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

Account XXXX XXXX, XXXX, is inaccurately reporting on the credit reports associated with my social security number and violates my consumer rights as evidenced by the following information : There are several inconsistencies in this account on the credit report. Firstly, Equifax has not specified the account type in detail, unlike XXXX and XXXX. Secondly, the high credit reported by XXXX and XXXX is {$3700.00}, while Equifax reports it as {$3000.00}. Thirdly, the credit limit reported by XXXX and XXXX is {$3000.00}, but Equifax reports it as {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), specifically the section that requires credit reporting agencies to provide accurate and complete information in credit reports. Under FCRA Section 611 ( a ) ( 1 ), credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy of the information '' in a consumer 's credit report. The inconsistencies in this account information suggest that the credit reporting agencies did not follow reasonable procedures to ensure accuracy.

Additionally, FCRA Section 623 ( a ) ( 2 ) ( A ) requires credit reporting agencies to promptly correct any inaccuracies in a consumer 's credit report. Since the high credit and credit limit reported by Equifax are different from those reported by XXXX and XXXX, Equifax should have corrected the inaccuracy in its report promptly. 

In summary, the inconsistencies in the account information reported by the three credit reporting agencies violate FCRA Sections 611 ( a ) ( 1 ) and 623 ( a ) ( 2 ) ( A ) regarding accuracy and prompt correction of credit report information. In addition, the account does not belong to me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company and remove any previous addresses.

Please update my personal information and address to : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

ASKED SEVERAL TIMES FOR ALL OTHER ADDRESS TO BE REMOVED LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked nicely on XX/XX/2023 Transunion to provide real documentation that the data furnisher provided to Transunion that verifies that those account belong to me. I require the signed original contract, the annual privacy notices, the opt out notice of non public information being shared> the right to opt out notice written by me. Till this day Transunion just steps allover my consumer rights as they please. Transunion and the data Furnishers are both in collusion with each other this make them liable under section section 623 FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is an account which has been discharged and dismissed under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. I was unaware of the account on my file until I wanted to get an update on my scores
Product: Debt collection

Dear Sir/ Madam, Transunion has failed to correct account ( ID : XXXX ) with inaccurate information of not properly investigating the case via 15 USC 1681i ( 6 ) ( B ) 3, and also reinsertion account to my credit report without ap 15 USC 1681i ( a ) ( 5 ) B.

I received a copy of payment history and documentation of E-sign consent from XXXX XXXX ( XXXX ). And their continuation to report to all XXXX national credit bureaus as dispute. 

payment history and documentation of E-sign consent does not prove validation to collection of debt, without debt validation with " wet ink Signature signed '' according to Fair Collection Practice Act ( 15 USC 1692 et seq ) and also not answering to insurance claim on account ( ID : XXXX ) by XXXX XXXX. 

Transunion is still reporting this account on my credit report without proper investigation of validating debt. 

Attach is my correspondence with XXXX XXXX with notice to cease/ desist and declaration that I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  should not be reporting this! This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called XXXX XXXX XXXX. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am asking to reinvestigate the accounts that are not mine. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you delete them. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Product: Debt collection

Collector : JEFFERSON CAPITAL SYSTEM Creditor : XXXX XXXX Amount {$180.00} This amount is not correct and this debit is not owed no matter how many times I talk to the collections department or XXXX. 
I had a XXXX account and I was transferring my phone lines to my new husbands account. It was called an assumption or liability. The account had to be at a ZERO balance before the line could be transferred over there. They keep saying this is a past due but there was a Zero balance. XXXX ca n't even talk to me as they sent me to a collection account company and I tried to talk to them and I disputed it through them as well. 

I want this removed from ALL XXXX credit reporting companies!
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the reporting of late accounts on my credit report, which I believe are inaccurately reflecting my credit history. I have thoroughly reviewed my credit report from your agency and have identified instances of late reporting that I believe require immediate attention and rectification. I have outlined the details of the disputed late accounts along with an explanation of the inaccuracies, the late payment reported on the aforementioned accounts are not accurate. I have maintained a history of timely payments according to the terms and conditions of my agreement with the creditor. I have enclosed supporting documentation, including payment receipts and bank statements, that verify my consistent and on-time payments. I request that you conduct a thorough investigation into this matter and rectify the inaccuracies promptly in accordance with the Fair Credit Reporting Act. I am seeking the correction of the late payment status associated with the mentioned accounts : XXXX XXXX XXXXXXXX Balance : {$390000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

I was scammed out of {$1300.00} from using the XXXX payment method though my Bank of America account. 

