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

XXXX XXXX XXXX  You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : XXXX I demand that you remove the following personal information that is being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged off as bad debt Meets FCRA Closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that you correct the following accounts being reported as follows : XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you required by federal accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law unverifiable accounts must be removed. 

Please see the attached documents as confirmation of my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX account status Derogatory Type Credit Card Responsibility Individual Remarks Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Times XX/XX/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
Product: Debt collection

When I signed up for the membership the manager gave me the option to sign up for 3 month, 6 month, or 12-month membership ( with different price rates ). I opted for a 12 month at {$38.00} a month. Given the time period for each membership option, I assured that the membership will be only active for that amount of time. I was not told that the membership will automatically renew itself every 12 months. They did not even show me the membership agreement and hence never walked me through the agreement. They kept charging me a monthly membership fee of {$38.00} plus {$30.00} every year. I then decided to close my bank account and soon they send me the notice for the unpaid balance. 
I contact the company via email to cancel the membership but they said I have to come to the gym location to cancel. Unfortunately, I am in the XXXX XXXX and can not get out of the house at this moment. The company then sent me a Final notice and threatened to transfer the case to the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under Inquires on my credit report " XXXX XXXX XXXX '' did not have my permission to pull my credit report twice on XX/XX/XXXX. XXXX 

They only had authorization for one hard credit check not two.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 or other personal consumer reports

I am disputing inaccurate information on my credit report from Comenity Bank/XX/XX/XXXXXXXX XXXX The reported balance does not match my payment history, and the furnisher has failed to provide proof of accuracy, an itemized statement, or a copy of the original contract. 



Additionally, if this account was charged off, I was not provided a 1099-C form, which violates IRS reporting laws ( 26 U.S.C. 6050P ).

Laws Violated 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Creditors must report accurate information.

15 U.S.C. 1666 ( a ) : Right to request an original signed contract proving liability.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the furnisher can not verify accuracy, the item must be removed.

26 U.S.C. 6050P : If debt was written off, a 1099-C form must be issued.

What I Want A full itemized statement of all purchases, fees, and payments.

A copy of my original signed contract.

Proof of balance calculation or removal of the inaccurate account.

If the debt was written off, a copy of the required 1099-C form.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered fraudulent accounts and inaccurate reports. These errors are negatively impacting my ability to obtain credit. Please investigate and remove these fraudulent accounts from my report.
Product: Mortgage

On XX/XX/XXXX XXXX took a double payment from my account. I emailed them about it XX/XX/XXXX and was ignored. I was forced to call today XX/XX/XXXX and had to wait on hold. The person on the line was able to put in a request but it will take several days
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Experian via XXXX certified mail, tracking # XXXX, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. 
I included a copy of my photo ID, social security card, and a recent bill with my current address to assist Experian in verifying my identity and address. 
I received a response from Experian dated XX/XX/year>, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA. As evidence, I am including a copy of my dispute letter sent to Experian, USPS certified mail proof of delivery, and Experians response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year the same thing happens with Equifax ( also with XXXX, not with XXXX  ). Today it was Equifax ( I ask one of the bureaus every 4 months ). They ask me 4 questions with multiple choices which are supposed to verify my identity. Out of the 4, 2 have no answer but " None of the above '', they refer to companies or credit transactions I know nothing about ; which means I flunk the test to prove that I am me, and Equifax refuses to provide online access to my credit report as it has been mandated by law. 
Instead, they suggest a long list of paperwork that I need to send to get a free credit report. Obviously, I can also pay for one, and then, I am sure, there will be no fake questions to prove that I am me : a credit card will be sufficient. 
This time, I copied the screen contents, and my responses. I also have the scan of last year 's credit report, which I got by mail after filing a complaint like this one. 
I am hereby enclosing both, the screenshots showing the spurious questions with my responses, as well as last year 's credit report. I challenge Equifax to tell me which of the reported credit transactions they were referring to in questions 1 and 3. Nothing in the XXXX report mentions anything vaguely resembling anything in these questions, which refer to transactions in XXXX and XXXX. In XXXX I did cancel a mortgage with XXXX, and that is listed in page 20 of 30 as XXXX, of XXXX VA, not as any of ; XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF THE ABOVE Question 1, about a merchant 's card from XXXX, also has no reference in any of the contents of the credit report issued by Equifax in XXXX. 

The only conclusion on this is that they make these questions impossible to answer, or downright fake, just to avoid giving me access to my own credit report, as I am entitled by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested a payoff for my mortgage, with Carrington Mortgage, due to refinancing. I received a payoff quote for {$70000.00}, good through XX/XX/XXXX. Payoff for the quoted amount was sent to mortgage company on XX/XX/2021, however was not applied to the loan until XX/XX/XXXX. This has left me with a derogatory mark on my credit report, showing that I was 30 days past due. I have previously sent in a credit dispute with Carrington and the have not updated the payment status. I have attached the payoff quote as well as payment history for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted companies to remove inquiries with no response back I disputed on report. I also had a identical theft on my credit. I have since tried to repair. I have asked for documentation as to these inquiries.
Product: Bank account or service

in addition to these XXXX complaints I`ve already sent you : 1. # XXXX ; # 2. # XXXX i went into a branch wells fargo branch in XXXX, al the teller`s name was XXXX, she dined me access to her card. she told me that i could not withdraw my remaining balance @ wells fargo in the amount of {$430.00}. this bank is illegally holding my money/funds from me, when i have had no access to swipe thier bank card for over 5 days now! they are illegally holding my funds from me! they also told me they were going to close my bank account & keep my money! thieves!
Product: Credit card

