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

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX  XXXX XXXX, Texas XXXX XXXX Phone : XXXX [ XX/XX/year> ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Notification of Violation of Section 611 ( b ) of the Fair Credit Reporting Act Dear Sir or Madam : I am writing to you regarding a potential violation of Section 611 ( b ) of the Fair Credit Reporting Act ( FCRA ). Under this provision, if an item previously deleted from my credit report is reinserted, I must be notified in writing within five business days of the reinsertion. 

I have noticed that the following information, which was previously removed from my credit report, has been reinserted without me receiving the required notification : Reinserted Item : [ Describe the specific item ] Reinsertion Date : [ Date you noticed the reinsertion ] I request that you investigate this matter and provide me with a detailed explanation of the reasons for the reinsertion of this item without the proper notification. Furthermore, I urge you to take the necessary steps to address any noncompliance with the FCRA and ensure that my rights as a consumer are upheld. 

Enclosed are copies of relevant documents supporting my claim, including my credit report with the reinserted item highlighted. 

I appreciate your prompt attention to this matter and expect a response within 30 days, as required by the FCRA. 

Sincerely, [ Signature if on paper ] XXXX XXXX XXXX XXXX Enclosures : Copy of the credit report with the reinserted item highlighted [ Other supporting documents ] Summary of Section 611 of the Fair Credit Reporting Act Section 611 of the FCRA outlines the procedures that credit reporting agencies must follow when disputes arise over the accuracy of information in consumer reports. 

Key points of Section 611 : Reinvestigation of disputed information : If a consumer disputes the accuracy of any information on their report, the agency must conduct a free reinvestigation to determine if the information is inaccurate. 

Timeline for reinvestigation : The agency must complete the reinvestigation within 30 days of receiving the dispute. 

Notification of results : After the reinvestigation, the agency must provide the consumer with the results and an updated copy of the report if changes were made. 

Reinsertion of deleted information : If information is removed from the report and later reinserted, the agency must notify the consumer in writing within five business days of the reinsertion. 

Procedures to prevent reappearance of information : Agencies must maintain reasonable procedures to ensure that deleted information does not reappear on the report without proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

A check for {$100.00} was electronically delivered for deposit into an account on my behalf. I had closed the account. I visited two local branches, spoke with a representative, both of whom stated that the check would have been returned because the account has been closed. 

The Director of Finance Department of the payer emphatically states that the check was not returned to the said institution. This matter occurred in XX/XX/year>. 

What did Citibank do with my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion sites do not allow you to dispute credit inquiries that show up on your account, despite the fact that the inquiries negatively impact your overall credit score and may be fraudulent. I believe there should be an easy dispute process for credit inquiries that are fraudulent. I called around for hours trying to click the correct decision tree to get help for my issue. The sites are hard to navigate and the phone numbers make it impossible to get a live agent for the issue I was worried about - how to dispute the inquiries. 

In my case, XXXX reports that on XX/XX/XXXX XXXX/XXXX  and then on XX/XX/XXXX XXXX/XXXX/XXXX  made credit inquiries on my account ( presumably to open credit lines ). I went to the sites to dispute the inquires and the sites told me to contact the financial institutions where the inquiries originated. I contacted the companies and they required that I disclose a lot of personal identifying information, in order for them to verify that someone had opened credit lines in my name ( using my maiden name ). It appears that two credit applications where fraudulently filed using my information. I do not know how much the cards were for or if anything was charged before I intervened
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account from XXXX that had been " charged off '' suddenly appeared on my credit report in XXXX. It was a card that I was legally only an authorized user on, and my ex-husband was the primary. Per our divorce decree, I am not legally or financially responsible for any credit cards ( open or closed ) that I wasn't the primary user on. This card has never appeared on my credit report before, and because it was " charged off '' after him not paying it for the last 2 years, it suddenly appeared on mine. The account has been closed for almost 2 years and was sent to collections. XXXX has said they are unable to remove my name from the account because it has already gone to collections. And I have disputed the account with both XXXX ( it was immediately approved and dropped ) and Equifax ( disputed 3 times and faxed my divorce decree documentation, but they have denied the request to remove the account ). I am trying to apply for a loan, and the fact that this account suddenly appeared instantly dropped my credit score by almost XXXX points, and my loan has been denied due to this " charge off '' account. I desperately need this card to be removed as soon as possible from the Equifax credit report, as I have full custody of my XXXX children and receive no child support from their father. If removed, I would be able to get a loan approved.
Product: Debt collection

On XX/XX/XXXX I received documentation from XXXX XXXX XXXX stating that their office had reviewed the account with XXXX XXXX in the amount of {$470.00} and have made the decision to discontinue collection efforts therefore deciding to submit a deletion request to the credit bureaus.Today I have received a notification from XXXX stating that a collection account has been added to my credit reports, to my surprise it was the EXACT same collection under a different collection agency called Diversified Consultants trying to collect the exact same debt! Not only was I not previously contacted ( by phone or email ) from this company, it is also stating the debt was opened in XX/XX/XXXX how is that even possible? In addition to that, I have no prior knowledge and NO CONTRACT with this company called Diversified Consultants, I am requesting they send a deletion request to the credit bureaus to have this account removed.
Product: Debt collection

Was not notified of any court action against me. Then threatened with contempt if I didnt reply to order when received notification after six days of statement received. Leaving me two days to have response received by creditor. Would request that court fees and their fees be dropped due to illegal actions.
Product: Credit card or prepaid card

I have bought gold jewelry from XXXX XXXX XXXX XXXX and I paid with my XXXX XXXX XXXX card which is provided by Synchrony Bank on XX/XX/2022. I paid XXXX dollars for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but what I received from XXXXXXXX XXXX XXXX was a gold plated XXXX gold bracelet that is also XXXX inch in length instead of XXXX inch and XXXX mm thickness instead of XXXX mm so the item I received was NOT as described on the seller XXXX website and it is NOT XXXX solid gold but only XXXX plated gold so XXXX XXXX jewelry sold me an item that is NOT what I paid for and not as I ordered and has a lot less gold in it and different length and thickness. I contacted XXXX XXXX XXXX to return the item and get a full refund but they never responded to my issue and never resolved the issue. I disputed the charge with synchrony bank but synchrony bank has not credited my account and has done nothing to resolve the dispute. I was scammed by las villas jewelry for XXXX dollars and synchrony bank should give me a permanent credit for the amount of XXXX dollars but they never did. I was sold an item that is NOT what I ordered but is XXXX gold instead of XXXX gold and different length and thickness. I want a full and permanent refund to my XXXX XXXX Master card for XXXX dollars .and synchrony bank is not resolving this dispute to my favor and has done nothing and never refunded me. The charge is from XX/XX/2022 for XXXX dollars from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXXAmount of Debt : $ XXXX of Debt : XX/XX/XXXX Dear XXXX XXXX  XXXX XXXX I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed breakdown showing how the alleged amount was calculated.

3. Copies of any agreements or contracts I allegedly signed.

4. Proof that you are licensed to collect debts in my state.

5. Proof of assignment or sale of the debt, including the contract or agreement between you and the original creditor, verifying that you have the legal right to collect this debt. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made several attempts to get this fraudulent account XXXX XXXX off of my credit report they keep telling me that they investigated and that this account is mine and it is 100 % not mine this is really inconveniencing me. Im trying to get a house and Im not able to because of this fraudulent account on my credit report, at this point if it is not removed, I will have to start the process of a civil suit which I really do not have the money for but I will come up with the money because I think its so unfair that they keep saying that they investigated, and there is no way that there was no investigation because this is not my account I did not get XXXX  XXXX I am XXXX XXXX XXXX. What do I want to do with some XXXX  XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several items that appear to be inaccurate, unverifiable, and questionable. These errors have significantly impacted my mental well-being. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) ), it is your responsibility to ensure that all information reported is 100 % accurate and properly validated. 

The accounts in question do not meet this standard and must either be corrected or removed from my credit file. I have attached copies of prior correspondence regarding these matters for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
Account ( XXXXXXXX XXXX XXXX  ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish a y information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate.

I can go on and on The Credit bureaus no respect for laws.

