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

All 3 bureaus AND the creditor continue to report an account that has passed its 7 year stale date. The bureaus are illegally using " dispute '' dates to correct info that's wrong to add to the last reported or last payment dates, in an effort to favor the creditor to keep the accounts on my reports for longer than the 7 year time frame for negative debt. I have not had any contact with this creditor in 7 years. There's been no activity or movement on it. Therefore it expired in XXXX XXXX XXXX along with the creditor they acquired XXXX. 

It's months past time to remove both! If they are not removed promptly by all, I will not hesitate to sue the bureaus for inaccurately keeping info on my report, and adding incorrect dates in an effort to favor the creditor. The creditor doesn't care they'll go along with whatever the bureaus decide but if these 2 accounts are not removed with this dispute I will file suit against all 3 bureaus and the creditor if I have to include them for allowing the inaccurate info to remain on my credit. This is your only chance to remove both accounts. If they are not then I will see you in court.
Product: Credit reporting or other personal consumer reports

I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. 

Here 's the wrong info : XXXX XXXX XXXXXXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error.

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.
Product: Debt collection

Today XX/XX/XXXX a debt collector agency contacted my family members and told them for which company they worked, and how much was owed on my account. I am unsure all the details but they called my family in looking for me with a number I was given XXXX which said they were American Express and the amount they stated was actually above the balance owed.
Product: Credit reporting or other personal consumer reports

There is a wrong account showing a late payment payment in my credit report. This is a mistake an i need proof for this account as true XXXX XXXX XXXX with a late paymentI formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX got something on my credit report that don't suppose to be there {$170.00} I don't know anything about this the address is XXXX XXXX XXXX XXXX XXXX, UT XXXX //// THEN ITS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX SAY I OWE THEM {$3700.00} I don't know anything about this .//// And XXXX & XXXX XXXX XXXX XXXX, XXXX TN XXXX day I own them its crazy I don't owe know them nothing {$2300.00} I think they say I need off my report asap and the wrong names and addresses
Product: Credit reporting or other personal consumer reports

This letter serves as a formal Notice of Dispute regarding the inaccurate, outdated, unverifiable, and unauthorized information appearing on my credit report. I am writing in response to your correspondence dated [ insert date of their response ], which I received through the CFPB Complaint Portal. Your investigation results fail to adequately address the issues raised in my initial dispute and do not comply with your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Act of 1974, 5 U.S.C. 552a. 
Specific Disputes and Concerns : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) : Your response states that this item has been verified as belonging to me and that certain fields have been modified. However, you have not provided any evidence or documentation to substantiate the accuracy of the reported information. The account opening date and late payment notations remain incorrect and exceed the permissible reporting period under 15 U.S.C. 1681c ( a ) ( 4 ). Additionally, no written authorization was provided for the reporting of this account, violating the Privacy Act of 1974, 5 U.S.C. 552a ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) : While you claim that this account has been updated, the delinquent payments reported were resolved prior to the reporting period. The continued inclusion of this inaccurate information violates 15 U.S.C. 1681e ( b ), which requires " maximum possible accuracy '' in consumer reports. Furthermore, the furnisher has failed to provide verification of the debt, as required under 15 U.S.C. 1692g ( b ). 
XXXX XXXX XXXX : Your response asserts that this item is reported correctly, yet no evidence or documentation has been provided to substantiate the total balance owed. The furnisher has failed to validate the debt despite multiple requests, violating 15 U.S.C. 1692g ( b ) and 12 C.F.R. 1022.21 ( c ). Additionally, the continued reporting of unverifiable information violates 15 U.S.C. 1681c-2, which mandates the blocking of disputed items stemming from identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) : While you state that this item is not currently reporting on my Equifax credit file, I demand written confirmation that this account has been permanently removed and will not reappear on my credit report in the future.

Legal Basis for Dispute : 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to adopt reasonable procedures to ensure " maximum possible accuracy '' of information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits furnishers from providing inaccurate or unverified information.

15 U.S.C. 1681c ( a ) : Limits the reporting of certain derogatory information to seven years.

15 U.S.C. 1681b : Restricts consumer reporting agencies from adding items to a report without written consent.

Privacy Act of XXXX  ( 5 U.S.C. 552a ) : Protects again
st unauthorized disclosure of personal information, including consumer reports.

