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

After reviewing my submission, I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? Also, I didn't receive any ( not XXXX ) of the correspondence that I requested in the last complaint. 
You ( Equifax ) didn't provide any of the information I requested by law for you to provide. 

All of this is grounds for removal by law. 

XXXX. The Original Contract With My Signature On It ( DID'NT PROVIDED ) XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) ( DID'NT PROVIDE ) XXXX. The Payment History and Itemized Billing Associated With Each Account ( DID'NT PROVIDE and No Correction XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) ( DID'NT PROVIDE ) Also : 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 USC1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If these accounts are not removed I will be reporting you to the XXXX and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S.
Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Credit reporting or other personal consumer reports

On my Credit Report there are certain accounts that I would like to see reviewed by the CFPB. The providers of these accounts continue to state that the accounts are accurate. I personally differ greatly from this. These accounts cause great distress to me and greatly affect my financial life. 

The first account is XXXXXXXX XXXX  XXXX, this account presents a False Last Payment Date, a False Closed Date and does not present a pattern of days late of XXXX days late before the account was Charge off by the account provider. ( please see payment history for reference ) The second account is XXXX XXXX XXXX XXXX, I have already disputed this account several times and the Date Update ( XX/XX/XXXX ) shows us that the account has never been previously investigated. 
The Third is XXXX XXXX XXXX, this account also presents a False Last Payment Date, a False Closed Date and does not present a pattern of days late of XXXX days late before the account was Charge off by the account provider. ( please see payment history for reference ) The fourth Account is XXXX XXXX. I have also disputed this account several times and the Date Update ( XX/XX/XXXX ) shows us that the account has never been previously investigated. 
The fifth account is XXXX XXXX, this account also has a False Last Payment Date, a False Closed Date ( please see the payment history for reference )
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

There was fraudulent charges on my account that was clearly not made by me, and Wells Fargo tried to say it was me when I told them to check the cameras to show that it was not me they closed my account and said it was my fault when they didnt do anything to check
Product: Credit reporting or other personal consumer reports

Experian was sent multiple letters via certified mail requesting that they supply the data furnisher used to verify a bankruptcy on file. It has now been several months and I have not received an answer instead they employ stall tactics or just tell me that it is verified. That is evasive and lacks any transparency that is required by law. I am requesting that they supply the data furnisher used so that I can correct the information or delete the erroneous item from my credit report.
Product: Debt collection

Vance and Huffman are attempting to collect a debt that has exceeded the legal time limit. The debt is an auto loan from XXXX that I cosigned for my ex-husband. The vehicle was surrendered in XXXX. After calling them, a call that was recorded and they have referred to in a previous dispute, their representative told me that they had never seen a debt that old before. After disputing the debt, in retaliation Vance and Huffman have added late payments to my credit report, in XXXX on a XXXX XXXX XXXX debt that has no late payments. 

Last year I had XXXX XXXX that caused XXXX and I don't have very long to live, and what this company has done to me and my credit report has forced me to stay in a rented home in a bad area that is bleeding what little finances I have dry.
Product: Credit card or prepaid card

I have multiple credit cards via comenity bank. Today specifically I had issues with XXXX  and Victorias Secret. I knew my payment was due today, XX/XX/XXXX. Im out of town and forgot my date book but knew the payment was due by XXXX. I had someone get my password and logged in at XXXX to make the payments. I was unable to pay today. The only payment option was tomorrow-which is late. I get electronic statements and dont recall being informed of this time change. The reason I was aware of XXXX is because I logged in to make a payment before and was considered late even though I was paying on the due date. That time I sucked it up but this is ridiculous. My car loan, mortgage, major credit cards dont engage in this ridiculous practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

