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

XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

I am reaching out XXXX again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.
Product: Debt collection

On XX/XX/year> While serving in the XXXX XXXX XXXX, a fellow service member stole a dufflebag containing sensitive documents including my birth certificate, social security card, government I.D . Drivers License, XXXXXXXX XXXX  . Cell Phone, Laptop, Tax Returns among other things. This Individual then went on to open several lines of credit in my name and I've been trying for years now to fight these reports on my credit with little help, I'm filing this dispute in hopes to receive some response.
Product: Student loan

Navient has been giving me XXXX about my student loans since I 've been dealing with them. Most of my loans are consolidated now but still a few with Navient are not and I 've been trying to take care of this situation over a couple of years now. They have me as defaulted on the XXXX website and it 's false information. This has also affected my credit rating.
Product: Credit reporting or other personal consumer reports

This is my complaint that the Bureaus did not Resolve my request to remove these negative Items from my Credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Re : CFPB No : XXXX Capital One was not able to provide an explanation as of why the information provided was false and did not match the information in the credit report. The reason for the decline : " Based on your credit report from XXXX, length of credit history ''. This information is false and not reported as such by XXXX, where the credit card history is stated as 21+ years. Capital One has inquired with XXXX and XXXX as well based on the credit report inquiry information. Capital One needs to provide the reason why the reason for the decline does not match the XXXX report. A complaint will be file with XXXX as their information was used falsely. <P/>Manager mentioned that Capital One is not inclined to open an account for someone who is citizen of another country or has dual citizenship. This seems to be the only justification for the decline.
Product: Credit reporting or other personal consumer reports

I SENT THE FOLLOWING LETTER TO THE 3 CREDIT BUREAUS ABOUT REPORTING INACCURATE INFORMATION TO MY CREDIT REPORT AND REQUESTED THEM TO DELETE THE ACCOUNTS WITH INACCURACIES. 

XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hello, I received a copy of my credit report and found the following items to be errors. Please see below, I have listed out the account, the error in reporting, and what action needs to be taken. 

These items are not reporting 100 % accurately and FCRA laws ensure that bureaus report only 100 % accurate credit information. 

Every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ERROR IN REPORTING : XXXX REPORTS 30 DAY LATE PAYMENT ON XXXX XXXX XXXX REPORTS 30 DAY LATE PAYMENT ON XXXX XXXX EQUIFAX REPORTS 30 DAY LATE PAYMENT ON XXXX XXXX ACTION : PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT DUE TO ERROR IN REPORTING, AS PER FCRA ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX ERROR IN REPORTING : XXXX XXXX 30 DAY LATE PAYMENT IN XX/XX/XXXX XXXX REPORTS 30 DAY LATE PAYMEN IN XX/XX/XXXX EQUIFAX REPORTS 30 DAY LATE PAYMENT IN XX/XX/XXXX Action : PLEASE DELETE THIS ACCOUNT FROM CREDIT REPORT DUE TO ERROR IN REPORTING, AS PER FCRA ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ERROE IN REPORTING : XXXX REPORTS HIGH CREDIT {$190.00} XXXX REPORTS HIGH CREDIT {$190.00} EQUIFAX REPORTS HIGH CREDIT {$500.00} ACTION : PLEASE DELETE THIS ACCOUNT FROM CREDIT REPORT DUE TO ERROR IN REPORTING, AS PER FCRA ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX ERROR IN REPORTING : XXXX REPORTS DATE LAST ACTIVE XX/XX/XXXX XXXX REPORTS DATE LAST ACTIVE XX/XX/XXXX EQUIFAX REPORTS DATE LAST ACTIVE XX/XX/XXXX ACTION : PLEASE DELETE THIS ACCOUNT FROM CREDIT REPORT DUE TO ERROR IN REPORTING, AS PER FCRA ACCOUNT XXXX : XXXX XXXX  ACCOUNT NUMBER : XXXX ERRORS IN REPORTING : XXXX REPORTS HIGH CREDIT {$11000.00} XXXX REPORTS HIGH XXXX {$11000.00} EQUIFAX REPORTS HIGH XXXX {$500.00} XXXX REPORTS DATE OF LAST PAYMENT XX/XX/XXXX XXXX REPORTS DATE OF LAST PAYMENT XX/XX/XXXX EQUIFAX REPORTS DATE OF LAST PAYMENT XX/XX/XXXX ACTION : PLEASE DELETE THIS ACCOUNT DUE TO ERROR IN REPORTING, AS PER FCRA ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ERROR IN REPORTING XXXX XXXX REPORTS DATE OPENED XX/XX/XXXX EXPERIAR REPORTS DATE OPENED XX/XX/XXXX EQUIFAX REPORTS DATE OPENED XX/XX/XXXX XXXX REPORTS DATE LAST ACTIVE XX/XX/XXXX XXXX REPORTS DATE LAST ACTIVE XX/XX/XXXX EQUIFAX REPORTS DATE LAST ACTIVE XX/XX/XXXX ACTION : PLEASE DELETE THIS ACCOUNT FROM CREDIT REPORT DUE TO ERROR IN REPORTING, AS PER FCRA I demand that these items be investigated and removed from my credit report within 30 days. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. Please send me an updated credit report to the address listed out below. 



Thank you, XXXX XXXX XXXX Driver license copy XXXX XXXX XXXX XXXX Social security card copy XXXX, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2019 there was a charge for {$430.00} from XXXX XXXX XXXX XXXX TX on card XXXX. I filed a billing dispute for the incorrect amount of XXXX, which I later notified citibank should have been for {$400.00} at which time I provided the final billing statement from XXXX reflecting the correct charge should have only been {$23.00} on card ending in XXXX. Citi continued the to dispute the charge seeking a refund of {$380.00} despite being updated of the correct disputed amount was {$400.00}. XXXX responded providing documentation showing a refund. The only refund listed under the merchant response was issued XX/XX/2019for {$100.00} to the card ending in XXXX. Furthermore no documentation was provided by the merchant as indicated in their response comments. This leaves a remaining disputed amount of {$300.00} unaccounted for. 

For charges datedXX/XX/19 onward the merchant was provided card number XXXX. 
In the merchants response a second refund of {$230.00} on XX/XX/2019 is mentioned. However, they fail to provide an explanation or supporting documents for this credit issued to a different card number. 
Despite different card numbers being utilized and documentation provided CitiBank continues insisting the {$230.00} credit issued to card number XXXX is related to the disputed charge of {$430.00} on card number XXXX in error. I have made multiple attempts to inform CitiBank of this continual error to no avail. I am asked to resubmit all the documents, the case will be reopened and I will receive a response in 5-7 business days which I never do. On XX/XX/XXXX after spending over hours in total with CitiBank to recitify this error I was hung up on, yelled at, given false and misleading information and finally told if I want this corrected I will need to take legal action against CitiBank by Disputes XXXX XXXX. CitBank has failed to provide a response or explanation for their actions when the inconsistencies are pointed out and documents provided are contrary to their statements.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXXHUNTERWARFIELD would verify the debt. So I took it upon myself to ask HUNTERWARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX.
Product: Debt collection

Continued calling my cell. Pushing about a debt we never owed, have no idea what they are talking about, use profane, threatening and abusive language / tactics. 
Asking them to stop calling only causes them to increase frequency and elevate the abusive rhetoric. 
Upon checking with all credit institutions, no such debt exists on any record anywhere. 

They call from XXXX and from research it appears I am not their first target.
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 XXXX 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, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

