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

I looked and reviewed my report back on XX/XX/XXXX, 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. These accounts XXXX XXXX XXXX XXXX Account Number : # XXXX ], are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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

Inaccurate payment history I was never late I was always on time XXXX XXXX Opened XX/XX/year> {$0.00} I am writing to formally dispute the accuracy of the reporting related to the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the claim that this account was ever delinquent or late in any of its payments. 

The account in question, opened on XX/XX/year>, has a {$0.00} balance, and I have consistently fulfilled my payment obligations in a timely manner. There have been no late payments recorded during the lifetime of this account. Accordingly, I request that the accounts payment history reflects this fact and that any negative information be corrected immediately to state that the account was paid on time and in good standing.

Under the FCRA ( 15 U.S.C. 1681i ), I am entitled to an investigation into the disputed information. Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is unlawful to report inaccurate or misleading information to credit reporting agencies. The inaccurate reporting of my payment history is a violation of these provisions. 

I have attached all relevant documentation, including account statements and proof of payment, to support my claim. Please conduct a thorough investigation into this matter and correct the erroneous information on my credit report. I expect confirmation in writing that the corrections have been made. 

If the negative reporting persists without correction, I will consider pursuing further action, as I am entitled to seek remedies under both the FDCPA and the FCRA. 

Thank you for your prompt attention to this matter. Please respond within the 30-day period mandated by law. 

Respectfully XXXX XXXX XXXX XXXX Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the company to cease and desist all communication including reporting to the consumer reporting agencies.
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 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I had Synchrony bank credit card/XXXX balance of {$60.00}. I thought I closed this account and forgot this remaining balance. When I tried to pay a few days later, it was charged {$29.00} late fee. I called a few times ( up to 5 times ) and explained to the representative, the staff in XXXX gave me the attitude " I got you to pay or .... '' and would not be willing of reasoning. It was almost XXXX % penalty for a few days late. This Synchrony bank/XXXX had more than XXXX complaints since they are predatory in " every way '' to " out get '' customers. Then I tried to resolve with them, they just would not barge. It is now accumulated to more than {$290.00} out of original balance of {$60.00}. XXXX predatory actions are notorious. They caused me more than numerous long time calls for resolution which reached no where. I would NEVER EVER to deal with this Synchrony Bank. I believe it is Synchrony business strategy to break their credit card business into ALL DIFFERENT INDUSTRIES, so the complaints due to their employee trained " predatory practices '' would be diversified and look smaller than it actually is. I am demanding Synchrony / XXXX write off this {$60.00} balance to XXXX for all the resource/time they caused me.
Product: Credit card

On XXXX/XXXX/XXXX, I made a purchase totaling {$85.00} on my JC Penny Credit CardAlmost a year later, in XXXX of XXXX, I received a notice from XXXX XXXX XXXX for {$230.00}. Not knowing what it was for, I contacted them and upon my inquiry realized it was for the purchase of the {$85.00} made the year before plus all of the collection/late fees. We had moved and the billing address was not updated to reflect the new address which I accepted responsibility for. I immediately contacted JC Penny and they had record of return mail and accepted and filed a dispute on my behalf. For the time period of XXXX XXXX XXXX I never received any information about my dispute, and the collection calls kept coming. In XXXX of this year, to finalize this, we negotiated the {$230.00} balance and settled with XXXX for {$120.00} which was paid. Two weeks after settlement and almost 7 months after filing the dispute, I received notice from JC Penny they were finding in my favor for the dispute and that they placed my account back in good standing. I then received a statement from JC Penny for {$110.00}, which is basically the {$230.00} less the settled amount of XXXX that was paid. Essentially all of the late fees. I contacted them to advise the account was previously settled and as part of that settlement the acct should be zero, but I get nowhere. I have attempted to speak with agents and supervisors on a few occasions, ( XXXX XXXX and again XXXX XXXX ) but no one seems competent enough to assist with this so I am seeking help to resolve this once and for all. I am now getting {$25.00} late fees assessed on the {$110.00} balance when there should n't be a balance. 
Thank you for attention to this matter and am willing to cooperate to get this settled quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One agreed to remove a hard pull Inquiry from XX/XX/2018. They said they would remove from my credit file as I never requested any additional cards or signed any documents asking them to pull my account.
Product: Checking or savings account

