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

I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts. 

Account Name : XXXX  XXXX XXXX Errors Found : This account only shows a " Date of last activity '' on the XXXX XXXX  but not one on Experian and this account was verified as accurate which clearly putting false and incorrect statement on my credit report which a direct violation of the FCRA and my consumer rights and I know its is no possible way the accounts were opened on 2 different days. 
Action : Please Delete Immediately Account Name : XXXX XXXX Account Number : XXXX Errors Found : The Date of the last activity on this account is incorrect Action : Please Delete Immediately, so how were these items verified and show as being accurate when there clearly not this is clearly a violation of the FCRA and my consumer rights Account Name : XXXX XXXX XXXX Account Number : XXXX This account has the wrong Date of Last Activity on it and The balance on this account wrong, this account was added on to my credit report with out my written consent and that's clearly a violation of the FCRA and my consumer rights Account Name : XXXX XXXX Account # XXXX Errors : This account is showing the wrong date of last activity on the account and the balance still reporting my credit report, and this account was added on the my credit file without my permission or written consent and I know thats a violation of the FCRA and my Consumer rights, and to top it off this was verified as accurate and I'm not seeing how that is remotely possible if all 3 credit bureaus say something different. 


I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent previously I asked you to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Credit card or prepaid card

I received a promotional offer from Barclays about 0 % APR upto XX/XX/XXXX, with only balance transfer fee of 4 % and no other fee. After a few weeks into the offer i see that they have charged me a minimum payment which is due on XX/XX/XXXX. I had multiple calls with their customer service teams which i believe is based in a XXXX  country, and they keep misleading the customer by giving them false information without logging proper details of the calls to the extent of giving information which may not be true just to get an upset customer off their back, and when i have called on the following day i was given a totally different answer by the agent who handled the call at that time.I was even assured by one of their team leads in US that there will be no charge till next year XX/XX/XXXX but now they have gone and billed me a monthly minimum payment due. I would lodge a complaint for misleading me entirely not only thru false advertisement but also thru their call centers and their agents, this has negatively affected my credit score and I have spent countless hours in trying to resolve this issue without any luck, I wish to cancel my card and be compensated fairly for my losses
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with this company. These people are trying to make me pay money that I do not owe and continue to harass me.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft back in 2014 where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life, and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report from XXXX XXXX XXXX that I closed out in XXXX and paid the account in full. For the last 8 years this account has been showing an Open status with negative reporting. I have disputed this account multiple times through Experian with the latest dispute being in XXXX and another time in XXXX to correct the account information. Experian refuses to correct the information even after Ive provided documentation to show this account as closed and paid in full. Experian is purposely showing this account as Open with negative marks to continue to provide a low credit score. This is a closed account and I want my credit report to reflect the accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I was trying to get a personal loan today XX/XX/2020 and I was unable to because there are XXXX accounts and a handful of inquiries that do not belong to me. I have no idea who those accounts belong to or why they're appearing on my credit since I did not open those accounts and I did not give anyone permission to open these or any other account on my behalf. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliate to any of the companies listed on this report. I have filed a complaint with the consumer financial protection bureau as well as notified the companies to make them aware that the information they are reporting is not accurate and it needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT WHICH WAS NEVER OPENED BY ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FORM EXPERIAN AND XXXX. THEY ACANT ' DISCIRMENATE AGAINST ME LIKE THIS I JEOPERDIZE MY CREDIT FICO SCORE. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES. WHAT IS THE POINT OF ASKING FOR AN IDENTITY THEFT REPORT AND NOT HONORING IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several different occasions I disputed inaccuracies with Equifax due to XXXX XXXX  reporting inaccurate information. The only thing Equifax has done each time is send back letters saying account was verified and one time they changed the charge off month from XX/XX/2020 to XX/XX/2020 after I disputed a third time. Each time I sent out letters to Equifax I explain the inaccuracies of XXXX XXXX  and Equifax has failed me each time to investigate properly. Attached is evidence that is is clear that XXXX XXXX account is causing more damage to my credit report. Everytime I dispute they dont fix the error and it just lowers my credit score again. How is this fair to me. Under Fcra as a consumer I have rights also for credit report agencies to report accurate information. There is no need for me to give further detail as Equifax should know the laws. Not only did Equifax not fix the disputes I requested for removing the charge off they didnt even provide a method of verification of how they verified my payment history. I do not want this to be updated again. As I said Everytime they change a month my credit drops from the dispute. Equifax needs to remove this paid charge off with the incorrect payment history across all three major bereaus. It was never a charge off from the beginning. Insurance paid this account before the charge off was reported so why should I keep suffering for XXXX XXXX  mistake that Equifax has failed to fix on multiple occasions. Delete this account completely. I will seek legal counsel if Equifax does not completely delete this XXXX XXXX  account for their reckless reporting. I have provided enough proof which I shouldnt have to continue to do. Charge off dates amounts are not even correct. XX/XX/2020 charge off has XXXX  balance on two credit reports while on another credit report the XX/XX/2020 charge of balance has {$930.00}. This is so stressful. Delete this before I also sue to recover damages for this not being handled after multiple letters to Equifax. Thankfully I still have my dispute letters and so called verifications that Equifax mailed back to me. They claimed they verified my payment history but its clear that have not.
Product: Debt collection

They call continuous and I finally answered today XX/XX/XXXX and they told me very rudely that I owed XXXX on something I thought was paid in full. They bought this debt from someone and have been sending it to the wrong address and today they tell me if I dont pay in full at that moment that will will take legal action. I tell him whatever when he refuses to send me a bill to the correct address and hang up.Then he calls back and says that he will take this as a refuse to pay. I told him I was at work and could not do this now and he says that he would take that as a refuse to pay also.
Product: Credit reporting or other personal consumer reports

I did not apply for a XXXX XXXX XXXXXXXX credit card. My TransUnion credit dropped by XXXX points. I want that corrected.
Product: Credit reporting or other personal consumer reports

I am writing to make a second attempt to dispute and request the correction of multiple fraudulent and inaccurate items on my credit report. These items include incorrect addresses, late closed accounts, charge-offs, collections, and unauthorized inquiries. Despite my previous dispute, these inaccuracies persist on my credit report, negatively affecting my financial standing and creditworthiness. 

