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

Recently, I reviewed my credit report and found several inaccuracies. 
Under 15 U.S. Code 1681e ( b ) Accuracy of Reports, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumers report. 
Additionally, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information : If, after reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : 1. Promptly delete or modify the inaccurate item based on the reinvestigation results.

2. Notify the furnisher that the information has been modified or deleted. 
Based on these provisions, I request the immediate removal of the following inaccurate items from my credit report : Experian XXXX XXXX Account # : XXXX Account charged off. {$7100.00} written off. 
Date open : XX/XX/XXXX Account closed. 
XXXX ) XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Date open : XX/XX/XXXX Account charged off. {$1900.00} Account closed XXXX XXXX ) XXXX Account # : XXXX Amount : {$7100.00} Date open : XX/XX/XXXX Account closed XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Amount : {$7900.00} Date Open : XX/XX/XXXX Account close XXXX ) Climb Credit Account # : XXXX Amount : {$2300.00} Date open : XX/XX/XXXX Account closed XXXX ) XXXX  XXXX Account # : XXXX Amount : {$1900.00} Date open : XX/XX/XXXX Account closed. 
XXXX ) XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$0.00} Date open : XX/XX/XXXX Account closed
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; TXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry from XXXX XXXX would like inquiry removed
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  XXXX Account Number : XXXX  Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

See previous description. On my Citi double cash card, I called to ask for a refund on fees charged of {$30.00} a few times and they agreed to reverse those charges. I was charged those fees because in the app it only lets you pay your bill from your " default bank account '' - there is no dropdown to select a non-default bank account. I had closed my default bank account and did not realize that it was trying to get payments from my closed " default '' bank account until all of the charges posted. I can't get into see my activity, such as a recent {$1000.00} payment, and no one knows on their end why it closed. Was it too much charged at once, was it because I asked for a refund of the charges? A couple days prior to the account abruptly closing ( and me finding out for myself it had closed by getting declined a couple times at restaurants and me looking into it onlin ), I charged {$5000.00} for my attorney. Was it because of this? I'm not sure and now I can't see payments credited or any activity. It still only shows the old balance and no one can answer my questions. This is very frustrating and some type of activity needs to take place so that this also doesn't happen to others. Again, I wasn't close to my credit limit and I have had this card for 10+ years with nothing like this happening previously. I have a XXXX credit score per their site on a scale of XXXX. If you could look into this, I would greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXXXXXXXXXXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1500.00} XXXX  XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$780.00} XXXX  XXXX {$9300.00} STATE XXXX {$2600.00} XXXX {$30.00} XXXX {$690.00} XXXX {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account # XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It 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.

I challenged the accuracy, compliance and reportability of this listing and it came back verified. Please validate and have them provide method of validation on this information from this account and ask them to provide me with copies of the original contract between myself and XXXX XXXX and validation associated with this account, bearing my written signature. This has account has been updated with activity and this is a closed collection account. The term duration is INNACCURATE on this account states 1 month on Experian, 0 months on XXXX, and Unknown on XXXX which is inaccurate as well as the first date of Delinquency are inaccurate as well. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I also attached an article from the CFPB ordering " Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} Million for Continued Illegal Debt Collection Practices and Consumer Reporting Violations '' I requested validation and method of validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] [ 15 U.S.C. 1681e ]
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. 

XXXX XXXX : # XXXX {$2.00}, XXXX XXXX : # XXXX {$140.00}, DEPT OF ED XXXX : # XXXX $ XXXX/996, DEPT OF ED XXXX : # XXXX {$4000.00}, DEPT OF ED XXXX : # XXXX {$2500.00}, DEPT OF ED XXXX : # XXXX {$990.00}, XXXX XXXX XXXX # XXXX {$220.00}, XXXX XXXX XXXX # XXXX, US Bankruptcy Court- XXXX XXXX XXXX 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 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: Mortgage

I have had an offer sitting with the bank for over 36days regarding a short sale transaction. Amerihome/XXXX has responsed to come up on the offer to appraised value $ XXXX which which was done 36days ago. Need a decision on the short sale approval.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Unfair Payment Reminders, Policy Violation, and Negative Credit Reporting Dear XXXX XXXX Customer Service, I am writing to formally dispute how XXXX or XXXX XXXX XXXX XXXX is handling my CFPB complaint and to address what I believe is an unfair and retaliatory practice following my filing with the Consumer Financial Protection Bureau ( CFPB ). I believe your company has violated my rights and failed to adhere to its own policies in this matter. 

Prior to filing my CFPB complaint, I never received any payment reminder notifications from XXXX XXXX, which resulted in me being unaware of any outstanding balance. However, after submitting my complaint, I suddenly began receiving payment reminders. This abrupt change in practice appears to be an attempt to manipulate the record and use it against me in response to my CFPB complaint. 

As a result of XXXX XXXX failure to properly notify me of my balance in the past, this situation has led to negative reporting on my credit report, unfairly damaging my credit standing. 

