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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX / Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the XXXX credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5100.00}
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$1700.00} XXXX XXXX Balance : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2020
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and XXXX credit report : 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

Hi, my name XXXX XXXX  XXXX. Recently I applied for job and they require to check my background and then they gave me background report from credit company. they found a criminal report on my name which is ( XXXX XXXX  for XXXX XXXX ). I wasn't involved with any criminal background, but as I know I owned a grocery business it was my first experience with business.It was run including food and nutrition service which is call food stamp. that time I wasn't present in the store and my new employe was there and he doesn't speak and doesn't understand XXXX enough, may be he did mis transaction with food stamp because he didn't understand or something else. he wasn't explain me enough. that area most people have food stamp. I'm not lying I didn't do this kind of business, swear my XXXX, afterthat service was gone which I didn't know. now in XX/XX/2018 I'm trying get a job and bad report I'm disqualified. my question is how can I remove bad criminal report from my background, swear again I'm not involved with that. I want to get a job. I want to remove it from my name. I love this place, I want to live here. that's all.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and express concern regarding the handling of the recent dispute related to inaccuracies found in my credit report, as per my rights under Section 1681i ( 5 ) of the Fair Credit Reporting Act. 

On XXXX XXXX I submitted a dispute to experian regarding account XXXX from XXXX XXXXXXXX on my credit report. Pursuant to Section 1681i ( 5 ), the credit bureau is required to remove or correct any information that is found to be inaccurate, incomplete, or unverified within a reasonable time frame. 

However, after the investigation process, the information was deemed as validated, without providing adequate supporting documentation or evidence. This is in direct violation of my rights under the FCRA, as the credit bureau failed to conduct a reasonable investigation and merely accepted the validation without due diligence. 

I kindly request a reevaluation of this dispute, adhering to the legal obligations outlined in Section 1681i ( 5 ). Please provide me with specific details and documentation supporting the validation of the disputed information, as required by law. 

Furthermore, I emphasize the importance of accurate reporting as it impacts my ability to obtain fair credit terms. Failure to comply with the FCRA regulations in this matter may result in legal action. 

Enclosed with this letter is the report number made with experian XXXX, including the initial dispute, proof of delivery, and any supporting evidence concerning the inaccuracies. 

I expect a prompt response within 30 days, as stipulated by law, acknowledging the receipt of this dispute, along with a detailed plan of action to rectify the situation. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello, I have a US Bank reliacard for the child support I receive. I was alerted in XX/XX/2022 that the card had a fraud claim on it and so I was told to send in my ID and Birth certificate. I continued to call back 4 times and every time they told me to upload my personal information. In XX/XX/2022 then checked my account and the money had been take out XXXX even though my card was not active and my account was frozen at the time. I filed a claim dispute in XXXX which I won then the money was put back into my account. I ordered a new card and when I received the card I could not activate the card. I called card services again and was asked send in my ID and birth certificate AGAIN. Total of 5 times. I was told to check back in 2 weeks. I then checked my balance today and the money XXXX had been removed and I still don't have access to my card or account. I called card services again today XX/XX/2022 and have again filed a claim dispute and they are doing an internal investigation. They are saying it is possible Identify theft but I have checked my credit and it looks fine. I then hopped online after MONTHS of going back and forth with folxs at US Bank reliacard and come to find this is something that is happening all over the country. I am concerned at this point that internally at US Bank employees are scamming/defrauding millions of dollars. Please let me know if there is something else I can do.
Product: Credit reporting or other personal consumer reports

on my prior claim XXXX i informed Equifax that they based on " The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by congress and signed into law on XX/XX/year>, contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 USC 1681s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/year> and do not apply to charged-off accounts. '' they are supposed to report this late payment current because it was during covid period and they are violating the FCRA please make this account back to never late and paid as agreed
Product: Debt collection