15 U.S.C. 1692g : Establishes the right to debt validation by furnishers.
Product: Debt collection

Im requesting a deletion from Fair Collections and Out. I have requested a copy of the original contract between me and the Overlook who is the Alleged original creditor. I still havent received any proof of any contract with either party and its been over 60 days. The is has been an inconvenience to my life and I with like to be compensated
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act " XXXX XXXXXXXX XXXX Account # XXXX and US Dept of EDU Account # XXXX, has violated my rights. 

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, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX  XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$640.00}
Product: Debt collection

The account ending in XXXX, account status : XXXX, owner : XXXX account type : XXXX, Creditor classification : XXXX, loan type : XXXX XXXX XXXX, creditor original name : Capital One Bank USA, opened : XX/XX/2022, balance : XXXX 
Collection account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have NEVER opened this account. I AM a VICTIM of Identity Theft. Never have I given consent/authorization to open this account in my name. I highly suspect my own mother is stealing my identity since I was forwarded the statement account from Capital One and reviewing the transactions, I believe they are relevant to her everyday purchases. I CAN provide you with her personal details. She used to reside at the address mentioned in XXXX  hence why the letters being sent were not " undeliverable ''. I use this address till this day because it is my home address but the home owner is my father. She is divorced from him. When speaking with both banks, XXXX XXXX  and Capital One I also know it is my mother because the agents had mentioned there was a XXXX  speaking agent preference, she does NOT speak fluent XXXX and I do speak fluent XXXX, why would I request this if it were me? She opened another account using my name and XXXX with XXXX and upon speaking with them, it resulted she had used her XXXX  email to open this account. I do not know if she used her XXXX  email to open this account, NEVER would I use someone else 's email to open an account under my name. The phone number used is indeed her 's but since I reside abroad I do not own a XXXX  card and she lends me her phone number to help me with XXXX codes, that sort of nature. When being shared the statement account I see both of my surnames are reversed and legally this is NOT my name. NEVER would I provide my name incorrectly if it were me. I have been living XXXX  for the past XXXX  years so there is NO way for me to open this account and make these transactions, I do NOT even own a vehicle which I see there was a payment with a car dealership with XXXX XXXX XXXX located in XXXX XXXX and I know she owns a XXXX. I have proof/evidence that I have been living abroad during these XXXX  as well. Please, I require written communication this has been thoroughly investigated/this account has been re-opened, fully investigated and completely DELETED off of my credit report under MY name. I had spoken with XXXX of your representatives from XXXX, I will fax over this Affidavit of Fraud report. I do have personal details for my mother so this debt can be transferred to her name. I have been contacted by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX and mentioned Original Creditor : Capital One Bank ( XXXX ), XXXX. account number : XXXX, XXXX : XXXX that this account remains valid, due and owing. I am prepared to receive assistance in clearing MY name and have this transferred to my mother 's name since she had STOLEN my Social Security number and name. It is apparent she used my identity to open this account and took advantage that I've been living abroad for the past XXXX  years and open accounts under my name.
Product: Credit card or prepaid card

I have called Community Bank ( XXXX store card ) over a dozen times regarding this issue. We'd like the total fees of XXXX reversed and to pay the remaining balance in full. 

On XX/XX/2022 I received a suspicious text message to call the bank. I called the bank 's main number listed on the website and spoke to a Comenity Bank rep who told me there was no issue with our account and that it was paid in full. 

I received an email weeks later saying our account was past due. When I investigated, the account indeed was not paid in full and our promotional balances had expired. I have called numerous times since then. I was told a dispute was filed and it would take 90 days, this was XX/XX/2022. I called in XXXX and was told it was not complete. Again in XXXX, same answer. Twice again in XXXX. On XX/XX/XXXX I was told by a rep they would email the dispute department to get an update and I would again have to call back. 

I called again XX/XX/XXXX and spoke with a supervisor who said there were no notes on the account and no email was sent. As the consumer it feels like there is some type of intentional ethical issue here trying to prevent us from completing this dispute and reversing the interest charges and other fees associated with the false information we were provided by a Comenity rep in XX/XX/2022. 