Contacted Credit Card Company ( JP Morgan Chase Visa ) to dispute a charge on XXXX. During the dispute process I provided valid proof of the claim ; Receipts from the new plumber, receipts of the damages caused by the XXXX plumber and video/photo evidence supporting the claim. JP Morgan contacted XX/XX/XXXX and is now requesting a XXXX from a XXXX validating the work performed from the XXXX plumber was inadequate and the services provided were not fulfilled. The response is due by XXXX/XXXX/16. Due to the holidays, this allotted time is not sufficient nor is it considered a reasonable request. This dispute was filed in XX/XX/XXXX with the Credit Card company. I was explained the merchant was given 30 days to respond and dispute the reversal charge. However, the same XXXX days was not given to me considering I received the notice on the XXXX of XX/XX/XXXX and they 're requesting a response by XX/XX/XXXX not taking into consideration the Holidays and business 's closures. Nor should this request be considered necessary. The merchant 's insurance company has accepted full liability and issued a check for the damages caused by the plumber negligence. I can not comprehend the necessity to provide additional information that is outside the scope of the services that were not performed by the plumber nor should I incur additional expenses to pay for another plumbing company to write-up a XXXX Opinion letter. An addition, why should I be responsible to pay for something that was not done correctly resulting in personal damages caused by the business 's negligence. The services were not fulfilled. I had to pay another plumber to come-out and fix the issue caused by the previous plumber. I have provided this evidence to JP Morgan Chase and their stating VISA is not accepting this documents presented as substantial documentation. This is not a logical or reasonable request and undermines the consumer protection laws meant to protect consumers from paying for services that was not fulfilled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not updated my credit report as they are still in violation. And they are making it difficult for me. According to this law, they are breaking every rule in the book 15 USC 1681 a ( 2 ) ( A ) ( ii ). They have no right to put me through this turmoil. So I as that you CFPB, make them follow the law as, they are breaking them right in front of you. It is illegal and the practices that they are doing to my consumer report is a violation of the law once again is 15 USC 1681 a ( 2 ) ( A ) ( ii ). Except as provided in paragraph ( 3 ), the term " consumer report does not include- ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or CONSUMER REPORT-MEANS ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. PERSON MEANS : the term person mean any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Therefore I am a person and a individual! And they have violated the law. THEY ARE NOT CREDIT WORITHNESS BECAUSE THEY ARE BREAKING THE LAW.

consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

person : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

I am a person/individual and they are still breaking the law!
Product: Credit card or prepaid card

XX/XX/XXXX I received an email from Citi Bank XXXX XXXX ( known as best buy citi visa card ) stating that someone in XXXX, XXXX was trying to make a purchase of XXXX XXXX on XXXX I also received a text message. I immediately called them and told them this was clearly fraud and to decline any purchase made after XXXX ; which I had made instore near my home in XXXX, XXXX. They told me they are not able to talk to me until after I receive a code in the mail to provide to them. When I got a hold of that code I called them to unlock my account and see what was going on. By then they had allowed several charges. These charges were made in XXXX with the following companies : XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. I filed a claim and they assured me everything would be tooken care of. Two days after filing that claim other charges appeared with the from that same card that was compromised. I unfortunately did not write down which purchases were made in what order. I tried retrieving that information as of today XX/XX/XXXX from my best buy citi account, online, it shows that " no purchases have been made within 6 months ''. As of right now XXXX and XXXX XXXX XXXX have resolved the issues. I am not to sure about this because I never got a letter stating that those 2 were resolved but a Citi worker told me on the phone that those 2 companies were able to work with me but XXXX and XXXX XXXX are being reluctant. I contacted both companies ( XXXX and XXXX XXXX ) twice after the fraud claims. Both companies assure me that Best Buy Citi should be able to take care of it because they do notice that my name, address, email and phone number do not match that of my Best buy citi visa card. My issue is that Best Buy Citi keeps closing my fraud claims because they state that the card was in my possession and that the info matches. I do agree that the card was in my possession but I did not make those purchases. My information on my card does not match. I keep calling Citi 's security operations department and they also agree that my information does not match so they keep opening up my closed fraud claim. At this point the company ( Citi Bank XXXX XXXX ) is not willing to help me although they had claimed to be fully liable for any fraud made on my account. The company XXXX advised I speak to a supervisor at Best Buy Citi bank because she also agrees that fraud can occur even if I never physically lost my card. She also stated that my information does not match. I was only able to get ahold of XXXX through email and they advised filing a chargeback if Citi bank XXXX XXXX is not helpful with the fraudulent purchases. XXXX stated they can not give further details of the purchase when I asked about tracing the location of the person who fraudulentley used my account because it is a fraud claim. As of now I have a balance on my best buy citi card that states that I am fully liable for the amount of XXXX XXXX  ( on my paper copy statement it says XXXX from XXXX and XXXX from XXXX XXXX XXXX XXXX  ). I've never had a fraud charge so I am having trouble resolving this. I am looking into making a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my Equifax report from fair collections. This was previously disputed and removed from my credit and has now reappeared. The account was paid and was never late. Equifax refused to remove it before so I reported them to the CFPB. They then removed it but now it appears again on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first letter to XXXX XXXX XXXX XX/XX/2018. I also sent dispute letters to all credit bureaus reporting this information form XXXX. 

XXXX is reporting inaccurate information related to an open account. 

XXXX has not provided me with proper documentation by virtue of my signature on contract binding me to this negative account. 

XXXX XXXX XXXX are now in violation of the FCRA and continues to be in noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I periodically check my credit profile and noticed several inquiries that I don't recognize. Please remove the following off of my XXXX  File : XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> Account : XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX, To Whom It May Concern, I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following ALLEGED collection account is not only listed as being OPEN, but also with a PAST DUE BALANCE of {$300.00}. This is a violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove the account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. Sincerely, XXXX XXXX XXXX