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

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification Account : XXXX XXXX XXXX XXXX payments late year XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX COMPLIANCE DISPUTE XXXX Data Furnisher : XXXX XXXX # XXXX. 
XXXX Date Opened : MISSING : XXXX Highest Credit/Original Loan Amount : MISSING XXXX FCRA Compliance/Date of First Delinquency : : MISSING INFO Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that OVER HALF THE ACCOUNTS DO NOT MEET XXXX XXXX compliance standards. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reported on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated! 
To Whom it Concerns, This cite serves as my Lawful consumer request for all claims of collections and derogatoriness be supposed or else wise revealed not only of the federally mandated requirement with the maximum achievable accuracy and maximum likely completion but equally in full accordance with the established standards of ethical lawful reporting. For any potential reported negativity, my demand is for any such still yet unproven allegation be absolute and well corroborated to its utter truth and facts, even certified as such. It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( s ).
Product: Credit reporting or other personal consumer reports

Today, I'm reaching out to address a pressing issue of identity theft that has negatively impacted my credit report. After filing a report with the Federal Trade Commission that is essential. According to the Fair Credit Reporting Act ( FCRA ), Section 605B, credit reporting agencies are obligated to eliminate any entries identified in an identity theft report, in this case, report # XXXX. Enclosed, you'll find pertinent documents to aid in the eradication of these inaccurately reported items. The following is a list of accounts opened without my consent : XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX  Balance : {$1300.00}. XXXX XXXX XX/XX/year> XXXX XX/XX/year>. Per FCRA Section 605B ( a ), it's mandated that credit reporting agencies remove any such disputed entries promptly, within four business days following the receipt of the complaint.
Product: Checking or savings account

I signed up for a new US Bank checking online account with a {$300.00} bonus offer for completing two direct deposits totaling {$4000.00} within 60 days of account opening. US Bank failed to give me access to the account for 35 days, preventing me from completing the promotion terms. 

Timeline : 1. During the online checking account sign up process ( on XX/XX/XXXX ) I was told to expect an activation letter by mail in 7-10 business days. 
2. After waiting ~3 weeks, I called customer service and was told that ( a ) the agent saw no record of an activation letter being sent, ( b ) my account information couldn't be provided over phone or email, and ( c ) my only option for gaining account access was to request a new debit card and wait for it to arrive by mail ( in 7-10 business days ). 
3. I finally received the debit card and pin code around XX/XX/XXXX ( 35 day after opening ) and immediately signed up for online banking as required to retrieve the routing and account number for direct deposit. 
4. My employer ( like many others ) pays on a bi-weekly basis. While I changed my direct deposit records on XX/XX/XXXX, it did not take effect until the next pay cycle on XX/XX/XXXX. I completely my second $ XXXX direct deposit on XX/XX/XXXX ( 65 days after account opening ). 

I contacted US Bank via email asking them to extend the 60 day promotion time period, given that I was unable to meet the requirements solely because of their error. Customer service refused to provide a resolution ( see attached ).
Product: Credit reporting or other personal consumer reports

The IRS considers a charge off to be income, XXXX as gross or ordinary income and doesn't belong on my credit report .so this is this information on my credit report isn't accurate! By IRS rules any canceled debt or charge off is classified as income reporting this as debt is also incorrect. according to 15 USC 1681 XXXX XXXX XXXX  account number XXXX is reporting in all XXXX credit bureaus XXXX XXXX XXXX  ss account number XXXX and XXXX  account number XXXX all report inaccurate information on my credit report. And request remove from all my credit reports asap
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries I've found : XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>. Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my Credit Report to the three big Credit Reporting agencies. I got a report back from Equifax, but there was erroneous information that I disputed. Equifax subsequently sent me an email at the end of XXXX with a Confirmation Number to obtain information about dispute on-line. Today XX/XX/2019, I tried several times to use the Equifax on-line system to obtain the information, but the system would not process my request. I therefore started an on-line chat with Equifax. Only after some dialogue with the on-line chat person, did the chat person disclose the telephone number needed to talk to someone at Equifax. I could not find the telephone number any where in the Equifax information. I called the telephone number and spoke to two different people. They asked me for identifying information like name and address, which is a reasonable request. However, they then started to ask me " computer generated '' questions to verify my identity such as the date I put a credit freeze on my credit report and the monthly payment on my credit card ( which, of course, varies from month to month ). When I protested the inane questions, Equifax refused to verify my identity and refused to send me the results of my dispute. They now tell me that I can only get the results of the dispute by writing a letter to Equifax. It seems to me that Equifax is setting up highly unreasonable obstacles to me getting the information that they are required by law to provide. Please pursue Equifax and get them to change to a more reasonable and consumer friendly system to provide the required information.
Product: Credit reporting or other personal consumer reports