Someone newd to hold the accountable for this.
Product: Credit reporting or other personal consumer reports

Experian has lied 5 times already by closing complaints
Product: Debt collection

On XXXX 2015 i was evicted from the department i was leasing, we went to court and the court order the eviction and settle that we owe the the leasing company {$1400.00}. 

The leasing company first sent us a letter stating we owe them {$4700.00} with braking up the amount. 

After that we receive a letter form Professional Debt Mediation stating we owe {$4700.00} and they send this debt to the credit reports. 

Also they post the debt 2 times like if i owe {$4700.00} 2 times, when i contact them trying to settle, i ask them why they post my debt 2 times, the answer from the was that this way my credit score will be lower with the XXXX postings and i will be more urge to pay my debt, i offer to pay what the court settle {$1400.00} and they refuse to settle for less than {$4700.00}
Product: Checking or savings account

Received an email on XX/XX/2023 stating an application for a Bank of America XXXX  XXXX  XXXX  XXXX  has been submitted in my name, XXXX XXXX XXXX my maiden name ). This is the second time this has happened. I reported the first incident as well. Previously I called Bank of America and had them shut down any account I had in my name there, and they stated they had done so. Now another account is being opened using my information again though I did not do this.
Product: Credit reporting or other personal consumer reports

I asked for a reinvestigation for inaccurate information ( payment history ) and they keep verifying it as good
Product: Checking or savings account

I arrived home today, XX/XX/2022, to a Bank of America letter which had new account information and a new debit card that I had to activate. I have never stepped foot in a Bank of America, and as a result, never opened an account with them. I called Bank of America, and after XXXX and XXXX hours of being on hold repeatedly, being hung up on, and being on hold again, I finally spoke with a person who closed the account and alerted their fraud department. She then gave me the information to alert the credit bureaus, the XXXX XXXX, and identitytheft.gov. Also, the account was only opened in my First and Maiden Name. I have not used only those two names in years. I always use my hyphenated last name, which is my maiden and married name. 
( I wrote notes all over the bank information that is scanned. )
Product: Credit card

Barclaycard XXXX has been inappropriately charging interest fees and violating its own terms of service regarding the processing of payments to improperly charge late fees and interest charges for months. 

The Barclaycard terms of service indicate that payments made XXXX, before XXXX XXXX. ET will be credited and payment reflected the payment will be credited on the same day, reflected in your available credit on the next day ( XXXX ), and payment posted on the next day ( XXXX ). Barclay Bank has held that payment over as late as the following XXXX, allowing for them to charge penalties, interest, and late fees to the consumer. 

The second issue is that Barclay Bank continues to charge interest fees to the customer even after the customer has paid their issued statements in full and continues to do so despite knowing that the statements have been paid in full. Further, in order to have those fees removed, a customer typically has to spend between 30 to 40 minutes negotiating with a customer service representative who has no authority to remove the fees, causing the customer to wait additional time for a supervisor to be located. It is only after the supervisor is appraised of the situation will the fees that were improperly levied be removed.
Product: Credit reporting or other personal consumer reports

I, the consumer has attempted severally to have fraudulent accounts removed and blocked but thy have not complied despite the FCRA which is federal law. I have provided a police report, FTC/identity theft report and identification multiple times. My actual physical identification was stolen and has been used by perpetrators across the US. Fraudulent accounts include : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
These inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. 
XXXX is NOT my phone number but has been attached to my reports through a fraudster. My phone number remains XXXX. 
As these issues have hindered me from obtaining bank accounts, property and more using my credit, I'll have no choice than to pursue a law suit against the credit bureaus Trans Union and XXXX if they continue to refuse compliance. XXXX has complied completely thus will not be included in the suit. Attorney XXXX XXXX will be assisting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ComenityBank/Victoria Secret is reporting a XX/XX/2020 & XX/XX/2020. late on my credit file. This late is reporting in error. Due to Covid-19 I applied for the hardship program, and was never late. I've had an account or a really long time and have never been late.
Product: Checking or savings account

The company, CBNA called me and asked me to verify a credit application because I was approved for a XXXX personal credit card, I told the rep that I didn't initiate an application. She asked me to verify information and then removed the application, so the account would not be open. She notified me that the inquiry would be removed from my XXXX report. No action has been taken in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Name : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX , WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX , WA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX , WA XXXX