This all started on XX/XX/XXXX I kept getting charges from XXXX so I went to the bank to case and reopen a new account. I was told by the banker and given a paper that he informed social security of my new account and i need not to do anything, on XX/XX/XXXX I recieved  a check and deposited it via photo deposit and called later that day and was told the funds would be available on the XX/XX/XXXX on the so checked the next day and there was no funds available so I called and was told that there was a restriction on my acct and its about to be closed due to fraudulent deposit. so when I told her it was given to me by my insurance and it was a chase check then they transferred me to someone in the fraud dept and she verified the check and lifted the restriction in the process i had written a check for the rent and also my insurance. i get my debit card on the XX/XX/XXXX and when I went to activate the card it had been deactivated and my account was going to close again so I went to the branch and spoke with one of the bankers and he said it was a bank error and that the account should have not went through all that and I get a text from my rent office saying that my payment was returned on a closed account and now I have late fees and I showed iI cant afford to pay my renters insurance all the extra money and fees I had to pay because of the banks error had caused me not to be able to buy my family XXXX gifts so now its XX/XX/XXXX and I wake up to no direct deposit went to social security and they tell  me chase has not sent anything over to change my account and also they don't have the authority to do that so he dont know why they are telling customers that only they can change banking information and my social security has been sent to the closed account so fI call customer service and they are telling me they can help me and it going to take 3-5 business days for it to get sent back and then thy will return.I then asked to speak to a supervisor that then said she could not help so the 3rd person I asked if she could transfer from the old account to the new and she finally got the ok to do it by this time I am at the branch and the funds are not available and I am talking to the man that tes me he sent over my direct deposit information to social security and they never got it so he go to the supervisor and she says since she can see it she will give it to me for the banks error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HAS DONE A WONDERFUL JOB SO FAR IN UPDATING MY CREDIT REPORT EACH MONTH ON MY PAYMENTS BUT RECENTLY I LOOKED AT MY CREDIT REPORT BACK IN XX/XX/XXXX AND I AM STILL MISSING SOME PAYMENTS ON MY ACCOUNT. I CALLED IN AND TALK TO REPRESENTIVE ABOUT IT AND I FELT I WAS GETTING THE RUN AROUND AND THE LAST TIME I DISPUTE ON LINE WITH THE CREDIT BUREAU MY CREDIT REPORT DIDNT GET UPDATE D CORRECTLY. SO I WANT TO MAKE SURE ALL OF MY PAYMENTS THAT I HAVE MADE ARE SEEN ON MY CREDIT REPORT. THE ISSUE I AM HAVING IS WITH MY EQUAFAX CREDIT REPORT. MY XXXX AND MY XXXX XXXX CREDIT REPORTS ARE UPDATED CORRECTLY. I HAVE ENCLOSED A COPY OF MY STUDENT LOAN ACCOUNT THAT SHOWS MY PAYMENT HISTORY AND MY CREDIT REPORT. THE DATES THAT ARE IN QUESTION ARE AS FOLLOW IN XX/XX/XXXX AND XX/XX/XXXX.  I MADE A PAYMENT FOR THOSE MONTHS AND ON MY CREDIT REPORT IT SHOWS A NR FOR NO REPORTING OR NO PAYMENT. THAT INCORRECT, THAT NEEDS TO BE UPDATED CORRECTLY AS SHOWING PAID AS AGREE FOR THOSE MONTHS .SECOND MY CREDIT REPORT ON THE MONTHS ON MY EARLIER DISPUTE WAS NEVER UPDATED ON MY EQUAFAX CREDIT REPORT. I AWHILE AGO I WAS WONDERING WHY WOULD THERE BE SHOWING A NR FOR NO REPORTING ON MY EQUAFAX CREDIT REPORT BUT THOSE MONTH I HAVE MADE A PAYMENT. I MADE A PAYMENT ON THE MONTH IN QUESTION XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX WHICH SHOWS A NR ON MY CREDIT REPORT ON MY  PAYMENT HISTORY WHICH NEEDS TO BE UPDATED SHOWING PAYED AS AGREED, SO I AM MISSING 8 MONTHS OF PAYMENTS ON THIS ACCOUNT ON MY PAYMENT HISTORY. SECOND ON THE ACCOUNT XXXX XXXX XXXX I WAS LATE ON XX/XX/XXXX WHEN WOULD THIS COME OFF MY CREDIT REPORT TO PUSH THIS ACCOUNT INTO POSITIVE ONE ON MY CREDIT REPORT.
Product: Debt collection

To whom it may concern : My name is XXXX XXXX. It has been brought to my attention that I have a judgement against me for a debt that was paid and closed in XX/XX/2008. 

I had a XXXX XXXX XXXX credit card that was not closed properly and remained open over 10 years ago. 

There is no evidence on my credit report showing the history of debt. 

