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

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under trafficking as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies have been bullies to me long enough. Experian dispute report id # XXXX is reporting false information concerning XXXX XXXX act # XXXX They are reporting a high balance of {$3300.00}. I can not believe this defamation experience. Also the payment history is incorrect. 
Experian is also falsely reporting an account by XXXX XXXX XXXX, that has false payment history. That car was never suppose to be under my name, however my ex husbands son crashed it, my insurance paid fair market value and now there reporting a false payment history that is completely destroying my credit score. Please do something about this. They reported that I made payments to XXXX, I never made a payment to student loan XXXX in my life. It was taken over by fed loans who govern all of my student loans. Additionally, they are reporting a bankruptcy dated XX/XX/2020, Ive requested the removal of this account numerous times stating that it was dismissed because of the timing in which it was filed. They still would not remove this. Only you guys are able to help. Experian also reports a false address that I have requested more than two years to be removed under XXXX XXXX XXXXXXXX XXXX, IL. Experian and XXXX are reporting false information and I believe that this company is the only company that can make them do what they are suppose to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

https : //www.expertcreditsweeps.com/ This company led by XXXX XXXX is scamming 100 's if not thousands right now! 
This is infomation of some of her recent high dollar scams!!!! 

XXXX XXXX XXXX XXXXXXXX Please investigate her company she charges upfront fees for services not even rendered!!! 

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

XXXX XXXX XXXX is knowing reporting inaccurate information on my credit report. Experian is allowing them to do it. 

1. {$0.00} Balance this account is settled and should not even be on m credit report, The balance that the company is reporting is {$0.00} -However in the comments company reports their is a balance. 

2. Date Opened is Inaccurate 3. Date of Last Activity is Inaccurate - Company is reporting Date of Last Activity : XX/XX/17 - Company is reporting last payment : XX/XX/17 -Company is reporting in payment History last payment : XXXX 4. Company is reporting Repossession - I never received Notice of Right of Redemption - I never received Notice of Right of Reinstatement - I never received Notice of Default - I never received Notice of Sale - I never received Notice of Deficiency Balance Please remove this in accurate item off my report immediately 5. Experian keep allowing this company to report inaccurate information on my credit report. 

6. Attached is a copy of this item on my credit report.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. Thecredit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I use the Citi.com website to pay my CitiAAdvantage Platinum Select credit card every month. On XX/XX/XXXX, Citi charged me a {$29.00} 'Return Check Fee ' and claimed the account information of the payment bank was incorrect ( it was a non-Citi account ). I have pointed out that my bank information was already stored information on the Citi website and I used the same account to pay the credit card bill from XX/XX/XXXX to XX/XX/XXXX with no issues, as well as pay my Costco Credit card with the same account in XX/XX/XXXX. They refused to accept the account was ever valid and refuse to waive the fee.
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 account with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$98.00}. 
XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXXXXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX  XXXX XXXX XXXX XXXX  Collection account from XXXX with account # XXXX and a balance of {$2000.00}. The original creditor is XXXX XXXX XXXX XXXX 
Collection account from XXXX XXXX with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX APARTMENTS. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$750.00}. The original creditor is XXXX XXXX. 
XXXX account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXXXXXX XXXX XXXX 
Collection account from XXXX XXXX XXXXXXXX with account # XXXX and a balance of {$1900.00}. The original creditor is XXXX XXXX XXXX. 


I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting or other personal consumer reports

Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY.

Also, I never gave the credit bureaus any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS. 

As a consumer, I am demanding a deletion of the following accounts : XXXX. XXXX XXXX Account # XXXX Account status is incorrect. High credit limit incorrect. Date of last activity incorrect which means the account has been reaged. This is a violation.

Please delete this from my consumer report XXXX. XXXX XXXX XXXX Account # XXXX Account status is incorrect. Date of last activity is incorrect which means the account has been reaged. This is a violation. 
Please delete this from my consumer report. 

XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX High Credit Limit is incorrect. Date of last activity is incorrect which means the account has been reaged. This is inaccurate information.

Please delete this from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection was added to my  XXXX  and  XXXX  credit reports by Midwest Recovery Systems for {$2500.00}. It is apparently some payday loan that I never took out and I was never contacted about it.     I am in the middle of a mortgage loan process and this is going to affect my approval and rate. I can not dispute it on my report as the lender will not approve my loan with any disputed items.     I need this fraudulent account removed from my reports as soon as possible!
Product: Money transfer, virtual currency, or money service

PayPal has permanently limited my account for no reason and did not give me an explanation whatsoever. Along with thousands of other sellers on an online marketplace known as XXXX XXXX, a PayPal account must be used to compete transactions with regards to both buyer and seller safety. I have never interfered negatively with XXXX acceptable use policy and have records to prove my transactions, shipping labels, proof of delivery, and genuine reviews from my buyers. After contacting PayPal regarding my situation, they failed to help me and instead gave me a very vague response, not answering what I really asked. My PayPal account is associated with my email, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX is reporting incorrect dates. The dates are report as 2019. The account is beyond 7 years old and the account was added to my credit report like its a new collection. The credit bureaus allow the old account to report like its new.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation of Credit Report Violations Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating and correcting several violations and inaccuracies on my credit report, in accordance with federal regulations.

Accuracy and Fairness : Under 15 U.S. Code 1681, consumer reporting agencies are required to maintain the accuracy and fairness of credit reporting. I have identified several discrepancies that do not adhere to these standards.

Permissible Purposes : As outlined in 15 U.S. Code 1681b, consumer reports may only be provided for permissible purposes and with the consumers written consent. I have not authorized the inclusion of certain negative accounts on my report.

Information Contained in Reports : According to 15 U.S. Code 1681c, consumer reports should not include adverse information older than seven years, except for criminal convictions. Certain derogatory marks on my report appear to violate this rule.

Identity Theft : Per 15 U.S. Code 1681c2, any information resulting from identity theft must be blocked upon verification. I request a review of my report to ensure that any such information is promptly removed.

Opt-Out Notices : 12 CFR 1016 and 15 U.S. Code 6802 require clear privacy notices and opt-out opportunities before disclosing nonpublic personal information. I need confirmation that I was provided with appropriate notices and options. 

The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, my address should be updated to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please also remove the non-mailable addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these issues and facilitate the necessary corrections. Please confirm receipt of this letter and provide updates on the status of these corrections within 30 days.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request that the following accounts and inquiries be blocked and deleted from my credit report pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently in my name as a result of the breach.

Please see the affected accounts and inquiries below : Accounts to Be Blocked and Deleted : XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, XXXX : {$160.00} XXXX. XXXX XXXX ( formerly XXXX  ) Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX. XXXX XXXX Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$240.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$730.00} XXXX. XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$660.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$660.00XXXX XXXX XXXX XXXX Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$160.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$160.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries to Be Removed : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Mortgage

I asked for a Payoff Quote on or about XX/XX/XXXX. Bank of America said they would send one to me, and also provided information in my account center regarding that I could obtain payoff information within the user interface. It indicated that I could obtain Payoff information on our Website by logging on, selecting Account Information from the Navigation Bar and selecting Payoff Information. This in no way was provided as an option on the website. I called in to customer service to obtain payoff information and was provided it over the phone, and they seemed to think that a payoff quote was sent to me via regular mail, but confirmed that payoff information and the navigation bar is not available. Bank of America should stop providing this documentation within the account center, as it is totally inaccurate, and confusing and very inconvenient for the customer that receives that incorrect information and looks on the website for a payoff quote. Account Center Letter indicates : Dear XXXX, Thank you for your Internet inquiry addressed to the Customer Service Department pertaining to your mortgage account. 