Finally I was able to escalate to the executive team at Community and XXXX and was promised it would be resolved. I received a letter today that Comenity is not refunding any of the fraudulent charges and are refusing to correct the fraudulent information provided to us by a Comenity bank representative.
Product: Credit reporting or other personal consumer reports

Over the past year I have been submitting disputes to all three credit agencies Equifax, XXXX and XXXX as well as to various collection agencies about reporting information on my credit report that was caused due to identity theft. I have constantly sent letters and within a weeks time the accounts are coming back as verified. I have no knowledge of these accounts. I sent a letter to all agencies asking for method of verification and I have yet to receive anything back. My last letter I sent to them was on XX/XX/24 by certified mail. I have suffered financially, and this has caused undue stress to myself and my family. I continue to dispute this information but get no where. I even submitted a letter from the Department of Justice stating that I was a victim of identity theft and my personal information has been compromised. I also let them know that I was apart of the Equifax data breach and since that time several accounts were opened in my name. What are my options here am I to get an attorney involved at this point. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING INACCURATE FALSE INFORMATION ON MY CREDIT PROFILE TO SECONDARY AND THIRD PARTY COMPANIES. PLEASE REMOVE THESE FRAUDULENT ITEMS AS TO THESE ACCOUNTS DO NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the immediate deletion of the following accounts from my Experian credit report. These accounts are unknown to me and inaccurately associated with my credit profile. Below are the details of the disputed accounts : XXXX XXXX XXXX Account Number : XXXX Creditor Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor Address : XXXXXXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that only accurate and verifiable information appears on my credit report. Since I do not recognize these accounts and they lack substantiating documentation, I demand their immediate deletion from my credit file.
Product: Consumer Loan

Was let go from my job. Can not start my new job till I sell my house. Which is being sold for {$170000.00}. Which is paid off in full. I have been harassed by Bank of America, being call at least 20 times in less then two weeks. I have spent at least XXXX hour if not 2 hours every time Bank of America calls. I have explained everything to every department 2 times, explaining my situation. Also went up to bank of America three times to fill a complaint. Was told today after speaking with upwards of XXXX people, only way to stop the calls was to fax a number to stop calling me. Also told them soon as my house is sold, was going to pay it off in full. I only owe {$9000.00} on my truck. And it 's worth {$25000.00}. Since I had my truck, i have paid double and triple payments at one time. Also paid XXXX dollars every XXXX when I get my bonus. I asked for help, asked what I could do. Finally today after who knows how many calls and people who I have spoke with. Was told to fax the number, but I have 5 days till I get turned into the credit bureau. After I paid half a payment, and told them my situation. I closed my checking 's and savings account there, because of the lack of help I was receiving. I 'm going through the same thing with XXXX, and they have offered me a two months extra to catch up. And I 've only talk to them two times. On Friday alone I was called four times, after speaking to the loan department supervisor. Not to mention I have been in a Bank of America customer for over 16 years. And have never missed a payment or never owed Bank of America any money. So with five days left now, tell my credit get s A bad report. After speaking with numerous people. I could 've sold my truck and avoided all of this. If XXXX of the XXXX people I had spoken with would 've told me this from the beginning. I have asked over and over what to do how I can make things better. We 're just for some help. I feel like I was lied to, and suckered into getting a bad credit report by Bank of America. Because they were mad that I close my accounts with them. If I was told I was going to get a bad credit report from the beginning, I could 've sold my truck or traded it in. And none of this would be happening. Bank of America has harassed me for the last two weeks. And not XXXX person has told me the same thing after speaking with over XXXX people. And being transferred from department to department to speak with somebody else who does n't know what 's going on. To be transferred again. And be put on hold for hours at this point.
Product: Debt collection

I made contact with Credit bureau Systems inc on XXXX-17 and advised them they where reporting an invalidated account. They continues to attempt to collect on a account that is not mine in my state of Texas in which they are not licensed. I demand immediate removal from my credit report of I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries and inaccurate personal information from my credit file. I need the following items removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

according to my credit report XXXX XXXX cancelled my debt but it is still reflecting as debt. according to the IRS anytime a debt is cancelled it has to be filled as income on a 1099 c form. so based on what the IRS says it is income not debt. so my credit report is inaccurate. so there's inaccurate information on my credit report that needs to be removed. According to the FCRA my credit report has to be accurate and if its not it must be removed and if they don't they are breaking the law which I can sue. so I am asking XXXX XXXX to remove this account off my credit report because it is inaccurate..The tax impact of debt forgiveness or cancellation depends on your individual facts and circumstances. Generally, if you borrow money from a commercial lender and the lender later cancels or forgives the debt, you may have to include the cancelled amount in income for tax purposes. The lender is usually required to report the amount of the canceled debt to you and the IRS on a Form 1099-C, Cancellation of Debt. There are several exceptions to the taxability of cancelled debt, such as insolvency or bankruptcy. according to the FRCA XXXX Transunion and XXXX must delete this information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.