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

I went through the CFPB because I saw two collections I knew were not mine from XXXX XXXX XXXX. The response is attached ; XXXX XXXX XXXX does not have these. Yet nothing has been deleted.
Product: Credit card or prepaid card

Hello, I received an offer for my Chase United credit card in which if i add an authorized user to my account i will get an XXXX bonus miles. 

I have done my part and added an authorized user but Chase is refusing to honor their commitment & not giving me the miles. 

I have tried multiple times to contact them but they wont listen. 

thanks, XXXX
Product: Mortgage

Over the past 5 months I have been seeking a resolution to a problem with the manner in which my home was foreclosed. Wells Fargo has not responded in a satisfactory manner to questions or issues I has consistently questioned. my home was foreclosed on after providing information to reinstate the loan. Previously the information had been accepted in lieu of work out options. There was one single item questioned. there was a request to verify service at the home. There service documentation was provided via a bill that noted the service address but the bill was mailed to a XXXX.
Product: Credit reporting or other personal consumer reports

This is a follow-up to my previous complaint. If you do not remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal action. I prefer to avoid legal proceedings, so I urge you to comply with the law. Please remove the following items as they are fraudulent and were opened without my consent or knowledge. If you assert that these items are completely accurate and verifiable, I request that you provide me with copies of any documentation related to these accounts that include my signature, as I know such documentation does not exist. In the absence of such evidence, I formally request that this information be immediately deleted from the credit file associated with my Social Security number : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX. You have four business days to remove the reporting of any items in my credit file that resulted from the alleged identity theft. I do not consent to E-OSCAR or any automated verification methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
In accordance with the Fair Credit Reporting act XXXX ACCT, 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 an account without my written instructions. 


XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCT, 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 an account without my written instructions. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX OH, XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my email was hacked and my credit report was hacked. Although I am a Capital One account holder a fraudulent inquiry was made on XXXXXXXX XXXX XXXX, I did NOT authorize this inquiry. The inquiry is fraudulent and Capital One has promised on several occasions to remove the XX/XX/2022 inquiry but have failed to do so. The XXXX inquiry is fraudulent and violates the FCRA. The credit reporting agencies have refused to remove the inquiry as well.
Product: Money transfer, virtual currency, or money service

I went to XXXX to cash my payroll check which is from XXXX XXXX XXXX and it was declined. I live in a small town and XXXX is the only place to cash checks, I was not given a reason I was given a number, I called it it told me it was declined for reasons, no explanation. I would have to drive two hours to the nearest issuing bank. Because of this I will be homeless because my rent is due and about to be late, I've now worked at this job for three weeks basically for free. What's a person in a small town to do I barely have the gas to go back and forth to work and I can't get a person at the declining agency to answer. What's a person to do.
Product: Credit reporting or other personal consumer reports

XXXX I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, I made XXXX, TransUnion and XXXX aware of this since XXXX of XXXX. They Have ignored my notices and request to remove the fraud from my consumer report. The 30-day and 60-day time frame for a reasonable investigation as past. If items can not be verified within 30 days it must be removed. failure to provide proper validation of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ), debt collectors are required to validate debts when requested by the consumer. Also 15 USC 1681 c- 2 they must block all item that came from fraud in 4 business days which has also passed. I am requesting all Items be deleted immediately. I demand that the following account be verified or removed immediately : XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX BUY/CBNA Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I started a dispute in regards to duplicate accounts being report on my account for XXXX loan I had with XXXX XXXX that was paid in full in XX/XX/XXXX to XXXX balance but was being reported as an open and still revolving credit. After I did so, the account was updated to reflect XXXX balance but then reported that the account was delinquent 2 times in XXXX more than 60 days in XXXX and XXXX of XXXX which was false information. This negligence/false reporting caused my XXXX XXXX to drop significantly by over XXXX points across all 3-credit reporting bureaus. Causing me to be denied business credit because my credit dropped from good to fair, low XXXX to mid XXXX. After the dispute and correction I did not get my points back due to their error and now cant regain the credit access I have worked hard to maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with these accounts? 










XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1900.00} {$1900.00} {$1900.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization 180 % 180 % 180 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} Credit Utilization 145 % 145 % 145 %
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, the insurance company paid {$27000.00} towards the payout of the car which left a balance that I received a bill for in XXXX with a due date of XX/XX/20. On XX/XX/20 your company reported to the credit bureaus that I was 30 days late dating back to XXXX for {$920.00}, Which was incorrect because I was not late and the insurance company made payment on XX/XX/20. I called several times to correct the problem but all the CSR  I spoke with was very unprofessional and had no knowledge that the info they were providing was incorrect. On XX/XX/20, TD Bank charged the account off which the account still was not late due to the bill due date XX/XX/20, which from XX/XX/20, I have 30 days from the due to date to make payment before anything can be reported late to any credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a XXXX for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.
Product: Credit reporting or other personal consumer reports

I have tried to obtain my credit report, score, and security freeze from Clarity for over three months after I was denied credit due to information from Clarity. I have called Clarity numerous times, used their online request form, and faxed them my identification documents including social security card and drivers license. When I called in XXXX, I was told my picture and license number could be obscured for privacy. After spending money to fax them my documents on XX/XX/XXXX, I did not hear from Clarity for over a week, so was forced to call them again to check the status of my request. On this call, contrary to what the first representative had told me, they now claim license can not be obscured at all. They told me I would have to spend more time and money to fax or mail everything again. Clarity appears to be deliberately undermining my ability to access my own credit file by changing policy and increasing the burden of time, money and effort required to obtain my report. I have never encountered this many obstacles to obtaining my own credit report from any other credit reporting agency, including Clarity 's parent company XXXX. I request access to my credit report, score, security freeze, and online access to my account immediately without further burden of time, money, and effort.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability. XXXX XXXX XXXX Balance Owed : {$480.00}.
Product: Credit reporting or other personal consumer reports

I hereby dispute the accuracy of the account information on my XXXX XXXX XXXX XXXX closed account as of XX/XX/2023. I believe that certain refunds related to warranty, maintenance, and other services are missing from my account, which is in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


In regards to the total loss of my vehicle, which was financed through XXXX XXXX XXXX XXXX. As part of my financial arrangement, I had purchased ancillary products, including extended warranties and maintenance plans, which should have entitled me to refunds or adjustments in the event of a total loss, in accordance with federal laws and regulations. 


Upon reviewing my account, I have identified discrepancies and missing refunds for the following products and services : Extended Warranty : According to federal regulations, refunds for unused portions of extended warranties should be provided in the event of a total loss. However, I have not received any information or refunds related to the extended warranty on my vehicle. 


Maintenance Plan : Similarly, federal statutes require that unused maintenance plan services be refunded in the event of a total loss. I have not received any communication or refunds related to the maintenance plan I had purchased. 


GAP Insurance : Additionally, I had purchased GAP insurance through XXXX XXXX XXXX XXXX to cover any deficiency between the insurance settlement and the outstanding loan balance. I would like a complete and detailed breakdown of the XXXX insurance coverage and its application in my case. 


I kindly request that XXXX XXXX XXXX XXXX thoroughly investigate these discrepancies and provide me with a detailed account of any refunds or adjustments owed to me as a result of the total loss of my vehicle. 


Furthermore, I expect that any inaccuracies or omissions in my credit report pertaining to this matter will be promptly corrected in accordance with the FCRA. Please provide written confirmation of the actions taken to address these issues and ensure that my credit report accurately reflects the status of my account. 


