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

XXXX, Transunion and XXXX has countless times allowed creditors to illegally add items to my credit report without verifying or validating this information, the following account from XXXX. XXXX XXXX Ive sent several certified letters demanding them validate any account they claim belongs to me and each time i have demanded this information this company has ignored my request but still was allowed to post this inaccurate information to each of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have not removed fraudulent inquiries from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 

XXXX XXXX XXXXXXXX Balance : {$290.00}.
Product: Checking or savings account

My problem with 2 Banks : -1- XXXX XXXX  XXXX Bank of America i , m lost between them - i sent before complain ( CFBP XXXX against XXXX XXXX ) no solve - now i would like the both banks contact together see my problem, one bank say my check is cashed and another bank say it is returned i have checking acc., with XXXX XXXX and I have credit card with Bank Of America my account with XXXX XXXX  XXXX - i, m afraid to write my credit card here ( please call me to give the number to you or my full name on bank of America credit card is XXXX XXXX XXXX XXXX last 4 digit XXXX XXXX please read my XXXX com [ lain ( XXXX ) and i complain the both -i need them to make investigation or talk together now my money lost between them - and I have late all my payments - please i woauld like to ask XXXX XXXX  contact and communication with Bank of America or Bank of America contact or communication with XXXX XXXX i have two letter from them one say it is cached and another say it is returned to them
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Reported Late Payments and Request for Investigation Process Explanation Dear CFPB, I am contacting you regarding inaccuracies I identified in the reporting of late payments for my XXXX XXXX XXXX  account. These errors negatively impact my credit profile, and I request an immediate investigation and correction. Below are the account details and specific discrepancies : Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$3100.00} Balance Owed : {$0.00} Credit Limit : {$2800.00} Account Status : Open Payment Status : Current Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Last Payment : XX/XX/XXXX ( XXXX, Experian ), XX/XX/XXXX ( XXXX ) Discrepancies Identified : Late Payments Reported : XXXX : XXXX XXXX payment for XX/XX/XXXX, XXXX late payments for XXXX and XX/XX/XXXX. 
Experian : XXXX late payment for XX/XX/XXXX, XXXX late payments for XXXX and XX/XX/XXXX. 
XXXX : XXXX late payment for XX/XX/XXXX, XXXX late payments for XXXX and XX/XX/XXXX. 
Inconsistent Reporting : The payment history provided by the credit bureaus is inconsistent with my actual payment records, which confirm that all payments were made on time as per the terms of the account. 
The account status remains " Current '' across all three credit bureaus, which contradicts the reported late payments. 
Supporting Evidence : I have attached copies of my payment records along with the relevant sections of my credit report to highlight these discrepancies. These documents clearly demonstrate that I have fulfilled my payment obligations on time. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Additionally, credit reporting agencies are required to conduct a thorough investigation of disputed information and promptly correct any errors as per 15 USC 1681i. 
Requested Actions : Correction of Errors : Update the payment history for this account to reflect " Paid As Agreed, Never Late. '' Investigation Details : Provide a detailed description of the investigation process conducted, including the steps taken to verify the accuracy of the reported late payments. 
Proof of Late Payments : If the late payments are found to be accurate, provide verifiable documentation supporting this claim, including dates, amounts, and communication records. 
Please address this dispute within the 30-day timeframe stipulated by the FCRA. Failure to do so will be considered a violation of my consumer rights. I trust that you will handle this matter promptly and ensure the accuracy of my credit report. 
Thank you for your attention. Should you require any additional information, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

We had an accident with the car and the insurance paid Santander in full, we received a lien satisfied letter twice. I have called several times because they are reporting it as a charge off which has damaged my credit. It's also impacting my financial life and limiting credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft. 
Applying for credit card or accounts, Im in aware of. 
Actions that were taken was not me. 
Hard Inquiries from numerous amount of banks. 
My credit score tremendously has went down. It needs to be disputed please. 
-Capital One Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX. ( IDENTITY THEFT ) please fix!!
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 BANK Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX loans went into repayment XX/XX/XXXX. The consolidated monthly payment across the 7 loans is {$410.00}. The very first payment ( i.e. XX/XX/XXXX ) was incorrectly applied entirely to one ( specifically, the XX/XX/XXXX dated ) of the 7 loans vs. being distributed across all 7 to meet each 's minimum due. This issue was corrected after a call to XXXX in XX/XX/XXXX - the solution was that they went back and reapplied the XX/XX/XXXX payment to the appropriate loans. In XX/XX/XXXX, I observed that my credit score had taken a hit due to a > 90 day overdue balance on a student loan account. After investigating, it became apparent that the reapplication of that XX/XX/XXXX payment had caused the XX/XX/XXXX loan to look like it was in default. I opened a dispute with XXXX, provided a similar description as above, and additionally mailed printed copies of the XXXX XXXX statement to show " good standing '' as well as proof of each monthly {$410.00} payment between XX/XX/XXXX and XX/XX/XXXX. I also confirmed with XXXX over the phone that all accounts were in good standing and that my assumption about the cause of the issue was probably correct. They indicated they would send a dispute form to me to fill out and return to correct the issue - they never did.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself XXXX XXXX my last four Social Security number is XXXX, XXXX : XX/XX/. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I became aware that a charge was made to a card I did not use recently. I reported it as fraud to the company Barclays and subsequently closed the account since this has never happened on any other card I have had and I had no confidence in this company. Today XX/XX/XXXX I receive a call that my account is now in default for nonpayment. They are trying to make me pay for a charge that was reported as fraud. I risk having my credit score negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