Below are the details of the fraudulent and inaccurate items that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX 

I have once again attached copies of my credit reports from Experian, XXXX and XXXX Credit Bureaus, highlighting the fraudulent and inaccurate items I am disputing. 

It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history, and I have never authorized or consented to the inquiries from the entities mentioned above. The late closed account, charge-off, and collection claims are also disputed as I have made efforts to resolve these issues, and I have documentation to support my claims. 

I kindly request that you take immediate action to rectify these fraudulent and inaccurate items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed items on a credit report and to provide me with the results of your investigation within 30 days of receiving a dispute letter. 

Therefore, I kindly request that you : *Conduct a thorough investigation into the accuracy of the addresses, late closed account, charge-off, collection, and unauthorized inquiries on my credit report. 

*Contact the respective creditors, collection agency, and entities responsible for the inaccuracies to verify the information. 

*Correct the erroneous information on my credit report to accurately reflect my true credit history. 

*Provide me with a written response outlining the results of your investigation.
Product: Credit reporting or other personal consumer reports

Hello Looking at my credit report and disputing with the XXXX bureaus which have gone nowhere and now no correspondence from them, I still have discrepancies that must be removed immediately. 
These discrepancies are majorly impacting me from providing a house for my family. 
According to 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. 

Account : XXXX XXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( 1 Account XXXX XXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( XXXX XXXX XXXX Bankruptcy Reference number XXXX, XXXX This has been on my credit reports for 9 years violating 15 U.S.C 1681c. ( a ) ( 5 ) I am asking for these accounts that are reporting incorrectly to be removed immediately. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my IBR income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XXXX XXXX. On XXXX/XXXX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XXXX XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.
Product: Debt collection

I was receiving calls for collections on a loan for XXXX starting since XX/XX/XXXX on a loan opened in XXXX in my name that I did not sign for, I then noticed it appeared on my credit report under a different company so I did further investigation. It seemed as all the same info matched as the prior company that would call me, my family saying it was an emergency, I explained to the company that I did not apply for a loan I did not work the places listed as stated, I do not bank at the institution where the money was deposited to. I did not apply for a loan. Its not my loan. I have now filed 2 police reports of identity theft I have contacted the 3 major credit bureaus, I have filed an FTC  affidavit of fraud. I dont know what else to do but I will not stop I can tell you that. I will NOT pay for a loan that is NOT mine! I told the company who is trying to collect if they trace down the Name to bank account it was deposited in to, Maybe that would solve this whole mystery?
Product: Vehicle loan or lease

I believe santander consumer is in violation of repossession back  in 2013. I also have tried to contact them in regards to receiving an itemized billing and payment history. They are sending me letters and harassing me as bills sent to my address are in correct and ruining my credit score since ive had them finan ce the car by  XXXX  Alabama. they do n't answer my phone calls and just made a payment that does n't reflect my account. This company is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting a {$540.00} balance to XXXX. XXXX and XXXX show a {$0.00} balance. So I dont know why they are refusing to correct XXXX. This account was charged and sold to a collection agency. The original creditor is not able to continue reporting a balance owed if the debt had been sold to collections.
Product: Checking or savings account

Called in told them I wanted account closed the guy closed my savings but not the checking. It stayed open. They charged me XXXX dollars in overdraft fees over 3 months and then closed the account refused to refund the fees and I owe the bank XXXX dollars after all the fees are refunded. They rearranged transactiosm to charge more fees. Have proof. And want this fixed
Product: Bank account or service

I 'm a member of the credit union in XXXX NC. I went into my local branch this morning to get my taxes done and i was treated very wrongly by a lady named XXXX XXXX. She was very rude and unprofessional and i told her that i will be sending a complaint about her actions this morning, i had her to return my tax documents and i left the branch and this is my complaint and i want to know what is going to be done about it and how soon. 


Thank You
Product: Debt collection

THE COMPANY IS CURRENTLY REPORTING AS COLLECTION IN MY CREDIT REPORT FOR A DEBT I DO NOT RECONGNIZED. THE COMPANY FAILS TO VALIDATE THE DEBT AS I REQUESTED. I COPY OF A BILL FROM THE CREDITOR ALONE DO NOT MEET THE STANDARD VERIFICATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). IF YOU CAN NOT PROVIDE THE DOCUMENTS I REQUESTED IN THE ATTACHED LETTER YOU MUST DELETE THIS FROM YOUR RECORD AND FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

An account that went by ( midland financial ) was added to my report that I had NO KNOWLEDGE OF. I've disputed multiple times and can't seem to get them to answer. ( Midland finacial ) is inaccurate with there information. They are adding payments every month, saying that I'm behind on payments and that's not legal. They were already taken off the other companies from bogus info.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX