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

I just received a copy of my experian credit report. XX/XX/2017. I have been disputing 2 accounts that DO NOT belong on my credit report. XXXX XXXX XXXX XXXX XXXX and XXXX. First off the XXXX is time barred and should be automatically deleted. The XXXX XXXX XXXX XXXX XXXX  was to be deleted off my credit report as well. I have been disputing these accounts for over 8 months now. XXXX has done there investigation and these accounts were verified to delete and they did delete them off my XXXX credit report. Experian just keeps sending me that they did there investigation and the creditors have said they are reporting accurately. This is completely wrong because the XXXX account like I mentioned earlier is time barred and also besides that the account was paid years ago in FULL. Plus I do not no how they are verifiying this information because XXXX is no longer in business. That right there tells me experian is not doing a proper investigation. Having these 2 accounts report as negative are affecting my credit score in a very negative way. I do also have to state that I want to thank the fcra in assisting me in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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

I have sent letters to XXXX, Equifax, and XXXX asking them to remove the account XXXX XXXX Account # XXXX from my credit report because this account is Deficient of Physically Verified Validation. XXXX XXXX XXXX is in violation of the FDCPA U.S. Code 15 USC 1692e 807 False or misleading representations, and U.S. Code 15 USC 1692g section 809 Notice of debt ; contents. XXXX XXXX is trying to collect a debt on behalf of XXXX for the amount of {$1300.00} that i do not owe. It's reporting on all three of my credit reports as a collection account. Account # XXXX. I notified XXXX XXXX in writing that i was disputing the debt and to please send me a validation of debt per FDCPA section 809 ; Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. They have yet provided this information which is in violation of the FDCPA. XXXX, Equifax, and XXXX have yet to remove this account from my consumer report which is a violation of the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Their failure to positively verify the account XXXX XXXX Account # XXXX has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts over the previous attempts to rectify the errors, my credit report still inaccurately reflects unauthorized inquiry that should be removed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that this error have not been removed, negatively impacting my credit score and financial standing. If this error isnot resolved promptly, I will seek assistance from you and pursue legal action to ensure my rights are protected. Kindly help me remove the item immediately : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) ; XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) ; XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit card

This credit card company Conn 's Credit Corp One is reporting on my credit report {$1700.00} of debt. I requested proof baring my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required. 

The Federal Laws that they have broken are below : Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Fair Debt Collection Practices Act. And they may be liable for their willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify and/or validate the accounts I disputed. Being that they have gone past the 30-day mark and can not verify and/or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showing that I was late on payments and I have a 15 day grace period Called the company, they wouldnt help Disputed a few times with the bureaus, no change. 

Dates of late payments : XX/XX/2019 XX/XX/2019
Product: Credit reporting or other personal consumer reports

Attached letter sent to XXXX XXXX regarding Adverse Letter supplied by FIRST ADVANTAGE. This letter was also supplied to FIRST ADVANTAGE. 

Applied for an apartment on XX/XX/2024 at XXXX XXXX XXXX XXXX XXXX and tenant screening company FIRST ADVANTAGE replied stating my application was denied. 
The reason for denial was unlawful and discriminatory and has caused a grave reaction for myself and my family. We were denied housing which hinders the progression to move forward. 

To move this matter, I have created a complaint through HUD on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS A CONSUMER, I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THE FRAUDULENT ITEMS TO BE REMOVED FROM MY CREDIT REPORT. I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THE CHARGES AND THE ACCOUNT ARE NOT MINE, I HAVE NVERE RECEIVED THESE CARDS I HAVE NEVER USED THESE CARDS, AND AN MY AGE I DON'T NEED ANY CREDIT CARDS.
Product: Credit reporting or other personal consumer reports

The primary address on the credit report is not mine. If any of my account representatives sent mail to that address it would not get to me. I need the 2nd address to be the only address on the credit report.

There are multiple names and variations of names on the report. only 1 of the names is my legal name.
Product: Credit reporting

I have made several attempts to access the Experian Online Dispute site. In addition, I have made attempts to access my annual Experian report online. However, I am continually unable to login via my information or report number in the Experian Online Dispute Site. I have been able to only login on one single day recently, though when I entered the same information the following day Experian has an error message and will not allow me to access the site. 

I have sent three letters to Experian over the last two years regarding this ongoing issue. Experian representatives at their call center indicate they do not know who manages the Experian Online Dispute Site and that no one can assist me in troubleshooting the ongoing problem. 

One representative told me Experian limits the number of time you can login to dispute items within a certain time frame to prohibit users from abusing the dispute site to view their credit reports. Two representatives told me they know the number of times but will not tell consumers the number and time span.
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered XXXX XXXX  was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did XXXX fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached XXXX on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.
Product: Credit reporting, credit repair services, or other personal consumer reports

have reached out to Equifax about the unauthorized/unknown inquiries that are on my credit report. They have failed to adhere to my request. In the FCRA. 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. The information i am submitting is posted below. 
Name : XXXX Date : XX/XX/2022 Name : XXXX  date : XX/XX/2022 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Advanced Recovery system has majorly violated my credit report by reporting this inaccurate account. 

This account was deleted from my credit report and re-inserted which is a violation under FCRA 611 part A, 5 B ( ii ) by failing to provide a written notice within 5 days Further more they added this account back and reported a late payment it is impossible for a collection to report a late payment. 

They have also re-aged the date of last activity which should reflect the last date a payment was made. 

Furthermore I have no knowledge of this collection and do not have any agreement with advance recovery system. It is a violation to assume that I owe a debt that hasnt been properly validated
Product: Credit reporting or other personal consumer reports

Disputed a closed XXXX account with XXXX, experian and XXXX just to be responded to by this debt is valid according to the creditor and cases being closed with no chance of being able to request proof of debt owed even from XXXX themselves upon paying debt in full off XXXX website they kept pushing me off to different debt collectors who would send me back to XXXX and I resorted to the credit reporting agencies providing them confirmation numbers of me paying the debt reflect on my report in full from XXXX with account number listed just to get back that the debt on my report is valid.
Product: Debt collection

One day I woke up to a company named National Credit System on my consumer report. I do not know who they are and how they got my non-public identifying information. I have never given consent for them to furnish anything on my report. I demand a debt validation with a wet ink signature copy between XXXX XXXX and National Credit System. I also demand XXXX to block this fraudulent information immediately.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the issue persisted. The inquiry did not disappear after refreshing. I am extremely frustrated by this and urgently request a thorough review of the documents I submitted so I can finally have peace of mind.
Product: Checking or savings account

My Bank Account wont let me move money to my Fidelity account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.
Product: Checking or savings account

I was negative XXXX in my account due to billI put a XXXX check inthe bank returned the paymentI have 2 issues 1 ) the bank should have covered the bill because of the check 2 ) when I first signed up for this account I had overdraft protectionwhen I called the bank I talked to a supervisor named XXXX and he basically said I was a liarI told him I have had overdraft protection and why arent they honoring that original contract..he told me they never had that which is a complete lieI have statements that prove I have had it in the pastXXXX hung up on XXXX bank is Bank of America
Product: Money transfer, virtual currency, or money service

Without warning or reason, PayPal suspended my account thereby withholding {$170.00} and preventing me from receiving numerous payments. I have not received any complaint against me nor have I filed any complaints with PayPal. I called PayPal yesterday and spoke to an agent who transferred me to another agent but then PayPal provided an automated message instructing me to email them before disconnecting. I emailed PayPal and merely received an automated message.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit unions XXXX, XXXX XXXX Equifax are all reporting inaccuracies onto my credit reports regarding my personal information. According to 15 USC 6802 my personal information is not to be provided to the public without my consent. I HAVE NOT given consent for any of my personal information to be released let aline for inaccurate personal information to be released. The incorrect Information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I initially reported to Experian on XX/XX/XXXX. Unfortunately, Experian has not responded to my inquiry. In accordance with the Fair Credit Reporting Act, I am seeking your assistance in resolving this matter. 
I would like to provide the following details of the inaccurate information that requires correction on my credit report : Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} I can confirm that the specified account was never late. The reported information is inaccurate, and I kindly request that you correct this discrepancy on my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} I can confirm that the indicated account was never late. The reported information is incorrect, and I request that you update this inaccuracy on my credit report. 
Account Name : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} I can confirm that the specified account was never late. The reported information is inaccurate, and I request that you correct this discrepancy on my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$11000.00} I would like to emphasize that the indicated account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$400.00} I want to bring to your attention that the aforementioned account is not mine. The reported information is incorrect, and I request that you remove it from my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} I would like to emphasize that the specified account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX. Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} I can confirm that the indicated account is not mine. The reported information is inaccurate, and I request that you remove it from my credit report.