I have reported my identity theft, and no action has been taken. The credit bureau has not sent any mail responses to my disputes, nor have the involved companies. I feel my rights as a consumer are being violated. I am the victim in this situation and can not get proper help or responses from the credit reporting agencies. If no further action is taken, I will pursue legal action.
Product: Credit reporting

Experian is still listing an account that is past the 7 year reporting period. 
XXXX/XXXX. Account number XXXX. This account has been deleted from XXXX and XXXX. Experian is the ONLY credit bureau that is still listing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

ChexSystems XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear sir, I have received a letter from the XXXX XXXX XXXX to contact with your company for the consumer credit report. Your company already added security alert in XXXX of this year, XXXX. Even though the letter indicated to request its office in XXXX, I contact with your office in XXXX, since your office created my file. 
Sincerely,
Product: Debt collection

The company has been notified this was ID theft, and proper documentation has been sent to both the company and all three credit bureaus and will not do anything about this.
Product: Credit card or prepaid card

I obtained a credit card with SunTrust Bank. I have had a relationship with this bank for over twenty years. I haven't used the card. I received a statement and noted on the statement that I would be charged an annual fee on the next statement. I don't pay fees on credit cards, so I reached out to the bank. I admit that I must have missed the annual fee in the initial disclosures. I requested that the card type be changed to type without an annual fee. I was told the only option is to close the card and apply for a new one. I explained that I am not asking for new credit or additional credit, only changing the type of the card. The representative said that is the only option. This seems like churning to me. There is no reason to close an account and open a new one, when I am only requesting a type of account without a few. I have changed bank account types to improve benefits without closing and opening accounts. I understand if I request additional credit, that there needs to be a hard inquiry on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt to get this cleared off my reports. I have sent documentation every time.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting

I have previously disputed inaccuracies on my bankruptcy # XXXX such as balances, Experian always comes back verified with no proof just name and address of court house. According to the provisions of the Fair Credit Reporting Act 609 ( a ) ( 1 ), ( 2 ). Proof should be verified physically and not through a 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTINUED TO COMPLAIN THAT THIS ADDRESS THAT THEY HAVE LISTED ON MY CREDIT REPORT IS NOT MINE. YET THESE COMPANIES HAVE NOT REMOVED THEM FROM MY CREDIT REPORT. I HAVE NEVER LIVED IN TEXAS AND HAVE EXPLAINED TO THESE CREDIT BUREAUS THAT I HAVE NEVER LIVED THERE AND THEY STILL HAVE NOT REMOVED THIS ADDRESS FROM MY CREDIT REPORT. I HAVE NEVER LIVED AT- XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report i see XXXX addresses that i am unfamiliar with XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Hello, today ( XX/XX/ ) I downloaded XXXX XXXX, this analyzes your banking payments to improve credit ratings. Well it populated at payment from XX/XX/ made to XXXX XXXX XXXX For the amount of {$490.00}. I do not have this as a utility bill, Nor was this an authorized payment that I willingly know of. I recently have applied on line for new car loans and do not know if this could have anything to do with how they could have accessed my account. I did report this to my banking institution ( Citibank ) also ( XX/XX/ as fraudulent. And do have a new debit card being ordered.
Product: Student loan

I submitted this complaint once before and this company still does not apply payments correctly ( principal only ). They need to fix this as well as bring my due date current. I have a student loan with Navient and my company started to make extra payment as a benefit with my employment. I am still making my regular payment every month but the extra payment that my company makes gets applied to the next available payment instead to principal only. The payment comes with instruction to apply to principal only but Navient does not do this. I called and they said it is not there policy to do that when a payment comes in. I believe they should apply as directed so that my loan gets paid off faster. Thanks.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX AND XXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The trade line from XXXX XXXX was opened last year in XXXX. It quickly became a collections account but never was removed from the installment loan category. Now it remains under installment loan although the debt buyer XXXX was paid well over 30 days ago. XXXX  continuously certifies to XXXX that a balance exists where there is none. On the phone with me personally, XXXX said the balance is XXXX. I have provided documents from the Bank, Creditor, and Debt Buyer showing the balance as XXXX and XXXX refuses to acknowledge the fraud XXXX is committing. XXXX appears to be holding my credit hostage maliciously. Please help! Thanks
Product: Credit reporting or other personal consumer reports

I am seeking information about the date on which the alleged delinquency occurred, information that should have been provided by XXXX XXXX XXXX XXXXXXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. While I understand that trade lines are typically removed after XXXX years, I would like to know the precise month and year when this particular trade line is set to be updated. Additionally, please furnish me with the address to which you mailed your request or the phone number you used to contact them. I am not interested in a general response outlining your usual investigation process. My request pertains to a comprehensive breakdown of how you received these specific responses. XXXX XXXX XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report that I reported as fraud in XXXX and yes its still on my credit report from XXXXXXXX XXXX for {$5000.00}, I have been fighting this for years, I filed a fraud report with the police department, nothing was done, XXXXXXXX XXXX is reporting on my credit report numerous times and thats incorrect, XXXX XXXX  is incorrect, XXXX XXXX fraud -- XX/XX/XXXX, XXXXXXXX XXXX  fraud -- XX/XX/XXXX all these accounts should not be on my credit report, they are incorrect and destroying my life, please remove XXXX XXXX from my credit report, Been fighting this since XXXX, these accounts are keeping me from living a normal life.
Product: Credit card or prepaid card

Early in 2021 I converted a Citibank Black card with an annual fee of {$450.00} to a Citibank Platinum Card since I would not be using the access to the XXXX XXXX XXXX lounges due to the pandemic. After numerous phone calls I finally was told I would get a credit of {$450.00} and I received a written communication of this adjustment on XX/XX/2021. I was told it would take up to 2 billing cycles to take effect. I called after the XXXX billing cycle and was assured this correction would be made but was charged an interest and late payment fee that was reversed. I called again after my XXXX billing cycle ending on XX/XX/XXXX and again the late payment fee was reversed but not the interest charge. At this point access to my credit card was cut off and charges denied due to the account being overdue. In addition, a derogatory reference was placed on my credit report. I called again on XX/XX/XXXX and the fees were reversed but was told I still had to pay the past due balance which resulted from the {$450.00} charge and created a minimum payment amount of {$35.00}. On XX/XX/XXXX I called again and finally theoretically had the {$450.00} credit applied and fees adjusted but was told I had to make the minimum payments which now approached {$100.00} even though after the adjustment I had a credit balance of {$37.00}!!! Again, for the third cycle derogatory references were put on my credit report. I am looking for some sort of financial restitution for my time and the derogatory references that were put on my account. I have never had a late payment for over 30 years of credit history. I tried to get a hold of the Office of the President but nobody would give me a number. I sent an email to the CEO of Citibank, XXXX XXXX and also left her a voicemail on her cell phone. This was done at around XXXX on XX/XX/XXXX and I have not heard back to date. I want the consumer to be protected from Citibanks predatory practices. I am better at standing up for my rights than most people and am attempting to make things better. Without enforcement action and stiff penalties companies like Citibank will only make things right for those that pursue action and the general public will be taken advantage of.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX 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 a 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

In the accordance with the fair credit reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1581 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 a account without my written instructions.