IAM requesting Equifax, XXXX, and XXXX, to BLOCK and DELETE, IMMEDIATELY, all accounts, addresses, employers, inquiries, names, listed on my Police Report, below, Effective this Wednesday, the XXXX XXXX XXXX XXXX at XXXX XXXX as a result of being a victim of Identity Theft, by losing my Birth Certificate, Drivers License, and Social Security XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. LITIGATION - I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX. I presume no evidence of the Alleged Debt therefore exist. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023, Experian was notified of fraudulent information being reported on my credit report. In accordance with FCRA, I submitted all necessary forms and documentation to establish fraud claim. From time of receipt, Experian is required to delete and block all fraudulent information. Experian has failed to comply with federal regulations and has caused my credit reputation grave harm. Experian received all documents and has failed to act to ensure the consumer is being protected. According to Experian reporting this fraudulent information, my credit report shows XXXX different accounts with the same vendor for over XXXX. These accounts were not opened by me, nor did I approve anyone to open these accounts. I have reached out for documentation verifying signatures, but I have not received a response. By law, Experian is required to delete these fraudulent accounts and provide me with an updated credit report at no cost to me. Enclosed is the letter sent to XXXX ( which was included with the documentation I sent Experian ). Please remove all accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXXXXXX. 
Account Number : XXXX
Product: Credit card or prepaid card

XX/XX/2021 Macys American Express Cr Card number : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WY XXXX ( XXXX ) XXXX I called Macys American Express twice to dispute a charge that is on my account. I cant do it online because the system does not allow me to put the dispute through. I called Macys American Express and customer service completed my dispute on the XXXX of XXXX. A few days later I looked at my account and noticed that the dispute is not recorded. I called Macys American Express again and they told me that they recorded the dispute on the XXXX. I looked at my account to find that the dispute is not recorded. 
I am reporting Macys American Express for not honoring my wishes. XXXX XXXX XXXX overcharged me by {$3000.00} in total. I want to recover the whole amount and part of this was paid with Macys American Express. 
When I called Macys American Express, I found out that Citibank owns them. Citibank is a fraud and should not be allowed to operate! 
I am demanding to have my dispute honored and my funds returned to me. I decide over my money and not Macys American Express/Citibank XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Experian, XXXX, XXXX I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/XXXX MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. I HAVE ATTACHED MY IDENTIFICATION CARD FOR YOUR VERIFICATION. Please send me a new report when you are completed so I may continue to verify its accuracy. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX
Product: Credit card or prepaid card

I had XXXX of small charges taken out of my cashapp cash card between the months of XX/XX/2022 to XX/XX/2022 while I was dealing with a personal matter and didn't have access to my cashapp acct. I have sent multiple emails to the merchant to get a refund with no response. I then went to try to do the chargeback with cashapp and they keep denieing it saying I made the charges any other bank would of flagged my card when so many charges to the same merchant for smaller amounts but not cashapp they kept letting the charges go through and refuse to give me back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter after letters since XXXX of last 2018 to remove bankruptcy 's and any accounts that was included into the bankruptcys from credit profile to XXXX, XXXX and transunion and they refused time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court and XXXX stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE or verify the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 6 months to remove and have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I am submitting this complaint on behalf of myself, and in connection with ( 3 ) three letters I sent out approximately XX/XX/2020, to Experian, XXXX XXXX XXXX, XXXX, and XXXX XXXX. They were addressing, several errors and certain unverifiable accounts. I discovered on mu credit report. I requested removal of all errors and such accounts, which could not be verified, after ( 30 ) thirty days passed without a response, I sent out a demand letter of removal on XX/XX/2020, where in had not been provided a response of the nature of any investigation or disclosure. FCRA section 609 ( a ) ( 1-5 ). I did receive a response XX/XX/2020. To my understanding when a Credit Bureau doesn't respond to a consumer 's initial response within ( 30 ) days, they are required to remove all errors and unverifiable accounts, which have not been verified within the prescribed time FCRA section 611 ( 5 ) ( A ) ( i ). Neither have they responded to my demand letter, so I am disputing the credit reporting agencies right to report any unverifiable account which hasn't been validated, by the procedures set out in the FCRA 611 ( a ) ( 1 ) ( A ).
Product: Credit card or prepaid card

Chase Freedom credit cards lured me in with a low initial interest rate and now they are charging over 19 percent in interest charges. For consumers like me I've become a debt slave to multiple credit cards because of the now high price. Due to the pandemic and mandates it caused me to lose my better paid employment. Even though I pay my bills on time I am unable to get a personal loan with a lower fixed interest rate. I feel trapped in a now win situation. I contacted the credit card company recently to see if they would lower the astronomical price but the company refused. This situation is infuriating because I am doing the best I can to keep up and I am no longer living as a debt slave.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, an agent from Broadway fiance called me, and informed me, that if i just made one payment it would bring my account up date. As of today XXXX XXXX  2020, it still sHows i am 90 days paat due, no money has been applied to the account. 
The agent told me false and misleading practices. I spoke with an agent today, name XXXX, that told me, yes you paid on it, but its still past due, and we are going to report ur payment but we just havent done it yet. 

I asked him why was i told diffent, on XX/XX/XXXX, he said they didn't mean it that way. 
I did inform XXXX  i am reporting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor ( s ) on XX/XX/2019 requesting my signature proving this was my debt and/or that I had paid the accounts late. The companies are reporting this information to the 3 credit reporting agencies without providing validation of the debt and the credit reporting agences are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

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

Name of Collection Agency : Resurgent Receivables LLC Amount Reported : {$950.00} Date of Report : XX/XX/year> Credit Reporting Agencies Affected : XXXX, XXXX, XXXX Fair Debt Collection Practices Act ( FDCPA ) Violations : Under the FDCPA, debt collectors are required to provide accurate information regarding debts, and any attempt to collect an incorrect or disputed debt constitutes a violation of my rights. I have not received any proper validation of this debt from Resurgent Receivables LLC, as required by 15 U.S.C. 1692g ( b ). They must provide verification of the debt within 30 days of my request, which they have failed to do. 

Fair Credit Reporting Act ( FCRA ) Violations : The FCRA requires that all information reported to credit bureaus be accurate and verifiable. Under 15 U.S.C. 1681i ( a ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. Resurgent Receivables LLC has reported a debt that I do not owe, which is a clear violation of my rights under the FCRA. The inaccurate reporting has negatively affected my credit score, and I am requesting immediate correction. 
Lack of Validation and Verification : As per my rights under the FDCPA, I previously sent a request for debt validation to Resurgent Receivables LLC, which they have either failed to respond to or provided insufficient evidence to substantiate the claim that I owe this debt. Without proper validation, they are not legally permitted to continue collecting the debt or report it to credit bureaus.
Product: Credit reporting or other personal consumer reports

REMOVE THESE HARD INQUIRIES : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX 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. I did not apply for credit with these companies, nor did I provide authorization for them to access my credit file. Under the FCRA, hard inquiries require consumer consent. Since I did not XXXX such consent, these inquiries are unauthorized and should be removed immediately.
Product: Credit reporting or other personal consumer reports

I seeked information regarding 2 credit cards on 2 separate dates. 1 for a personal account in XXXX and 1 for a business account in XXXX. I never submitted a request for the cards only information. Both times a hard inquiry appeared on my report. I am trying to purchase a house and I do not need these unauthorised inquiries on my report. The second inquiry I was not committing any fraud, I followed XXXX XXXX requirements of reporting a personal account while trying to open a business account. While trying to read the terms and agreements page it did not properly load and I pressed the refresh page and the application was submitted and approved and immediately I received 4 notifications from XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX that a NEW hard inquiry appeared on my personal credit report. I never requested this I immediately contacted them and asked them to remove the inquiry and they told me they withdrew the application as it was not intentionally submitted ( the account was approved ) but I didn't care and it was not my plan. I did not wish for the inquiry on my personal credit and I did not authroize it the credit report was enquired using my EIN which is valid and up to date. On there application there was no place requesting for my personal social security number. I did not authorise this and I politely request the removal of these 2 inquiries from my report. The same thing happened with the personal inquiry in XXXX I never requested credit from them and I never received anything from them. I was out of the country and this is why I am asking this now in XXXX and not in XXXX. Thank you