I have contacted the original creditor in which they do not have any information of me on file. I have contacted Calvary Portfolio who is reporting with XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, None of these companies have any information of the debt. 
None of them can tell me or explain the balance history. 
None of these companies are validating the history of the account. 

All I know is there was a balance of {$19000.00} which is now an alarming {$38000.00}. 

No one can tell my why I owe this balance?! 

Please help me investigate this. I am trying to refinance my home and I have great credit but this account came up and stopped me from doing what I need to do. 

I feel stuck and helpless and scared these companies are trying to steal from me. 

Thank you, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information is mismatch with someone else and the information on my credit report and inquiries are not belongs to me I contact Equifax so many time to solve this issue because on file just name is mine but nothing else is belong to me so please help me i am really struggling with this issue and really depressed and under pressure
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Capital One for incorrect reporting to all three major credit bureaus XXXX, XXXX, and XXXX. Despite numerous attempts and communications with Capital One to address and correct the inaccurate data reflected on my credit report, the issue persists unresolved. 

The inaccurate reporting by Capital One has significantly and negatively impacted my credit score and financial standing. The failure of Capital One to correct the erroneous information is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under the provisions set forth in US Code 1667, which mandates the accurate reporting of consumer credit information and provides consumers with the right to have incorrect information corrected in a timely manner. 

Here are the key points of contention : 1. Incorrect account status : Capital One has reported my account as charged off, late, included in Bankruptcy, and Unrated which is inaccurate. 
2. Failure to update information : Despite providing evidence and numerous communications with Capital One to correct this data, there has been no adequate response or action taken on their part to amend the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

checked my credit profile and these erroneous accounts were listed. 

XXXX XXXX XXXX XXXX  XXXX XXXX Bk of Amer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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

this loan was opened up in 2001 due to identity theft. 
ive been trying ; for years to ge this off my credit report. 
and reported it to social security administation since i lost my social security card. 
this account is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an old account with the bureaus. There is an account with XXXX XXXX for which I requested the payment history directly from the company and they have yet to respond to me. That was XX/XX/2020 and yet they supposedly respond to the bureaus. XXXX is showing that they validated the information however how can an account be 90 days late without ever being 60 or 30 days delinquent? That is just common sense!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXXk XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and have been suffering punitive damages due to XXXX XXXX XXXX in the amount of {$3200.00} on XX/XX/2015 this account is fraudulent. It has been reporting to my Experian! I've mailed them letters with my FTC report # XXXX multiple times with no resolution!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accounts and inquiries listed on my consumer credit report referenced below, which are the result of a data breach or fraudulent activity. Additionally, I demand verifiable proof bearing my signature or electronic signature for these actions. 

Please note, I am sending this letter on my own behalf and not through a third party, so I urge you to review it carefully. I did not authorize these actions, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ] regarding the blocking of information resulting from fraud or a data breach, as well as Section 604 [ 15 U.S.C. 1681b ], which governs permissible purposes for consumer reports. 

I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof from the reporting parties. These accounts and inquiries are inaccurate and unauthorized, stemming from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.
Product: Debt collection

Cain & Weiner is reporting a debt on my XXXX credit report that does not belong to me. The file number is XXXX, originally belonging to XXXX Rental Car. I'v contacted Caine & Weiner several times letting them know the debt is not mine and requested removal. They even verified information over the phone to prove it doesn't belong to me ( they admitted as well ) but blamed it on XXXX. I have disputed the debt twice via XXXX, nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Product: Money transfer, virtual currency, or money service

Western union needs to loacte 3 speed pay items from 2014 XXXX XXXX  dated XXXX gor {$770.00} and XX/XX/2014 for {$770.00} and XX/XX/2014 for XXXX i need the ( MTCN ) I AM TRYING TO FILE CLAIM
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, U.S. Department of Education Account # XXXX, Account # XXXX, Account # XXXX, XXXX - XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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

In noticed a XXXX XXXX XXXX XXXX XXXX. I have no idea why this is being listed on my report and it should be removed. I recently investigated this with XXXX XXXX and I sent in the results stating that it was removed below.
Product: Payday loan, title loan, personal loan, or advance loan

XXXXTower Loans in XXXX XXXX XXXX XXXX of {$1200.00} was taken out under my name. I did not take out the loan, and my signature was forged. The company did not ask for a license to verify the name and exact person. They gave a loan to a scammer with my name, address, and fake number. I am filing a complaint because a license should be given for any type of loan. The company did not ask for a license to match the person getting the loan, which led to scamming me. The company is checking with corporate to see if they need to file a fraugelent paperwork and have it notarized. I am not complaining about the steps taken after the fact ; I am complaining about not asking for identification.