I filed chapter XXXX bankruptcy and it was discharged in XX/XX/2015. The debt was originally through XXXX XXXX for XXXX XXXX XXXX in XXXX, Ohio. The lease was signed before I filed bankruptcy. The debt was sent to a collection agency. As a result, my credit report reflected this debt that is no longer valid and had made my life horrible. Innovative Recovery is still holding this debt against me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX someone got into my XXXX account with Citizens Bank and hacked my cell phone. They opened a XXXX XXXX. I had that card cancelled right away with XXXX XXXX. I called Citizens and filed a fraud complaint. I was getting calls from Citizens and they had me on hold for sometime. This was a scam to transfer the money. {$2300.00}. My phone is still hacked and XXXX is working on that. I filed a police report and with Identity Theft.gov. Citizens has informed me that they will NOT refund my money. The banks money is insured, why isnt my money insured.
Product: Debt collection

I have received a letter from Rent Recover of XXXX XXXX XXXX dated of XX/XX/XXXX saying that they placed me for collections on XX/XX/XXXX because I didnot pay the amount of {$6000.00} to The Tides at XXXX XXXX, XXXX for rent. 
I dont know anything about that. I dont even know where The Tides at XXXX XXXX, XXXX is located. 
I called Rent Recover of XXXX XXXX XXXX to know how they found my information, they kept asking me if I know XXXX. I told them no I dont, they said that they see that I co- signed a lease for someone in XXXX. They continued to say that they saw that I paid a certain amount in XXXX to take off my name from the lease. I didnt pay any money to any one take off my name from a lease.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking federal Law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer REPORTING AGENCY prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer REPORTING AGENCY shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) REPORTING information with actual knowledge of errors 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.

( B ) REPORTING information after notice and confirmation of errors a person shall not FURNISH information relating to a consumer to any consumer REPORTING AGENCY if- The person has been notified by the consumer, at the adress specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix
Product: Credit card

Subject : bait-and-switch scheme RE : XXXX XXXX XXXX  card XXXX XXXX XXXX XXXX Transaction Date : XX/XX/2023 Amount Paid : XXXX Payment Method : Barclay Credit Card I agreed and confirmed that the price for car rental was {$280.00}. ( see attached ) Upon arrival to pick up the car, I was requested to pay an additional {$170.00}. 
I refused to pay, did not take car delivery, and left the office. 

XXXX XXXX XXXX XXXX runs a classic bait-and-switch scheme, especially geared toward XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). 
Unfortunately, XXXX XXXX XXXX card involved and supports this bait-and-switch scheme and refuses to fix this situation. 
To confirm my view, you can also visit those two sites : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You'll see literally hundreds complains about XXXX XXXX XXXX and XXXX XXXX XXXX Regard, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 Received a notification from Experian that there was a hard inquiry added to my credit report. I did not apply for any new credit cards so I checked my report and found that someone tried opening a credit card with XXXX XXXX XXXX. I contacted the bank that same day and they canceled the application and did not mail out the credit card. The credit card application information was fraudulently completed and the thief used my maiden name to try and open it. 

XX/XX/22 Contacted all three credit reporting agencies and put a credit freeze on them. 

XX/XX/22 Was unable to file a police report in my town of XXXX CT because I do not have transportation ( someone stole our car recently ) and the police need me to file the report in person. 

I need the hard inquiry removed from my credit report as I am trying to buy my first home and need the best possible credit score. Per the letter from XXXX XXXX XXXX, in order to get the hard inquiry removed, I must file a identity fraud report with FTC and provide them with a copy.
Product: Debt collection

XXXX XXXX " Bullcity Financial Solutions '' has been reporting to all XXXX credit bureaus and damaging my credit. the issue has been resolved with the original party XXXX XXXX has been able to get it removed from my XXXX but they haven't removed it from the other XXXX bureaus
Product: Credit card or prepaid card

Received a robocall from " Citibank '' on XX/XX/21 at XXXX. The person I spoke with said they wanted permission to lower my interest rate and minimum payments, and that it would cover not only my XXXX card but all my credit cards. They said they issue the billing statements for the banks. I called Citibank and was told it was not true. The caller knew my name. I did not give out any other information but I did respond " yes '' to a number of questions. Please stop these people. I try not to answer any robocallsl but the bank name caught my attention since I have an account with Citibank.
Product: Money transfer, virtual currency, or money service

It or identity was stolen go back as far as XXXXto currently also have my bank account lock out due this situation and it XXXX dollars and didn't receive taxes for XXXX XXXX and miss 3 stimulus checks want my funds in my account release and send out new checks from stimulus
Product: Money transfer, virtual currency, or money service

A cashier 's check bounced on XX/XX/17. The check was from a XXXX marketplace sale. The check was for {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX date XXXX XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Product: Credit card

On XX/XX/2024 I requested that JP Morgan Chase immediately stop disclosing nonpublic personal information to a nonaffiliated third party. An official opt out letter was sent and stated that per the FCR as a federally protected consumer I am now opting out of any and all authorization that I the consumer may have given you written, unwritten, verbal and non verbal per 15 usc 6802. No affiliated third parties in this instance include but are not limited to XXXX, XXXX and XXXX. There was no follow up letter or call and the opt out was not performed per my request.
Product: Credit reporting or other personal consumer reports

. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Collection Serv : # XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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.