A payoff demand statement good through XX/XX/2016 was requested to be mailed to you on XX/XX/2016. Please be advised you may view your Payoff Statement on our Website. For Payoff information on our Website please log on, select Account Information from the Navigation Bar and select Payoff Information. Some loans may require special handling and are not available online at this time. To obtain this information please call XXXX, XXXX PST. A fee for this service may apply to some accounts. 

For further questions or if we have not fully resolved your concerns, you may contact our Customer Service Department at XXXX, XXXX, local time. 

Thank you for communicating with us electronically ; we appreciate the opportunity to be of assistance. 

Original Message : Please provide a payoff quote good through XX/XX/2016, with an itemized breakdown. Please provide a quote that considers that I 've made my XXXX payment ( so that amount is not included in the payoff because I 've already paid it ). thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Equifax on ( XX/XX/XXXX ) challenging the reporting and compliance on multiple accounts that are being reported on my credit report with incorrect information. This is against the Fair Credit Reporting Act section 609 ( a ) ( 1 ) which states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer. All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. However, because the trigger for a file disclosure is a " request '' by a consumer, a CRA may allow consumers ( such as the individual in your letter ) to choose truncation or other security measures in their own file disclosure. In other words, although Section 609 provides consumers with a right to all information in the file, a CRA may provide a method for the consumer to ask for less than all information and then comply with that " request '' when it makes the disclosure. 
This basically states that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. This is effecting 15 accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( inaccurate reporting date of XX/XX/XXXX ) XXXX XXXX XXXX ( inaccurate reporting date of XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) 12 XXXX XXXX XXXX ( XXXX ) 08 XXXX XXXX XXXX ( XXXX ) I received a response letter XX/XX/XXXX stating that these accounts have been verified as accurate and updated. Which again is impossible due to the account numbers containing " X 's ''. If in fact they verified these, then the correct account numbers should be listed. Since they were not updated, these accounts are not valid.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, Albert took XXXX dollars out of my savings account. I never authorized them to take money out of my savings account. I have authorized payments to come out of my checking account only. I have no idea how they even got my savings account information. I have contacted support but their customer support is non existent. I will also be filing a complaint against the company I have the checking account through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 90 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

Chase Bank purchased my mortgage from XXXX XXXX. My mortgage contract does not block or prohibit making partial payments. Chase Bank is not properly crediting my account with partial payments and those payments are sitting in an unapplied fund status in excess of my monthly balance due. Chase Bank is harassing me with past due phone calls even though the sum of my payments are currently in excess of the amount due.
Product: Debt collection

On XX/XX/XXXX received a alert from XXXX stating a new credit was opened and reporting XXXX on my credit report with XXXX utilized. This caused my credit score to drop 57 points. I hen logged into my XXXX to verify and saw thw said account. I reached out to company via phone and was told that this was a Bank named Synchrony who Paypal had been sold to and that because they are now the owners of the accounts and is Bank they have to report to credit bureaus. I proceeded to ask more details and was told that the merger was in XXXX and that they just began reporting in XXXX. I was told that they were the new Bank for my Paypal account. I tried to explain that initially when I signed up for the Paypal account in XXXX it was advertised as a free line of credit with no reporting to credit bureaus. I explained that this was the only reason why I decided to sign up. I explained that if I had known that the potential for credit reporting could eventually change I wouldn't have never signed up. I also informed them that I had received no notification of the said changes. All they could do was apologize and explained that they would still be reporting on my credit account because the account now belongs to them. I asked why consumers weren't given options to prevent credit reporting prior to the official merger start date. It was stated that there were no options because they purchased the accounts and now own the accounts and no such options existed. I personally believe that it is fraudulent to not inform consumers of change so important that would affect their credit scores in such a major way. I never authorized anyone including Synchrony Bank to create a credit account in my name and begin reporting to credit bureaus.I believe that proper notification and options to close the account prior to credit reported could have been given. I would like the following practices to be properly investigated as this company is refusing to move the information off of my credit report.