This was the first case number provided : Case ID # XXXX No resolution. 

Second claim attempt : Case ID # XXXX No resolution. 

No funds were issued nor retrieved. 

I contacted Bank of America as soon as the scam happened but no help from my own institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to all three credit bureaus- however, none have returned responses or had investigations. This is hampering my ability to get credit. I have great credit and these small, inaccurate items are affecting my ability to obtain credit.
Product: Checking or savings account

My son went into the XXXX office branch XX/XX/2023 to close the checking account I had opened for him when he was a minor. He worked with the teller at the counter and confirmed everything was closed - much to our surprise we find out something was deposited into the " closed '' account on XX/XX/2023 and now the bank has charged us an insufficient fund fee EVERY month since then. This has taken the amount deposited and now they say we owe them money on top of that!!! How can a deposit be accepted on a closed account?! It should have rejected back to the sender! 
The original bank was Bank of the West but they have since merged with BMO. The monthly " junk '' fee they charge went from {$10.00} a month to {$15.00} a month now!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within [ mention a specific timeframe ] and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX {$5200.00} XXXX XXXX {$10000.00} XXXX XXXX {$3600.00} XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural living man. I am a human being. I have rights under 15 U.S.C. 1681 XXXX and CITICARDS CBNA is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

XXXX and CITICARDS CBNA has erroneously since 2019 reported negative and false information to my credit report. 

This entity is reporting a charge off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give XXXX nor CITICARDS CBNA written permission to furnish this account. 

Account Numbered # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries from my credit report. As I am a confirmed victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to prevent any further misuse of my personal information. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX, XXXX  and Equifax are allowing XXXX XXXX to report a Bankruptcy in which the Federal Bankruptcy Court is not reporting. I do not have an account with XXXX XXXX or a contract. The federal bankruptcy court is not verifying my personal info to XXXX XXXX and it is illegal for a third part to report of verify such information in which they were not a party to. 

The same three credit bureaus is further violating my constitutional rights by allowing XXXX XXXX to report a civil judgment from the XXXXr County Tennessee Court that is marked satisfied. I do not have an account with XXXX XXXX and they are reporting a collection of {$4900.00} when the court has marked the judgment satisfied. This is a violation of the Fair Credit Reporting Act. 

The same three credit bureaus is again violating my constitutional rights by allowing the Tennessee Dept. of Human Services to report a civil judgment from the State of Texas. They have been incorrectly reporting and will not allow me a hearing for the negative reporting. State law forbids adverse credit reporting without the opportunity of a hearing. They have removed {$13000.00} from my credit, but should not allowed to report anything that was not entered by the State of Texas. Moreorver, the state law only allows them to report on accounts that are over {$1000.00} past due. I am not past due on an agreed upon judgment in Texas.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX ( XXXX ) for a balance of {$1100.00}, XXXX XXXX Account Number : XXXX violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