I demand that XXXX XXXX immediately review and correct any unfair practices related to my account, including : 1. Providing a written explanation for why I was not previously notified of any balance due and why payment reminders have only now started after my complaint.

2. Investigating and rectifying any negative credit reporting that resulted from this failure in communication.

3. Ensuring compliance with fair credit and consumer protection laws to prevent further harm to my financial standing. 

Attached below is a copy of the payment reminder with the current date. Please note that this is the first payment reminder email I have received in years, and it only appeared after the investigation began. 

I expect a prompt response addressing these concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXXXXXX XXXX XXXX. I  received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " Equifax XXXX XXXX XXXX and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.
Product: Credit card or prepaid card

Hello, I have reported several times that I was a victim of identity theft my freshman year in college in XXXX the ending of my Fall and Summer semester. While on winter break from college before XXXX XXXX XXXX I received all kinds of letters about bounced checks written In Florida, Alabama and other places I had no acknowledgement of. One store in particular was XXXX XXXX XXXX XXXX of the many. I worked in high school instead of graduating a year early and saved up for college my XXXX and XXXX year. I banked with XXXX  XXXX. The account was in good standings and closed out before leaving off to college in XXXX, Florida XXXX XXXX  XXXX XXXX XXXX. XXXX, Florida didn't have a XXXX XXXXXXXX XXXX. When I returned to college after Winter break of XXXX, I did the police report. I was sent on a run around from XXXX police station on campus where I had cleaned out my on campus apartment before leaving the break of and reported among the belongings discarded were old checkbooks in an old wallet I had from high school. I had no health insurance during my freshman year, I had to use the on campus clinic free to students. I had no money or {$50.00} bill reported to the police in the wallet and I had no credit cards. Yet, when I reported the prior false garnishment of wages in XX/XX/XXXX which was sent to my job XXXX XXXX XXXX, I had to request the police report from XXXX. I was given the run around again. I was sent a police report which had inaccurate reporting which resulted in these present false garnishment of wages. Also due to the inaccurate and timely handling of my identity theft report in which I reported to all police authorities in XXXX when given the runaround back in XXXX as I attempted to handle the situation, I was told that there were warrants out for my XXXX  in later XXXX which resulted to me being falsely XXXX behind the bounce checks after I reported the issue to the police stations. I had to back then report it to my bank XXXX  XXXX and the bank did the investigation again, and cleared me. Those documents were provided to XXXX County Courts and the cases for the fraudulent checks were thrown out. Now due to a police report in which I never saw or received a copy of at the time of all this, I am being targeted and harassed within the last 2 years in my virtual workplaces with attempts to collect on credit cards I never owned. Obviously someone opened card cards in my name too with my personal information. The latest garnishment was sent today XX/XX/XXXX by mail for a XXXX credit card claiming I owed {$3000.00} from XXXX which is false. On top of an inaccurate police report which has caused more problems for me. New case of identity theft Case No # XXXX company Asset Acceptance L.L.C. sent to XXXX XXXX where I was harassed and targeted and didn't know anything about this garnishment that had been sent. Mailed out and served to me on XX/XX/XXXX and I received it by mail XX/XX/XXXX. I spoke with XXXX XXXX XXXX who opened a dispute and I was instructed to email her all information at XXXX XXXX XXXX. Phone number XXXX.
Product: Credit card or prepaid card

Bought a Netspend card from XXXX. Put money on the card and I can not obtain an activation code to use it.
Product: Debt collection

Theyre asking me to pay a debt that I do not owe I take the position of alleged obligator not the obligator. Per 18 U.S. Code 8 - Obligation or other security of the United States defined
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida   DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

My complaint is regarding two companies known as Paramount Recovery AND XXXX  Hospital their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX   files permanently Paramount Recovery S Opened XX/XX/2019 {$490.00} Original creditor : XXXX  HOSP Creditor Information PARAMOUNT RECOVERY S XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Debt collection

Called MRS BPO on XX/XX/23 @ XXXX and spoke with a representative that provided me with the CEOs email that I was instructed to send my police report to. Sent the email to the CEO XXXX XXXX at XXXX with the explanation that it was not mine, and have not received a response as of yet and it is out of the allotted, but there are still continuous updates to all three bureaus with no response to me. If there is no response to the prior email sent on XX/XX/23, this is second finding ( 1st is debt is not mine, fraud ) that is grounds for failure to comply to FCRA. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Contacted the bankruptcy court on XX/XX/scrub> 2024, certified mailing # XXXX to inquiring on their method of verification with the credit bureaus. I would also request the procedure they follow when furnishing information which is reported to the credit bureaus. I also included a self-addressed, stamped envelope. They responded with a letter dated XX/XX/year>2024, notified me that the do no have jurisdiction over the credit agencies and do not report to credit repoting agencies. 
On XX/XX/year>2024, I sent a letter to the credit agencies to Immediate Deletion of Fraudulent Debt Reporting from Credit Bureau Records, BANKRUPTCY DOCKET - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX and thay refuse to delete the information.