I appreciate your prompt attention to this matter and expect a timely response within the legally required period of 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED MORE THAN 3 TIMES TO DISPUTE AN INACCURATE CHAPTER XXXX BANKRUPTCY THAT IS ON MY TRANSUNION CREDIT PROFILE, I HAVE EVEN CONTACTED THIRD PARTY PUBLIC RECORDS REPORTING AGENCIES SUCH AS XXXX AND LXXXX XXXX AND NEITHER OF THEM WERE ABLE TO VERIFY THAT I HAVE A BANKRUPTCY, SO AFTER NOTIFIYING TRANSUNION THAT XXXX WAS NOT ABLE TO VERIFY THE CHAPTER XXXX BANKRUPTCY TRANSUNIONS NEXT CORRESPONDENCE ON HOW THEY VERIFIED THE CHAPTER XXXX BANKRUPTCY WAS THROUGH THE XXXX XXXX XXXX MICHIGAN ( XXXX XXXX XXXX XXXX, XXXX MI XXXX, ( XXXX ) I HAVE REACHED OUT TO THIS COURT AND THEY HAVE RESPONDED SAYING THEY DO NOT VERIFY ANYTHING WITH ANY CONSUMER REPORTING ANGENCIES, THIS CHAPTER XXXX BANKRUPTCY IS NOT REPORTING ON ANY OF MY OTHER CREDIT REPORTS, TRANSUNION STILL TO THIS DAY HAS NOT PROVIDED ME WITH THE SOURCE OF THEIR VERIFICATION, I HAVE ALSO INFORMED TRANSUNION THAT I AM A RECOVERING VICTIM OF IDENTITY THEFT AND STILL DONT KNOW ALL THE DETAILS OR ACCOUNTS ON HOW MY IDENTITY WAS MISUSED AND THAT THEY SHOULD THOROUGHLY INVESTIGATE MY DISPUTES OF INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT, I HAVE TRIED EVERYTHING I CAN POSSIBLY DO EXCEPT TAKE THIS MATTER TO A LAWYER WHICH SEEMS LIKE MY ONLY OPTION LEFT, PLEASE CPFB CAN YOU HELP ME WITH HOW TO GO ABOUT THIS IN A LEGAL MATTER BECAUSE THEY ARE NOT GIVING ME ANY INFORMATION ON THIS AND HOW AND WHO THEY ARE VERIFYING THIS INFORMATION WITH.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked the credit bureaus to show me how they have validated the negative accounts on my credit report. i have sent them XXXX separate letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent reporting of my account # [ XXXX ], listed as XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, fair, and substantiated reporting of all accounts on my credit file. After reviewing this account, I have identified several issues that violate the FCRA : 1. Inconsistent Information Across Credit Bureaus : The High Credit amount is reported differently across bureaus : TransUnion XXXX XXXX : {$4900.00} XXXX : {$5800.00} This inconsistency violates the requirement for accuracy in credit reporting under FCRA XXXX ( b ). 
XXXX. Conflicting Dates of Last Activity and Payment : The Date Last Active is inconsistent : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These dates are crucial for determining when the account should fall off your report. Inconsistent reporting violates FCRA XXXX ( b ). 
3. Improper Reporting of Payment Status : The account is listed as Collection/Chargeoff on all bureaus, but it is noted in the comments that the payments are being managed by credit counseling services or financial counseling programs.

If the account is being managed under a legitimate credit counseling or repayment program, it should not be marked as a charge-off. This misrepresentation violates FCRA 1681s-2 ( a ) ( 1 ) ( B ).

4. Inaccurate Reporting of Balance and Past Due Amounts : The balance and past due amounts are consistently reported as {$2300.00}, which conflicts with the commentary suggesting credit counseling management.

This could indicate a failure to update the account properly, violating FCRA 1681s-2 ( a ) ( 2 ).

5. Reporting of Charge-Off After Payment Management : If the account is actively being managed by a credit counseling program, reporting it as Chargeoff may be misleading and a violation of FCRA 1681e ( b ). 
XXXX. Late Reporting Dates : The Last Reported date for XXXX and TransUnion is XX/XX/XXXX, which appears unnecessarily delayed for an account charged off years prior. 

FCRA Violations : 1. 1681e ( b ) : Accuracy of Reporting Reporting inconsistent balances, high credit amounts, and dates across bureaus.

2. 1681s-2 ( a ) ( 1 ) ( B ) : Duty to Update and Correct Misrepresentation of charge-off status while account payments are being managed by credit counseling.

3. 1681s-2 ( a ) ( 2 ) : Duty to Update Information Promptly Failure to update the account status and balances correctly to reflect ongoing management.

4. 1681c : Obsolete Reporting If the delinquency dates or charge-off statuses are improperly extended, it may violate the 7-year limit for negative information.