23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

American Express has discriminated against i the consumer on XX/XX/2022. This is a violation under tittle 15 chapter 41 pursuant to ( The Equal Credit Opportunity Act ) It shal be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction - 15 USC 1691a ( 3 ) - because the applicant has in good faith exercised any right under this chapter. 

Under tittle 15 chapter 41 congress lets me know that credit is a right. 
( Truth in Lending ACT ) 15 USC 1602f - The term credit means the RIGHT GRANTED by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 

15 USC 1681M -adverse action letter American Express has violated my consumer rights 1 ) 15 usc 1642 2 ) 15 usc 1681M 3 ) 12 CFR 1002 Both letters dated on XXXX XXXX and XXXX XXXX Is both proof and evidence that I have been discriminated against, you are also criminally liable American Express should resort to reasonable procedures to rectify this unfair and compensate me for the use of my Social Security number. Otherwise, this would be considered an unauthorized use since I have received no benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from the three credit bureaus that I had a collection account from XXXX XXXX. Account ending in XXXX. This is not my account. I have never been out of the state of Delaware. This company is located in another state across the country. The day they stated I opened the account I have bank statements that show I was not in that area. I submitted proof on multiple occasions to all three credit bureaus ( XXXX, XXXX, and Transunion ) that this was fraudulent. After submitting multiple letters for dispute all 3 times this account was considered validated by the creditor. It is very disappointing and sad to know that three alleged trustworthy bureaus did not apparently investigate or they would have known without a doubt that it was not my debt. I provided bank statements to the bureaus, as well as the cops to prove this was not an account I had opened. This proves the bureaus are not doing their job and are illegally validating consumers debts without investigating.
Product: Credit card

Kindly review the attached documents. I urge the bureau to start an investigation into these accounts, as I am never late, contrary to their current reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX account ending in XXXX, I want this account deleted due inaccurate reporting. XXXX XXXX is reporting 30 days late in XX/XX/2017. I was not late and made my payment on time XX/XX/2017. The only way to legally prove that the account is reporting accurately is for XXXX XXXX to show their bank statement proving I did not pay on time XX/XX/2017. If the bank statement document from XXXX XXXX can not be provided then the account can not be legally verified and must be deleted. Any verification or update without the legal document being XXXX XXXX  bank statement would be hearsay.
Product: Credit reporting or other personal consumer reports

See attached, this item was charged off and has EXPIRED now past the legal 7 years it's required to remain on my credit! It expired in XX/XX/2023 yet here it is XXXX and it remains on my report. It DOES NOT MATTER that it was transferred to some other agency or whatever. This is the only debt that shows and it is NOW EXPIRED!!!!! It's time for you to remove it or risk being sued. I have several old negative accounts on my credit that have all expired and you've left them on my credit including Lendmark which expired LAST YEAR!!! Get it the XXXX off of my credit or risk being sued! Think I'm playing? Try me!!! I have all of the black and white proof even the reports showing how you illegally changed dates on my reports on negative and good old accounts, refreshing them and lowering my FICO. I've had enough so it's time to take legal action for violation of the FCRA laws if you refuse to remove these expired accounts!
Product: Credit reporting or other personal consumer reports

I recently discovered several discrepancies and inaccuracies in my credit report, which were provided by XXXX, Equifax and XXXX. These errors have had a significant negative impact on my financial standing and have caused unnecessary distress and inconvenience. 

According to the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information about consumers, ensuring that their credit reports are fair and reliable. However, upon reviewing my credit report, I found the following violations of the FCRA : XXXX. My name is incorrect XXXX. They stated that my accounts are Verified... 

XXXX. They have not sent the requested documents to prove the accounts are Verified.. 

I have made several attempts to rectify these errors by contacting XXXX, Equifax and XXXX directly. However, their response has been unsatisfactory, as they have failed to promptly investigate and correct the inaccuracies as mandated by the FCRA. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take appropriate action against XXXX, Equifax and XXXX. I believe that the violations mentioned above not only infringe upon my rights as a consumer but also undermine the integrity of the credit reporting system as a whole. 