as of XXXX there was a hard inquiry on my TransUnion credit report under my previous name ( as I remarried last year ) and used a previous address back in XXXX. I never Authorized this. The company 's name is XXXX XXXX XXXX XXXX ( credit card company ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i reached out to them on XXXX XXXX XXXX XXXX spoke to a lady named XXXX in customer security fraud dept. In order for her to look up my acct she needed to have my whole ss # ( as it couldn't be found under the last four digits ) which i was so scared to do so but wasn't sure what else to do. she found it the application ID # XXXX she said she marked this as fraud and would send TransUnion a letter to remove the inquiry which would take 30 to 45 days. However when i spoke to TransUnion they told me to asked for a deletion letter. As i asked for this she refused to send me any confirmation of this being a fraud case. Transunion did however put a security freeze and fraud alert on my credit report. Now i have another issue. I have sent TransUnion all the necessary paperwork ( cert. mail ) to change my address, last name, and remove the hard inquiry ( copies of DL, SS # that has my correct name and address ) also 2nd form of Proof of Address, XXXX  Lic, IRS tax paper and Identity Theft Report ) on XXXX i spoke to TransUnion at XXXX ( Ash special handling supervisor ) They refuse to change my address because i sent documents ( a doctor bill and IRS tax paper ) with a date on it XXXX with new address and they said that's to old they also will not change my last name because my court certified marriage license does not say my new last name ( even though my drivers license and ss # does ) they asked me to call the court house to get some kind documentation on name change. The clerk chuckled and said we do not do that and the clerk said apparently TransUnion doesn't know what they are doing. Also he said my Identity theft report was not signed or dated ( it is and there is also a FTC report number on it ) there for i cant not dispute the hard inquiry. So now I am at lost of how to handle this. i do not have a scanner to send any documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter 2 months ago to the credit reporting agencies regarding an account that I am not familiar with. The account I disputed was XXXX XXXX XXXX because I do not have an account with this collection agency and was never informed about a debt that I am obligated to pay. There was no response from the credit bureaus in over 60 days. I am having a hard time believing that an investigation was done. It has also been proven that I was involved in a data breach so it is very likely that my personal information was compromised. This company has not sent me any validating information such as a copy of my photo id and ssn, nor have the credit bureaus. It has been well over the time allotted, so now I am asking for the removal of this inaccurate account. I will be seeking legal action if this account is not removed within 15 days. I will attach the dispute letters that are dated, and time stamped. I will be seeking compensation for the violation of the FCRA if this is not removed 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. 

List of Unauthorized Inquiries : 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 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: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify credit reporting agency to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXXXXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX XXXX XXXXXXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit card

I made a purchase of {$1000.00} on my Bank of America credit card. My receipt clearly shows the amount as {$1000.00}. The merchant inavertantly entered the amount into the credit card machine as {$10000.00}, {$9000.00} more than it should have been. I filed a claim with Bank of America. I saw no results so I called in to follow up. I was told it was because I had not submitted the receipt. I faxed in the receipt. I then got a message and uploaded the receipt. I then got a letter I signed and submitted the receipt a 3rd time. I then received a letter saying the claim was denied because I had not submitted the receipt. I went back to the merchant and had them refund {$9000.00}. The credit has not appeared on my account. I called back in and was told that my receipt did not have my account number on it, so my claim was denied. I called in again and learned they called the merchant one time but were not able to get hold of them. They supposedly called me one time, but did n't leave a message. I finally got a supervisor on the phone and had her call the merchant. I will be receiving the refund, but I will be paying the interest on the transaction. Bank of America did n't even try to resolve this until I was on the phone with them and forced their hand. At this point they promise me I will receive the refund on Monday, but I lack any confidence in BOA.
Product: Checking or savings account

On numerous occasions navy federal over looked a large purchase to have more than one small purchases go into over draft. When ask customer service why? I was told the large purchase was pending. They pick and choose what's pending when your account is low on funds to maximize overdraft fees. So I told them I don't want overdraft protection if I don't have money no body gets paid they still slip it back on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint now because I've discovered Equifax is not following the GLBA ( GRAMM-LEACH-BLILEY FINANCIAL PROTECTION ACT ). Equifax is also violating my right to privacy and the FCRA ( 15 USC 6801 and 1681n ).

I am aware that without my lawful consent, my nonpublic personal information ( transactions such as negative information ) should not have been disclosed to a nonaffiliated third party.
Product: Debt collection

I paid this collection to the the collection company in XXXX of 2023. I have proof that I paid this collections, and want it removed from my credit report.
Product: Credit reporting or other personal consumer reports

15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the foul of a consumer, that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I observe some inaccuracies reporting on my credit report. Please correct all of the accounts that follow. Please see the following accounts/items and update accordingly. If not I will have to file complaints to the Federal Trade Commission and the Department of Justice. 

Account name : NEW XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Cell Phone I am requesting that all errors in the item be deleted and correct the information. I am under a lot of stress knowing these inaccuracies will affect my future loans.Please mail a full copy of my credit report to me as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at the XXXX dealership yesterday XX/XX/20 because I'm in need of a new car but when they ran my credit to see if I qualified for the auto loan, I was told that I could not be approved at this time due to having accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about but after looking through my report myself, I saw four accounts that do not belong to me. The accounts were opened with these companies XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX  XXXX  XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name or with my personal information. I do not have any type of contract or relationship with any of these companies and I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I have filed this report to the best of my knowledge at this time.
Product: Debt collection

Citibank is calling me repeatedly and leaving voicemails. Here are the times/dates they have called me recently : XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX   XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX ( today ) - XXXX, XXXX, XXXX
Product: Debt collection

I received this letter from this collection agency informing me that I owe them a debt and upon further review I noticed that this debt was with another debt collection agency prior with whom I disputed the debt. It appears that they may have sold the debt and this company is now trying to collect
Product: Credit card

see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to improve my credit and I have disputed a public record XXXX  XXXX discharged bankruptcy Ref XXXX with Experian Credit and I have yet to be able to resolve. It shows the bankruptcy as discharged with a file date of XX/XX/XXXX and resolved XX/XX/XXXX. I also disputed this same account with XXXX and XXXX who have removed the item from public record. Experian investigated and informed me " this item remained unchanged from our processing of your dispute in XX/XX/XXXX. On record until XX/XX/XXXX ''. I have not been able to dispute the account on my public record since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

it's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards of a late payment. They have not supplied this information and they must delete the ledge late payment on my credit report. Under federal law they have 30 days to complete the investigation and by failing to do so, the item must be delete it from my credit report as soon as possible.
Product: Debt collection

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the account listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to this account. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

CREDENCE RM XXXX.