I was looking on my credit report and found out there was some inaccurate information regarding my Capital One credit card history for XXXX through XXXX of 2020. I sent them multiply letters regarding this issue but they still haven't removed this inaccurate information.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX ( XXXX ) XXXX XX/XX/year> USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX Dear Sir/Madam, I am writing to formally dispute inaccuracies on my credit report. I recently reviewed my credit report and found several discrepancies that I believe are incorrect. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681a, I am requesting that you investigate and correct these errors promptly. 
Under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Furthermore, 15 U.S.C. 1681a outlines that information included in my credit report must be accurate, verifiable, and reflect the most current and accurate data available. 
I am requesting that you review the items in question, and if the information can not be verified or substantiated by the furnisher of the information, I ask that you remove or correct these inaccuracies in accordance with the law. 
Please provide me with a copy of the results of your investigation and any actions you take to correct the information. If you fail to do so within the 30-day period stipulated by the Fair Credit Reporting Act, I will consider further legal action.

Attached are copies of any supporting documents to assist with your investigation. Please notify me immediately if additional information is required. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i sent a written certified letter to XXXX, Experian and XXXX let them know that they are reporting false and incorrect information
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/year> has violated my rights.
Product: Credit reporting or other personal consumer reports

Background : On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX created a fraudulent ledger of added chargebacks and miscellaneous costs, which they reported to the Experian Rent Bureau. In addition to the fraudulent ledger, the company is suspected of misappropriating the COVID-19 funds funded on behalf of the City of XXXX XXXX XXXXXXXX. XXXX XXXX XXXX refuses to cooperate with Me ( The tenant ) to resolve this incident. Despite ignoring my communication attempts, XXXX XXXX actively prevents me from finding housing. I received this ledger on XX/XX/year> due to a potential apartment complex 's tenant screening report flagging and rejecting my rental application. While the fraudulent ledger was also dated one year and two months after I had moved out of the apartment complex, the Property Manager claimed that XXXX XXXX was still occupying the apartment in question. 

Current Day : On XX/XX/year>, I called Experian Rent Bureau to inquire about the update on the fraud investigation that I filed on XX/XX/year>. I produced the documents they requested of me, including the Police Report and other supporting fraudulent documents that I will be attaching. 

The woman I spoke to today said XXXX XXXX has certified the $ XXXX XXXX. I asked Experian Rent Bureau to tell me how they certified it. Suppose they sent a letter or some time of information. The woman at Experian Rent Bureau stated that they didnt send any letters or mail. She said they responded and said, " Yes, the claim is real. Experian didn't even inform me about them closing the investigation ; I had to call them on XX/XX/XXXX to find out. This is not an acceptable way to run a business. Especially one that can ruin a person 's life. Due to this fraudulent Error, I am Homeless and trying to find some relief, as this mark made in error is very detrimental to my reputation. 

The Woman from Experian told me to keep calling and trying to figure it out. What I challenge Experian Rent Bureau is to look deeper into cases like this. Both Experian Rent Bureau and XXXXXXXX XXXX blindside me. There has to be some standard to prevent the severing of someone's livelihood. I have been trying to work on this since the end of XXXX, and I am at a dead end. Experian Rent Bureau even avoided contacting me about the investigation, or should I say " lack '' of an investigation. 


I may be going through this due to some form of discrimination, as it is out of character for me to be $ XXXX in debt!! I have tried to contact the company that made the false claim on my report, but nothing has come out of it. The Company XXXX XXXX needs to respond to my communication efforts, and Experian Rental Bureau needs to increase its standards when accepting information.
Product: Credit card

Every month on the XXXX of the month my chase credit card ending in is card ending in XXXX is charged {$9.00} for XXXX from a company called XXXX XXXX. I have tried calling the merchant serval time and explain to them that I am being charged and they just give me the run around and say they cant find anything on there end. I also tried calling my bank and they tell me there is no way to prevent the merchant from charging me each month. I have submitted several disputes and refunded for some but not all. I am tiered of not being helped by Chase, I have even ordered a new credit card with a new number and the chase said that there is agreement with the Merchant to provide them updated information. I told chase that I do not consent to them sharing my information but they do not stop. Please help me they have been billing me for a membership which I already receive for free based on my other credit card with Chase. I even deleted the billing information from the merchant app and they continue to bill the account without my consent. 

The bank has violated ELECTRONIC FUND TRANSFER ACT ( REGULATION E ), Truth and Lending Regulation Z obligations with my dispute, and also Credit Card terms I did not agree to provide my information to a third party without my consent which they did by giving the merchant new credit card number after I replaced my credit in an attempt to try and stop the recurring charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has exposed my personal information, including name, address, social security numbers, and details of my credit accounts and inquiries. I will be incurring significant time and expense rectifying the damage as a result of Equifax 's negligence.
Product: Credit card or prepaid card

On   XXXX   XXXX  2017  I was approved for the new  USAA  "  Limitless ''  rewards credit card. USAA 's website promotes the card as earning 2.5 % cashback and says about the card " Enjoy unlimited cash back on the amount you can earn. '' They clearly named the card  Limitless  and indicated that it offers unlimited cash back.     On   XXXX   XXXX    2017  USAA closed my Limitless credit card as well as my older Visa rewards card with them.  USAA  also provided notice that they would close my checking and savings accounts with them in 30 days on   XXXX   XXXX  2017   .     The letter informing me of the closure of my  USA  A Limitless  card said that it was closed due to " unacceptable behavior or activity, '' but did not elaborate, nor would the phone rep I spoke to on   XXXX   XXXX   , 2017  when the  Limitless  card was declined when attempting to make a purchase with it.     I am left to conclude that this " unacceptable behavior or activity '' is that I charged too much to the credit card between the date it was opened and the date USAA closed my account since there was no other significant account activity with my other USAA accounts during that period. I am frustrated with this result and hope that USAA will reconsider their decision and reopen my accounts with them. Having been a customer for over a decade I had previously been very satisfied with USAA and am disappointed that they appear to be misleading members in how they 're choosing to promote their new credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. reported information on my Credit report not authorized .a bankruptcy
Product: Debt collection

I've lived in XXXX  since XXXX of XXXX. I received a letter from my place of employment and a copy of a garnishee disclosure filed in XXXX. I am being garnished for {$5000.00} and I do not know why. The garnishment is going to start this week. My rights were violated. 
-I was sued in XXXX  XXXX XXXX XXXX XXXX. I live in XXXX. 
-I was Never notified of a court date or by this debt collector regarding a debt -I am being garnished for {$5000.00} -My wages are being garnished for 25 % ; The law in XXXX states that the maximum someone can be garnished for is 15 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. XXXX 3. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. As a victim of a data breach, the following entries were not authorized by me and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX - XXXX - XXXX - $ XXXX XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XXXX - $ XXXX U XXXX XXXX XXXX XXXX  - XXXX - XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - $ XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX XXXX - XXXX XXXX $ XXXX XXXX XXXX XXXX  - XXXX - XXXX - $ XXXX XXXX XXXX  - XXXX - XXXX - $ XXXX XXXX XXXX XXXX XXXX - XXXX - $ XXXX XXXX XXXX XXXX  XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX  - XXXX - XXXX - $ XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

They continue to call my house daily even though it is my daughter who owes the debt. She is not here, and I am not paying her debt for her. I want them to leave me alone.
Product: Credit reporting or other personal consumer reports

I am sending to dispute late payment entries that appear on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. 
If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed an incomplete account that I do not recognize. The name of the account is firstpoint coll resources- {$160.00} I also noticed that the account is incomplete and not providing information such as date of last activity or first date of delinquency. 

It is the credit Furnishers responsibility to report only maximum accuracy and complete information. Please remove this account immediately