This company just continues to fumble the ball on my complaints. Please see the attached. I filed a recent complaint about them not taking off 1 of the many expired student loans. Now they sent me a recent duplicate with all of the items being " verified as yours ''. I never disputed anything as not being " mine ''. I said they were outdated and should be removed per the FCA laws! They've been removed from XXXX XXXX and XXXX but Equifax continues to be confused over what a true dispute even means vs a request. They seem to only have one way of operating with no gray areas or flexibility in comprehending what consumers are asking for. I don't get the mentality at this company and for the life of me can not understand why or how they remain in business! No thanks to them not securing their systems properly they jeopardized our personal info, now they can't figure out who to adequately comprehend a request. So my request to this continuation of a problem that shouldn't exist is listed below. I continue to say this company is full of inept greedy people that have no ability to do anything right nor will they ever as long as they are allowed to exist. The scariest part is this company is still allowed to handle very confidential sensitive information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple credit bureau disputes regarding XXXX XXXX XXXXXXXX XXXX reporting of my credit card account. I declared XXXX XXXX bankruptcy in XX/XX/XXXX ( discharged XX/XX/XXXX ), of which XXXX XXXX XXXX was included as a creditor. Because I declared bankruptcy, there should NOT be any negative information on my credit report. Shown below is how XXXX XXXXXXXX XXXX is reporting my account : Transunion : Remarks : Payment after charge off/collection Settled - less than full balance Current Payment Status : In Collections/Charge-off XXXX : Remarks : Account paid for less than full balance Paid charge off Current Payment Status : ( No info ) In contrast, this is how EVERY OTHER creditor is reporting my accounts included in bankruptcy as follows : Current Payment Status : No Info Remarks : XXXX XXXX bankruptcy
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX from American Credit Acceptance. Unfortunately, my unemployment ended in XXXX and I was unable to maintain the payments ( after never missing any payments ). My car was repossessed on XX/XX/XXXX ; this occurred during the Pandemic when the governor announced no vehicles could be repossessed and no tenants could be evicted. When I contacted the company I was not advised I was at risk for repossession. I never received a letter in the mail the car was at risk of being repossessed. The letter I received came after the car was repossessed. The people stole my babies milk out of the car and my tennis shoes. I submitted a letter to your company about this but it was lost unfortunately. I have receipt you received my information; when I followed up it was not in your system. 
The Department of Motor Vehicles has a flag on my registration for driving with no insurance since XXXX. I have asked this company repeatedly to update the information with the motor vehicles and as of the today they still have not. I am facing a {$1900.00} fine. My uncle donated a car to me ; I have to give it back because it is taking so much to update the system. I found a document dated XXXX showing my car was repossessed because I missed XXXX payment. The motor vehicles said the document has to specifically say the car was repossessed on XXXX. I have contacted American Credit Acceptance 5 times for this document ( through phone call and chat ). They keep sending a document showing a sale date for XXXX. 
I'm not sure if the repossession was legal ; however, updating the information with the proper systems should not be this much of a hassle. I have a XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX who is a XXXX  in XXXX XXXX  I do not have the time to babysit a company to do there job. Not to mention I need a vehicle.
Product: Credit card or prepaid card

On Thursday XX/XX/XXXX, I called fifth third bank to activate my online banking account so I could access it. At first I went to website and it asked for my pin. I never set up my pin so I was forced to call the bank. I was transferred three different times and the last person I spoke to was XXXX the credit card specialist. He listened to me and said he would put me through an automated system to pick my pin. That transfer ended up bringing me another queue and at that point I hung up. This all occurred between XXXX-XXXX. All I want from this a temporary id/password as many many many other companies successfully do and I'll be on my way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act, XXXX account number # 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 states that a consumer reporting agency can not furnish my account without my written instructions.
Product: Checking or savings account

I sent a secure message asking about my XXXX  account and why the next statement keeps changing daily, customer service was sent an email through the secure message center, I received a response that they XXXX XXXX XXXX, I dont have an XXXX not he phone call today XX/XX/24 the customer service rep could not figure out and didnt open a ticket claimed bank error and she was seeing the the same reply. I sent a email to there're XXXX office
Product: Student loan

XXXX sold my loans to AES. I have tried contacting them for months about making payments ( I ca n't log into the website ). They keep sending me bills each month with hundreds of dollars of accrued interest yet I am unable to make payments on their site. I 've payed thousands on the principle with XXXX yet the balance is higher then it was with XXXX, which makes no sense. I have never missed a payment, in fact I have paid YEARS ahead yet I owe more then the original amount.
Product: Credit reporting or other personal consumer reports

I noticed a fraudulent collection on my credit report on XX/XX/year> and reached out to the company to have it removed, but was unsuccessful. I contacted Identitytheft.gov in reference to XXXX XXXX XXXX XXXX to help me with this matter. 
Here is the reference number XXXX, the account is not mine and has a balance of {$500.00}
Product: Credit reporting or other personal consumer reports

On my credit report it states that the original credit is XXXX XXXX and was opened in XXXX. But it also shows an open balance as of XX/XX/XXXX. I have never done business with this company so do not know if this debt is mine or what it is in reference to.