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

Dear Consumer Financial Protection Bureau, XXXX XXXX XXXX, and Experian. 

I am writing to file a complaint regarding inaccurate information on my consumer credit report, specifically related to the XXXX XXXXXXXX XXXX XXXX account number XXXX. I am deeply concerned about the inclusion of unauthorized and inaccurate data, which I believe violates both state and federal laws governing the protection of non-public personal information. 

Under Georgia law and the Fair Credit Reporting Act ( FCRA ), I assert my right to privacy and the accuracy of information within my consumer profile. I did not provide written consent for the reported late payment remarks in XXXX, XXXX, XXXX, XXXX, and XXXX of 2023. I insist on the correction of this information and the removal of derogatory remarks, updating the account status to " paid as agreed '' with no record of late payments. 

I want to emphasize that all information within my consumer profile requires explicit authorization, and I do not recall granting such consent to XXXX XXXXXXXX XXXX XXXXXXXX. I believe this unauthorized access to my non-public personal information is a violation of my privacy rights. 

In accordance with federal law, particularly the Fair Credit Reporting Act, I request that XXXX XXXXXXXX XXXX XXXX ceases furnishing my non-public personal information to third parties, including but not limited to Experian, XXXX, and XXXX. Please refer to the specific codes outlined in the Fair Credit Reporting Act to support this request. 

I appreciate your prompt attention to this matter and request a thorough investigation into the inaccuracies reported. I trust that your intervention will ensure the correction of my consumer profile and uphold the principles of privacy and accuracy as mandated by applicable laws. 

Once the investigation is complete, I would like a comprehensive breakdown of the information shared between Experian and XXXX XXXX Bank regarding my consumer information.
Product: Credit reporting or other personal consumer reports

Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were one shows a high balance of {$3300.00} and others show {$4400.00} and one recent XXXX XX/XX/XXXX late payments while others show some and others show lots? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.
Product: Debt collection

I have XXXX credit cards with Comenity Bank. I fell behind on payments. I am trying to catch up. Comenity is calling multiple times per hour, from XXXX, seven days a week, using spoofed numbers. They are using numbers in dozens of states. 

I feel this is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in three dispute letters starting XX/XX/XXXX-XX/XX/XXXX to all credit report agencys regarding accounts ( XXXX acct # XXXX ) ( XXXX/XXXX  acct # XXXX  ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX  XXXX acct # XXXX ) accounts not mine please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts. Just sent in a final letter XX/XX/2018, notarized stating I will press charges. Please remove accounts immediately. Also XXXX acct # XXXX, never late on payment, and never late with account XXXX XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX I reached out and informed them about these accounts that are not my accounts and to remove them from my record but they have not removed it. I did not open these accounts and I have no knowledge of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DEISHCARGED XXXX XXXX XXXX  XXXX {$540.00} XXXX  XXXX XXXX {$520.00} XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 A section 2 It also states consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 V a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card

This is regarding to the closed dispute made from XXXX in the amount of XXXX dollars on XX/XX/year>. I opened the dispute with Chase Credit Card XXXX because I have not received the merchandise as promised by the merchant up until now. 
The merchandise is for XXXX ounces of silver purchased from a merchant named XXXX. Even though the merchant provided the tracking information from the post carrier, the tracking information does not show any signature from myself nor anyone of my family. Furthermore, I asked my family and neighbors around and no one saw any package left around the delivery date. Also the proof of delivery does not show my full home address : XXXX XXXX XXXX XXXX XXXX XXXX 
I hereby certify the above statement is true and best of my knowledge. However, it's almost XXXX months which have passed, Chase closed my dispute without issuing any credit. I should not be paying for something that I have not received.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND I HAVE PERSONAL INFORMATION WITH VARIATIONS, WHICH IS CONFUSING
Product: Credit reporting

Equifax is reporting XXXX tax liens ( public records ) that should be removed from my credit report. I have sent Equifax IRS forms XXXX ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) for EACH tax lien for proof that these need to be removed from credit file promptly. Both XXXX and XXXX have removed the tax liens, as legally they were supposed to. I have spent numerous hours on the phone with Equifax, including filing both an online dispute and regular mail dispute - all with the outcomes that the tax liens on my credit report are valid. This is illegal and they need to remove these tax liens from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this has violated my rights and I need it removed as soon as possible . 
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 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

I have sent a letter out disputing this account asking for the contract with my signature. I sent a dispute 3 times asking for proof. XXXX, and XXXX has deleted this inaccurate account because it is not validate. I want this delete off my credit report, it has been over 3 months
Product: Debt collection

XXXX XXXX placed a collection on my credit history in XX/XX/XXXX claiming that I owed money to XXXX XXXX as ofXX/XX/XXXX, which I don't seeing as how I have not had XXXX XXXX  in my household in years. The debt was originally placed for collection by another company, which removed it after a lengthy dispute which found it to be fraudulent, only to have it pop up AGAIN with this company.