Enclosed with this letter are the supporting documents, including copies of my credit report highlighting the errors, correspondence with XXXX, Equifax and XXXX, and any other relevant evidence. 

I trust in the CFPB 's commitment to protecting consumers ' rights and ensuring fair credit reporting practices. I request your prompt attention to this matter and a thorough investigation into the violations by XXXX, Equifax and XXXX. Additionally, I would appreciate regular updates regarding the progress of this complaint. 

Thank you for your attention to this matter, and I look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting. 

Sincerely,
Product: Credit reporting

Transunion is required by FCRA to report accurate and complete information on my credit report or delete reporting the inaccurate items after investigation.VA DEPT SOCIAL SVS DCSE, ACCOUNT NO. XXXX ... .WAS reporting an XXXX balance owed for 5 years 7 months after it was paid until this week ... ... for these 5 plus years it was false and damaging to me, entitling me to seek court redress against the furnisher.Transunion has allowed the furnisher to update the record partially and not completely.Transunion allowed the furnisher to backdate their error, to hide the fact of the injury to me to allow the furnisher to say in writing that the error was corrected in XXXX instead of last week.THE DATE OF LAST REPORTING MUST SAY XXXX XXXX NOT XX/XX/XXXX.ITS TRUE THE FURNISHER CORRECTED THE BALANCE TO XXXX BUT THAT SHOULD HAVE BEEN DONE 5 YEARS AGO.TRANSUNION AND THE FURNISHER HAVE PUBLISHED THAT THE CORRECTION WAS MADE IN XXXX WHICH IS FALSE INFORMATION. 
ALL INFORMATION MUST BE ACCURATE INCLUDING THE DATE OF LAST REPORT. 
I CAN COLLECT DAMAGES FROM THE FURNISHER FOR THE FRAUDULENT REPORTING FOR 5.5 YEARS.I HAVE GIVEN YOU THE CHANCE TO DELETE REPORTING BUT YOU HAVE CHOSEN TO HIDE YOUR ERROR BY FURTHER MISREPORTING SO AS TO AVOID DAMAGES, LOSS OF EMPLOYMENT, ETC.
Product: Credit reporting 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 $ I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request an immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$440.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$160.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$3900.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2300.00} XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$410.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$500.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2500.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX TransUnion : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$440.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2300.00} XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2500.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification of a collection from XXXX alerts. The notification indicated that I had a collections account from XXXX XXXX XXXX for {$200.00} dollars for a hospital visit covered by insurance for my daughter. 

The account and I had not received notice of a existing balance with XXXX XXXX XXXX. 

The account was paid as agreed and is still listed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX is reporting a bankruptcy on my consumer report and they have put in the data furnisher as being The US Bankruptcy XXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy XXXXXXXX XXXX  XXXX verifying and stating that they do not furnish information over to the credit bureaus or any 3rd party companies. TransUnion and XXXX is falsey stating this information on my consumer report and have yet to remove this from my consumer report.
Product: Credit reporting or other personal consumer reports

I have sent multiple letter to Equifax requesting the information needed as to why they are allowing the creditor ( XXXX XXXX XXXX XXXX ) to furnish two late payments that I have shown proof that the creditor is doing unlawful acts. Its not lawful to post a late payment without providing proof that the creditor sent the consumer ( ME ) a periodic statement along with the disclosures from section 1637 ( b ) 21 days before payment due date.

I have attached a letter I have written out to express my frustrations using consumer law facts. My information and everything needed to pull up my credit report will be included in said letter.

You guys are violating my rights!!!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit card or prepaid card

Wells Fargo closed my credit card accounts with no warning on XX/XX/XXXX. My credit card had a negative balance at the time due to overpayment. Wells Fargo informed me I would have the money within 1-2 business days transferred into my checking account. When the money had not arrived, I called again and they told me it would be up to 1 week. Again, I waited a week and the money has not arrived. I called the bank again yesterday, and they've told me there is now no expected resolution. They have fed me false information when I could have taken other means to transfer my money, and are now holding my money hostage. This is theft. My Wells Fargo case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is denying me access to do my disputes on line. I have submitted all accurate personal information and they keep saying that the information does not match their records. I have initiated a lawsuit as they are breaking the law by not allowing me access to submit my dispute of fraudulent information on my credit report. Due to this denial, I have been denied credit and have sustained XXXX   XXXX. Equifax was breached and my information was compromised and they are barring me from submitting my disputes. I am entitled to have fraudulent information removed from my report.
Product: Credit reporting or other personal consumer reports

. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request a detailed explanation of the charge-off, including the original amount owed, any interest or fees applied, and a breakdown of the calculations leading to the charge-off. 

Additionally, please provide the following : Proof of Debt : Documentation showing the validity of the debt and the amount claimed.

Charge-Off Details : Clarification on how the charge-off was determined and any attempts made to collect the debt prior to this action. 
Please consider this request as my right to dispute the debt and verify its accuracy under the aforementioned laws. I expect a response within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Vehicle loan or lease

I asked for debt validation as per 15 usc 1692g a ( 1 ), ( 2 ), ( 3 ), I asked for the following : the original contract stating any obligation to this debt. Who is the debt owed to and who was the original creditor that extended credit. I submitted to them different letters and phone calls. They did not respond with the validation requested. I stated if they were unable to find the request then im not obligated to pay anything and the debt is null and void and they arent able to collect. I also submitted a cease and desist in my letters on phone communications of contacting my family members or selling my address to other companies. Im being XXXX and people are being sent to my house without my consent. They are using abusive practices.
Product: Credit reporting

There is a lot of inacirate data still on my report, XXXX XXXX had another company come after me and I sued them and we settled out of court. This should not be on my report anymore because of the settlement, XXXX funding was a company that I sued under the FDCPA and settled out of court and this needs to be removed, I signed an agreement stating that I would not show the settlement to anyone. XXXX XXXX XXXX hired XXXX XXXX and they should be removed because of settlement terms, I have never had a XXXX XXXX account, portfolio recovery has never shown me proof that I owe something, never had a reeds jewlers account nor have I been shown any proof, and any other items on my dispute list are not my accounts not have I been shown defenative proof. I am unable to send settlement documents because of a signed agreement but XXXX XXXX XXXX, XXXX, and XXXX XXXX all need to be removed due to settlements. All other disputed items, I have been shown no signed documents. The credit agency is supposed to remove incorrect information and has refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$240.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that are appearing on my credit report that are not mine I have been disputing this since XX/XX/2020 and I have not gotten anything back from the bureaus regarding this investigation. I have filed a FTC for this and mailed out multiple letters regarding this and I need it taken care of ASAP. 
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Debt collection

REFERENCE NUMBER XXXX COMPANY AGREED THIS WAS AN ACT OF FRAUD. IDENTITY THEFT. HAVE SUBMITTED POLICE REPORTS. YET IT 'S STILL ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance Corporation ( po box XXXX XXXX SC XXXX ) has closed my account/written off debt. But continuously keeps reporting that I owe a balance to them. Trying to tank my credit score on purpose this has been going on since XXXX. I initially borrowed $ XXXX {$400.00} now they are saying I owe them in the amount of {$3300.00}. I am currently in bankrupcty they are fully aware that I am and yet still keeps trying to sabotage my credit score on purpose. They have even went so far to check my credit score without my permission. My discharge date is XX/XX/XXXX if this continues I will have no choice but to pursue legal action against this company. For being in violation with the FDCPA. They are fully aware of what they are doing, and I fear that they maybe doing it to other consumers.
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 EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00}.
Product: Debt collection

I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even to establish additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!