An account on my credit report is reporting a collection that is inaccurate. The collection company is trying to report the collection as being newer than it really is. I Received a response from my dispute letter on XX/XX/XXXX from the collection company in which they validated the debt as accurate. Then I tried disputing this with the credit reporting agency Equifax three times. Letters sent certified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have not sent a response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 recieved a credit card in the mail from XXXX XXXX which i never applied for so i disregarded it until a few months later when i was going over my experian credit report and noticed luckily my score was down XXXX points from very good to good due to lack of payment. since i never make a late payment and my payment history is perfect i looked further to see that it was XXXX XXXX who own the XXXX XXXX XXXX XXXX. i have spoken to XXXX XXXX over 15 times ( first time XX/XX/XXXX XXXX ) and explained that this is fraud and was assured by the rep that it would be reported as fraud and the credit agencies would be notified as suchXXXX XXXX XXXX however did not report it as fraud, they reported that they believe the information was accurate about my payment being late and although they assured 10 different reps that the account has been closed. not one thing that XXXX XXXX or XXXX XXXX  has told me has been the truth. they have lied or misrepresented every communication or information given to me. even with my exceptional credit history Experian has done nothing to protect my credit rating. aftyer multiple frustrating attempts to get Experian to help my case i was last told by them that fraud or identity theft is not their problem i should call the police or fbi. i am a 30 year employee of the XXXX XXXX sheriffs dept. working in law enforcement so i couldnt believe my ears. i was given experian by my employer because someone attempted to open a unemployment case under my name fraudulently over a year ago. experian was given to all of us at no fee to monitor and keep our identity and credit safe and the opposite has been done. as of today the XXXX account remains open with negative late payment reporting continuing on my experian credit report and my score continues to go down. i reached out to XXXX one more time but they refuse to look further into the fraud. this credit was never activated and of course never used and rhere are no charges on it. i believe it is ther activation fee they has has not been paid and refuse to close the account unless it is paid. it is criminal but there is no recourse against this co. respectfully submitted. XXXX XXXX
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the XXXX  place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly.
Product: Credit reporting

I am having an issue with equifax. i have spent over 7 hours in the last two months on the phone with them trying to straighten out my credit. I subscribe to their online credit monitoring. and one of my problems that they ant explain to me is why my credit score keeps dropping XXXX points or more almost everyday I pay my bills ontime every month. XXXX accounts on equifax are fraud 1. XXXX 2. XXXX. i was on the phone today for a little over 3 hours trying to get answers and all i received was the texas two step. please help me. my score was XXXX now XXXX and less then 2 months and they cant tell me why..I also filed a police report with them showing that the items where a fraud accounts.
Product: Credit reporting, credit repair services, 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. 

Account name : 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 section 2 : It also. states a consumer reporting agency can not furnish an 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance Owed : XXXX
Product: Checking or savings account

On XX/XX/XXXX, XXXX around XXXX AM, I visited the JPMorgan Chase Bank location at XXXX XXXX XXXX in XXXX, IL XXXX. I visited the ATM inside of the branch lobby ( next to the tellers ) and attempted to withdraw {$1500.00} in cash. The ATM made several funny noise ( which were noticed and acknowledged by bank staff ) but the machine never disbursed the cash. I immediately went to an available bank teller and she checked my account to find out that ATM debited my account for the amount, but confirmed that the cash was not disbursed to me. 

I met with a banker who filed a claim over the phone and I was told that a credit would be issued within a few hours. After several phone calls to Chase Bank, I have received conflicting information and I still havent received the credit to my account. This was an error on Chase Banks behalf & I as the customer am left dealing with the hardship from this matter.

I am requesting an investigation into JPMorgan Chase Banks practices concerning ATM transactions and hardships created by the bank not taking immediate action to make the customer whole. Chase Banks error and refusal to immediately correct the error has caused me hardship as those funds were being withdrawn to address a time sensitive matter. 

I am requesting assistance in securing a permanent credit from JPMorgan Chase Bank along with any information you can provide to address the hardship created by the banks error.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX has not sent me my Tennessee unemployment card. It should have been here weeks ago. What is so frustrating is that their website does not have any type of email assistance and has no chat and I've been on hold for hours trying to call customer service. There is literally no way to reach them I can't even report the card lost or stolen because I don't have a card number to give them how can I give them a card number if I've never received the card. This is beyond frustrating and something needs to be done
Product: Debt collection

They company radius global solutions llc have contacted me in regards to attempt to collect a debt that I dont owe to them. 
I XXXX XXXX is the original creditor who didnt sign an documentation with Radius and have no knowledge of an account with them and dont owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw an account from convergent for XXXX. I have never had an account with sprint. I have filed a identity theft affidavit ( reference number : XXXX ) with the FTC. My sister in law XXXX XXXX XXXX used my information to open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent XX/XX/2020. The 60 Day demand to comply was sent on XX/XX/2020.