I have disputed it in XXXX and it was removed, XXXX and XXXX have refused to remove it and claim it to be accurate, yet I still have yet to see a bill dated XX/XX/XXXX that shows that I owe any money from anyone. This company is simply trying to collect something that was already proven to not be owed.
Product: Credit card or prepaid card

Between approximately XX/XX/XXXX and XX/XX/2018 Citibank allowed a credit card account to be fraudulently opened in my name and the name of another person ( liked to the same account ) within days, sending the new cards to my mail address. This was combined with an attempt to steal my mail by the thief watching and noticing I was not home, putting a hold on my mail at the post office during that time and then trying to pick up my mail at the post office to pick up the new, bogus credit cards - a coordinated scam between online fraud and postal theft/fraud. The person was not able to get a hold of my mail when I went to the mailbox and then post-office, retrieved my mail and averted the theft. The Citibank credit cards had an {$11000.00}. The thief opened another card with another company, so the overall amount was for {$19000.00} of credit. A third attempt was met with more scrutiny by a third financial institution. 

Issue 1 - My issues with Citi start with that when I alerted them, they were not supportive of my efforts to immediately close down the account. I talked to a fraud contact at the bank on XX/XX/XXXX, and did not want to give him my SS # but understood the account would be closed. I then went to my credit bureau to put a fraud alert on my account. On XX/XX/XXXX, Citi contacted me about the account but the person contacting me had no information and the account was not yet closed or of the incident reported on XX/XX/XXXX. She was helpful in closing it down and I asked to be transferred to someone who could help identify the causes of this fraud. 

Issue 2 - Even though I was the one that alerted them, the identity theft division of Citi was generally not that supportive and would not help me find information that could help our local police apprehend the local person committing both the online and mail crime. She would not give me any information about my application and said if they police wanted the information, they could call a Citi 800 number and ask for the law enforcement liason - not exactly helpful or responsive to a crime committed using their credit card process. She gave me ambiguous advice about the length of my fraud alert and in general, seemed annoyed that I was asking for help and explanations, when it was Citi that at least played a part in issuing a bogus credit card in my name. When I asked her how I could communicate my concerns and request for deeper explanations as to how this happened, she reluctantly gave me a po box to write a physical letter to a generic customer service contact. The overall impression is that Citibank 's actual conduct does not match their web site-published concern for customers impacted by credit card fraud. I want to make sure that this particular scam is not allowed to continue, and I mistakenly thought they would share this desire.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can they verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. Please delete these accounts from my credit reports since they were not properly verified and the furnisher could not provide sufficient proof to prove their reporting. XXXX XXXX / XXXX : Account number : XXXX, Date Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, Date Last Active is different on each bureau : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX Date of Last Payment : is not uniform on each bureau : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX Also, I have placed a Freeze on my XXXX and XXXX accounts and this info might have been shared. But according to 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.
Product: Credit reporting or other personal consumer reports

I believe that there has been an error in my credit profile, as my credit information has been merged with my brother 's. Recently, my brother contacted me and informed me of some unusual activity on his credit report. According to his report, there are accounts listed that do not belong to him. He has filed a dispute to have these accounts removed from his credit report. However, since we have the same name and birth date, our information has been inadvertently combined. his report was fixed but i still don't have a report yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a balance to this collection agency that promised me if i pay the certain amount they would send me a letter that would clear off there negative trade line off of my credit report. They sent me a letter that is useless and doesnt clear the tradeline off my report. The letter has been downloaded.
Product: Debt collection

This is some medical bill that in not owed and would be covered by my medical insurance which has never lapsed.
Product: Credit reporting or other personal consumer reports

The List of inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The following inquiries on my reports are unauthorized and not mine, : THESE ARE THE FRAUDULENT HARD INQUIRIES ON MY REPORTS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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 or other personal consumer reports

I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. 

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. 

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.
Product: Debt collection

I am writing to formally dispute and request the immediate investigation and removal of certain fraudulent accounts that have been erroneously appearing on my credit report. These fraudulent accounts are not a result of any legitimate financial transactions, and their presence on my credit report is causing significant harm to my financial well-being and creditworthiness. 
The fraudulent accounts that I am disputing are as follows : XXXX - XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX - PLEASE DELETE!!! 
I request that you initiate a thorough investigation into these fraudulent accounts as per the provisions of the Fair Credit Reporting Act ( FCRA ) and promptly remove them from my credit report if they are found to be inaccurate or fraudulent. Additionally, please provide me with written confirmation of the investigation 's progress and the results once the investigation is complete.
Product: Credit reporting

I have a collection acct reporting on my Experian credit report. The collection is listed as XXXX XXXX. 

I have not received any letter confirming this debt is valid, or belongs to me. Further more, the date of this account is listed as being opened XX/XX/XXXX. Experian shows that this account was last updated XX/XX/XXXX. How was an account updated before it was opened? I do not acknowledge this as valid debt belonging to myself, and the innacuriaces of information contained justify the removal of this item from my credit report.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete the items immediately. 

XXXX. XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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. XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX XXXX. XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX  ( XX/XX/XXXX ) XXXX. XXXX  ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX  XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) Please remove these Unauthorized items IMMEDIATELY and send me a copy of my updated credit report. 

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention :