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

XXXX ; Experian and XXXX should not be reporting a collection/charge off in the amount of {$410.00} on the JPMCB partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and each bureau is reporting different dates of last activity! Also, the bureaus are not reporting this account as in dispute. This account in fact is in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit score and there is 2 hard inquirys that Im not familiar with at all. I never applied for XXXX or XXXX. Please Im only XXXX so Im trying to help my score, but these hard inquiries are incorrect.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX ive requested for a Full Disclosure Report from all XXXX major bureaus! And can not get them. They cant verify my identity if what they are saying. I cant get into my XXXX  account nor My XXXX online account. Experian I found a digital account under my name.I want access to everything on each report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my son get a loan for college and when I spoke with the lady from the bank she told me that I was not able to get the loan right now because of my credit. I really didn't understand how because I don't have credit issues. I went to look at my credit and there is a XXXX XXXX account XXXX and some inquries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please remove these. I contacted FTC and local police immediately also.
Product: Vehicle loan or lease

I RETURNED THE LEASE BACK TO XXXX AND THEY KEPT IT THEY SOLD IT AND SOLD THE LOAN TO A COLLECTION COMPANY AND ITS STILL REPORTING TO MY REPORT AND ITS AFFECTING MY REPORT NEGATIVELY - PLEASE HELP! 
XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose XXXX XXXX XXXX Account Name XXXX Account Number Auto Lease Account Type Individual Responsibility XX/XX/XXXX Date Opened Account charged off. {$7400.00} written off. {$7400.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$15000.00} Original Balance {$0.00} Highest Balance 36 Months Terms XX/XX/XXXX On Record Until {$7400.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY
Product: Mortgage

Requested to remove PMI from my mortgage as the housing values have gone up exponentially over the past 2 years. Paid for a XXXX  and the appraiser used comps that I do not agree with due to the year built of the properties which does not correlate to newer builds. I disputed this with comps that were provided and it was denied due to homes not being as near as the XXXX comps but are more clearly similar due to year built.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC Section 602 states I have the right to privacy and these accounts violate my rights.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint regarding the handling of my credit report by Experian, XXXX and XXXX. Despite my efforts to correct inaccuracies related to my address and name, the credit bureau has failed to update their records accurately. 

I have previously disputed the incorrect information related to my old address and name. I submitted all necessary documentation, including my current identification with the correct address and name. However, the credit bureau has incorrectly updated their records as accurate, disregarding the evidence provided. 

This has caused significant inconvenience and potential impact on my credit profile. I request your assistance in resolving this issue and ensuring that my credit report reflects my accurate and current information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

THE HEREIN MENTIONED DATA FURNISHER AND/OR FINANCIAL INSTITUTIONS USED DECEPTIVE AND UNFAIR METHODS TO OBTAIN CONSUMERS CONSENT TO DISCLOSE PRIVATE, NONPUBLIC FINANCIAL INFORMATION TO THIRD PARTIES WHICH INCLUDE BUT NOT LIMITED TO XXXX XXXX XXXX XXXX, AND XXXX AFTER FRAUDULENTLY OBTAINING CONSENT THE HEREIN MENTIONED DATA FURNISHERS, CREDITORS, AND OR FINANCIAL INSTITUTIONS THEN USED THE CONSUMERS IDENTIFYING INFORMATION TO FURNISH INFORMATION TO CONSUMER REPORTING AGENCIES, BREACHING
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX FUNDING ( XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$830.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I have no account or binding contract with this company, I have never opened an account with this company so I have no debt with them. Please discontinue on collecting and or reporting to my credit agencies
Product: Credit reporting

Despite multiple requests, via phone, mail, and online dispute, wherein I have reported that a particular item on my report ( XXXX XXXX Bank Acct. # XXXX ) is not mine, Experian has neglected, failed and refused to remove and delete this item or respond to my request for re-investigation pursuant to FACTA and FCRA. Rather, the report merely idicates the item has been " updated, '' meaning that the item " was verified as belonging to [ me ]. '' I continue to dispute this " update '' ( and want to learn more about how they purportedly carried out their alleged investigation and " verification '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$140.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Product: Money transfer, virtual currency, or money service

We are a small rural volunteer  fire department and were doing a transaction with XXXX  sales and XXXX XXXX. We recieved the XXXX  bottles and then recieved an email the same day saying that the invoice was due to do a wire transfer to XXXX to a chase account I also just noticed even that email address changed to XXXX halfway through the correspondence this money went to

J.P. MorganChase and theyre claiming that whoever got that money wont return it and were screwe d!! Theres got ta be something we can do! I called chase and got bounced t o 5 different departments before they said oh well you dont have account with us we cant help you!!! And hung up!!
Product: Debt collection

Forever 21, XXXX XXXX XXXX and multiple credit card companies have been calling me asking me to pay debt that was accrued due to identity fraud. My mother opened multiple credit cards in my name and never paid off the debt. I have told this to multiple credit card companies that call me and think still think Im liable to pay debt that is not rightfully mine. I have even made a police report about my mother committing identity fraud and opening credit in my name. She used my name and fake birth year to act like I was legal to get a credit card and never paid the debt off.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute a fraudulent vehicle purchase and loan agreement associated with my name and personal information. On XX/XX/XXXX, a XXXX XXXX XXXX was reportedly purchased at Quality Automotive located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX under my name and with financing provided by XXXX XXXX XXXX. However, I did not sign for this loan nor was I present at the time of the transaction. 

To clarify, I did not authorize the purchase or loan and did not physically sign any documentation for the vehicle. I have never been to the dealership, nor have I interacted with the seller, XXXX XXXX, at any point in time. Upon contacting XXXX XXXX regarding this issue, I was given the run-around and directed to speak with the owner, who has failed to provide a resolution. As a result, I have also contacted XXXX XXXX XXXX, submitted an identity theft report, and requested an investigation, but was informed that there was nothing they could do to resolve the matter. 

This situation clearly constitutes identity theft and fraud, as someone else used my personal information without my consent to procure the vehicle and loan. The actions of the dealership and any individuals involved in this fraudulent transaction are unlawful and a violation of my rights under both federal and state law. 


I request that you immediately investigate this matter and take the following actions : XXXX. Provide a full investigation into this fraudulent loan and the circumstances surrounding the vehicle purchase. 

XXXX. Cancel the loan associated with the fraudulent transaction and remove any associated negative credit reporting resulting from this matter. 

XXXX. Provide written confirmation that no further action will be taken regarding the loan under my name, and that my credit report will be cleared of any fraudulent accounts. 

XXXX. Initiate legal action if necessary against the individuals responsible for this identity theft and fraud, including the dealership and any employees or agents who facilitated the transaction. 

This situation is in clear violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable state laws governing identity theft and fraud. Under the Identity Theft and XXXX XXXX XXXX ( 18 U.S.C. 1028 ), the use of someone elses personal information without consent is a federal offense. I am entitled to dispute this fraudulent transaction and request that any associated debts be nullified as I have not authorized them in any way. 

I kindly request that you treat this matter with urgency and provide me with an update on the status of your investigation at your earliest convenience. Please confirm in writing that this fraudulent loan will be removed from my records. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Product: Credit reporting or other personal consumer reports

just reviewed my XXXX for the first time and i have so many unauthorized inquiris that do not belong to me please help me they did not all fit in my reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am contacting Transunion in regards to the recent response to my CFPB Complaint # XXXX. Again, Transunion has not properly provided verification of method of verification. I didnt ask for confirmation through a data furnisher or automated messages. By law, the account is to be removed as you are well over the XXXX day window allowable according to FCRA. I demand you remove the account XXXX XXXX immediately. 
This is now a violation of my rights! I am disgruntled and demand Transunion to remove/delete the account reporting to XXXX XXXX as it is in violation with FCRA. Please advise I will be seeking damages/lawsuit and reporting you and the company to the attorney general as I have made several attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau XXXX and XXXX said they verified a collection on my account however there is no proof of verification and they had previously removed it from my credit report and then placed it back on ( I will be sharing screen shots, so glad I took those ) This company has been such a pain to get this incorrect information off my credit because it is not my collection and they arent doing what they are supposed to do based on the Fair Credit Reporting Act!
Product: Credit card or prepaid card

I have a credit card from Bank of America. It is a XXXX credit line that requires pay off each month. For approx. ten years I have had card and used it for the rewards. <P/>I received a letter dated XX/XX/XXXX, that Bank of America had closed my account because I had too many open trade lines, and had high balances on other cards. <P/>Never missed a payment or been late on this account. ( or others in the last 2 years ) Letter indicated any rewards I had would be forfeited. I had XXXX points in rewards. I did not close the account, nor did I do anything to invoke having my account closed- I know you have accounts at the " leisure '' of the financial institution, but without being guilty of any type of misconduct, I feel it is inappropriate for them to keep my points, I earned them via XXXX XXXX, which I PAID for since I paid the balance off each month. This was not a revolver, so if its paid, the rewards are earned. <P/>This is a terrible way to take advantage of customers. This is Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an open automobile account with Santander consumer USA and I disputed the dates that were not showing as they havent reported the account current to the month of XXXX it was only showing since XXXX now XXXX removed the account from my XXXX report although my account is current and still going also on my XXXX XXXX report they increased my amount by {$260.00}  with no reason after I called Santander it shows that is incorrect! I want XXXX to put the account back on file as it was and XXXX XXXX to correct the amount owed to Santander consumer USA immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/1988 SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD A STUDENT LOAN THAT WAS CLOSED AND TRANSFER BUT THE MAIN ISSUE I AM HAVING IS I AM MISSING MY PAYMENT HISTORY ON THIS ACCOUNT. FOR THE MONTH THAT I HAVE MADE PAYMENT. WHAT THE REPORTING AGENCY ARE REPORTING IS NOT ACCURATE. I CALLED IN AND I EVEN TRIED TO REACH OUT TO ED FINANCIAL WITH NO LUCK. THE LOAN TRADE LINE XXXX MY PAYMENT HISTORY ON THIS ACCOUNT BEGINS XX/XX/XXXX XXXXAND IT GOES TO XX/XX/2012 I SHOULD HAVE 24 MONTH OF GOOD PAYMENT HISTORY ON THIS ACCOUNT BUT WHAT ITS SHOWINGON MY XXXX  AND MY XXXX XXXX CREDIT REPORT A VERY IN COMPLETE MISSING ALOT ON XXXX XXXX IT ONLY SHOWS 7 MONTHS OF HISTORY ON XXXX  IT SHOWS 9 MONTHS ONLY. ON BOTH IT NEEDS TO BE UPDATE TO SHOW THE COMPLETE.
Product: Credit reporting or other personal consumer reports

For years now XXXX has violated privacy laws. XXXX and XXXX BOTH have FINALLY COMPLIED and have removed blocked deleted the furnishing from LEXIS NEXIS which is FROZEN by the way ; LEXIS NEXIS DOES NOT HAVE FIRST HAND KNOWLEDGE nor the CONSENT TO USE NON PUBLIC INFORMATION!!!! 

NEITHER OF YOU HAVE SIGNED SOCIAL SECURITY XXXX FORM XXXX and you are causing XXXX IN THE LIBEL!!! 

REMOVE THIS XXXX!!! 

THE COURTS DO NOT FURNISH DATA SO YOUR DISPLAY IS MISLEADING AND FALSE REPRESENTATION AS YOU PURPORT THE CLERK OF COURT HAS SHARED NON PUBLIC INFORMATION WITH YOU WHICH IS DECEPTIVE TO SAY THE LEAST!!! 

AND YOU ARE MISINFORMING THE PUBLIC YOU ARE GUILTY OF AGGREGATE IDENTITY THEFT!!!! 

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

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were inquiries showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting act XXXX account XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.