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

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter and you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit card or prepaid card

Bank of America credit card -Because BofA made a political statement about the XXXX XXXX they are forcing me to choose between my support of their company via a BofA credit card I use from my alma mater, and my support of the XXXX . They should stick to the business of banking and keep out of political arguments. I am very frustrated they have done this, and would like my complaint to be registered.
Product: Debt collection

I owe Northwest Collections {$0.00}. I have contacted them many times and disputed the collections on my credit reports and they have failed to remove the " collections. '' There were XXXX separate red light tickets that were paid directly to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding items on my credit report.. I has been well over 30 days and I haven't received any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXX XXXXDispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX about my credit report. The reported status of my loan is incorrect. For one, l filed bankruptcy and the loan was never reaffirmed. So why is it still bring reported when they had previously halted reporting my credit to the credit bureaus. Then secondly, l was on forbearance and my payment was not due for the reported late payments reported to Experian. I called last week about this and l am appalled at XXXX because they are purposely doing this as l keep having problems which is ongoing. I want this corrected and my loan was not reaffirmed after my XXXX XXXX XXXX They are in the wrong and l want this fixed. My credit already negative due to the bankruptcy and lm trying to rebound. Yet, XXXX is not helping my situation as they are reporting in bad faith.
Product: Credit card

I urge you to review the attached documents. I want the bureau to begin an investigation into these accounts, as I have never missed a payment on them, but they are inaccurately listed as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2019 I sent TransUnion a letters regarding errors on my credit report. The letter was about inquires that were not authorize by me nor did I give permissible purpose to request my credit profile. I received a responses on XX/XX/2019 from TransUnion explaining inquires. They did not take the time to investigate the inquiries. This is a violation of the Fair Credit Reporting Act. They are required to conduct an investigation. I requested that they provide me with proof of investigation. They did not send me any proof. I have concluded that they did not do an investigation and sent me a computer generated response. It does not say who they talked, when they talked to them or what type of evidence they gave to support theses accounts. This is a violation of the fair credit reporting act. I included both my ID and Social Security card to prove my identity. The inquires should be removed from my credit report immediately. I have attached my original letter and TransUnion response. 

Thank you XXXX XXXX
Product: Debt collection

This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

After escaping an abusive marriage of 12 years I have been working on repairing my credit. My ex-husband didn't adhere to the stipulations of the divorce pertaining to unpaid debts, nor did he pay child support as he is over {$90000.00} past due. In the last two weeks my credit score has been increasing and I was alerted I was over XXXX! I was elated and so excited and proud of myself. In addition, I had applied for a house for myself and my five kids to move to as my lease is expiring where I live and I can no longer afford the rent. About a week or so ago I noticed some credit lines  from BMW didn't have the correct loan dates reporting so I filed a dispute. Last Friday, after incorrectly reporting the loan dates and the lines of credit as open and past due debts BMW decided to report the debt as a charge off which took my score under XXXX in one day. I am not sure why BMW would retaliate against my dispute in such a harmful way. I was advised today due to the drop in my score I am no longer eligible for the rental home I was moving my family and my available credit on two of my small balance credit cards was reduced. Three years of incorrectly reporting, and now they decide to report as a charge off - with COVID, a loss of income, no child  support and now my credit is below XXXX again and I am homeless. This is how BMW handles consumer issues by causing consumer harm? I have no where to move my children to - BMW incorrectly reported the debts - rather than making such a large change aware of the impact it would have on my financial reporting they should have done the right change and updated the credit history - instead BMW has taken a single mom and made her homeless.
Product: Debt collection

I'm submitting this complaint in reference to KOHLS/CAPONE  knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof *TO SEE* Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I, XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC us 641, et esq
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXXXXXX - Account number : XXXX This account was recently placed on my credit report as a charge off incorrectly by Experian. This has caused a XXXX point decrease in my credit score and I have called and was told that it would be corrected and it hasn't been. I have included a copy of the incorrect reporting along with the way that it's reporting on XXXX as well as XXXX, both of which are reporting correctly. Please REMOVE CHARGE OFF and update my credit report or remove the entire account immediately as this is unfair and a major inconvenience. I'm working to build my relationship with XXXX to apply for other credit card products and this is preventing me from doing so. I have already been denied credit limit increases and this will cause me to get denied for any other XXXX cards that I apply for. I have sent messages to @ XXXX ATTN : XXXX XXXX, as well as written letters to the CEO XXXX XXXX regarding this issue. 
I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute.
Product: Checking or savings account

On XXXX XXXX I noticed my account was overdrawn since it was the weekend the transfer did not go through till Monday so I was charged 74 dollars for being 60 dollars over then on Thursday XXXX XXXX I was charged a sustained overdraft fee of 30 dollars because my direct deposit didn't go through till the XXXX so over 100 dollars in fees. When I called they said they would refund me one fee I noticed they did not and was charged another fee so I called back and was told doesn't matter wat was said my account is not eligible for a fee reversal doesn't matter if the issue wasn't my fault or not this has happened with citizens bank on multiple occasions
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

CAPITAL ONE XXXXXX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Harrison finance employees has been calling from different numbers and does not leave a message saying what company they represent or what the call pertains to.. they simply leave messages stating a name only when calling my phone. It has gotten to the point where they called my job everyday 3x a day as well as family members who I never listed as a reference. I am starting to believe they are looking up my family in the cities directory because they have even started calling my wife 's family and we just got married a month ago and I received this loan almost a year ago. 
I have sent in partial payments and the company states that they will not except anything but full payments. I have asked numerous of times for them to simply stop calling but now its has lead to full time harassment.
Product: Credit reporting or other personal consumer reports

Transunion is reporting the same account now 3 times. Its has the exact same pay history as the other two. How can the same account be listed three times on my report. Transunion is doing this purposely to lower my credit score. Correct this by listing this account only once. You have a legal obligation to comply with the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a closed account from XXXX XXXX XXXX listed on my credit report as a closed account with late payments, as per the Fair Credit Reporting Act ( FCRA ). This account has been turned over to an attorney. I am actively making payments towards this debt, and have been every month since XXXX of 2023 when the account was turned over to Attorney law XXXX XXXX XXXX XXXX of XXXX Ohio. 

Under Section 1681i of the FCRA, consumers have the right to dispute any inaccurate or unverifiable information in their credit reports. Given that this account is closed and I am taking steps to resolve the outstanding balance, I believe its continued presence on my report is not reflective of my current financial responsibility.

Additionally, under Section 605 of the FCRA, accounts that are paid or settled may be removed from a credit report after a certain period. I kindly request that you review my situation and consider the removal of this account from my report.
Product: Credit reporting or other personal consumer reports

Equifax early this month reinserted items that were deleted from my account last year Now without notifying me in writing which is illegal by law. I want these items deleted asap
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$0.00} These accounts has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX I received a letter from AWA COLLECTIONS requesting payment for an account they have no right to collect on. I sent a certified letter on XX/XX/XXXX asking for validation of the debt ( pursuant to Fair Debt Collection Practices Act, 15 USC 1692g section 809 ( b ) ), they did not provide the validation information. On XX/XX/XXXX they reported the same account to XXXX  as delinquent. They need to remove from my credit report as they did not provide me with a sign agreement that shows I agreed to pay this debt to them back in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My full name is XXXX XXXX XXXX Fifth Third has incorrectly reported my name to XXXX XXXX XXXX. My name in full above was not reported. Under Federal law, I demand the information be removed.
Product: Debt collection

I XXXX XXXX entered a consumer credit transaction with Capital One Auto Finance on XX/XX/2020. I investigated and found fraud and several violations committed by Capital One Auto Finance. A consumer credit transaction in which finance charged was involved. 

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A, Exhibit B, Exhibit G and Exhibit H that Capital One Auto Finance is violation of 15 USC 1605 ( a ) regulated by 12 CFR 1026.4 ( a ). A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. Since XX/XX/2020, Capital One Auto Finance in fact, took cash as a monthly payment as shown in Exhibit A, Exhibit G and Exhibit H and took cash as a down payment as shown in attachment labeled Exhibit A and Exhibit B. Capital One Auto Finance is liable pursuant of 12 CFR 1026.1 ( e ).

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that Capital One Auto Finance is in violation of 15 USC 1605 ( a ) ( c ) regulated by 12 CFR 1026.4 ( b ) ( 5 ). This transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligation loss, and or property damage. Since XX/XX/2020, Capital One Auto Finance did not include my insurance in my finance charge as shown in Exhibit A, Exhibit C, Exhibit D, Exhibit E and Exhibit F. Proof I had to obtain insurance is shown in Exhibit C, Exhibit D, Exhibit E and Exhibit F. Capital One Auto Finance is liable pursuant to 12 CFR 1026.1 ( e ).

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A, Exhibit B and Exhibit H that Capital One Auto Finance is in violation of 15 USC 1611 regulated by 12 CFR 1026.1 ( e ). Since XX/XX/2020, Capital One Auto Finance willfully and knowingly failed to provide/disclose information. Required under the provisions of 15 USC 1601. Capital One Auto Finance willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601 ( a ) and 12 CFR 1026.1 ( b ). Capital One Auto Finance is criminally liable.
Product: Credit reporting or other personal consumer reports

I have been disputing this bankruptcy # XXXX since 2021 I sent numerous disputes and they still have not removed it off my credit report. This bankruptcy does not belong to me and this bankruptcy is not in my name. My name is XXXX XXXX and the bankruptcy is under the name XXXX XXXX which is proof it doesn't belong to me. XXXX and XXXX have removed this bankruptcy off my credit and Transunion is suppose to remove it as well. It is fraudlent and Transunion is violating my rights under the fair credit act code 15 USC 1692 a ( 4 ) and I want them to remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the following inquiries : XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed an account in the amount of {$3200.00} that was in collections to have been open fraudulently. It was removed from my credit report. In XXXX it was re-inserted to my credit report and I was not notified! This reinsertion has lowered my credit score and also started the illegal re-aging of this account. The account is now open and was last reported XX/XX/XXXX. I sent a certified letter to Equifax asking they remove this account from my report. I haven't received a response. Now the company is sending me letters to make a payment when I never received a letter stating this account would be reinserted!