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

These are the discrepancies in this account! 

SELF / LEAD XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan Secured loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$530.00} {$530.00} {$530.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/XXXX  balance Secured Date Last Active : XXXX The discrepancies in the account across the three credit bureausXXXX, XXXX, and XXXX in the following areas : Account Number : XXXX : XXXX XXXX & XXXX : XXXX Discrepancy XXXX XXXX 's account number has a different prefix compared to XXXX and XXXX. 
Account Status : XXXX : Closed XXXX & XXXX : Paid Discrepancy : There is a variation in how the account closure is reported ; " Closed '' vs " Paid ''. 
Date Opened : XXXX : XX/XX/XXXX XXXX & XXXX : XX/XX/XXXX Discrepancy : The opening date of the account differs by 8 days between XXXX and the other two bureaus. 
No. of Months ( terms ) : XXXX & XXXX : XXXX XXXX : XXXX Discrepancy : XXXX reports the term as 0 months, which may indicate an error or a lack of data. 
Last Reported : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Discrepancy : There are variations in the last reporting date across the three bureaus, with XXXX XXXX report significantly later than the others. 
Date Last Active : XXXX & XXXX : XX/XX/XXXX and XX/XX/XXXX respectively XXXX : Not reported ( - ) Discrepancy : XXXX does not provide a date for last activity. 
Date of Last Payment : XXXX & XXXX : XX/XX/XXXX XXXX : Not reported ( - ) Discrepancy : Like the 'Date Last Active ', XXXX does not report the date of the last payment
Product: Student loan

XX/XX/XXXX they called me, I have received SEVERAL hard letters and emails telling me to pay a loan I DO NOT OWE! EdFinancial is making up the fact I owe a student loan. XXXX stated I am paid in full! Federal Student Aid said as of XX/XX/2007 I am PAID IN FULL! US Dept of Education stated I am PAID IN FULL! As of 2007. I have FILED SEVERAL complaints against EdFinancial yet they continue ye to harass me! PLEASE help me get rid of these people!
Product: Debt collection

My name is XXXX XXXX, I have collections credit card and make negative my XXXX XXXX. I was trying apply mortgage and auto they denied me because my XXXX XXXX bad. I have family matter where up and down my life so effect with my income. This way I late.. XXXX or didn't pay .... XXXX XXXX is hard. I need help if bureau can dispute the information negative. I need vehicle, house to followed court law. Please, consideration with my issue. I need my kids back. Sir ma'am. 
Help me to get my kids back. If I did not have house or vehicle.i can not go nowhere. Or maybe yall give me other options advice. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I XXXX XXXX  XXXX on my own behalf sent a letter to each of the CRA ( Credit Reporting Agencies ) XXXX, XXXX, Transunion in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 days later I have not been notified either by mail or phone of the receipt of my letters. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will have no other choice then to have my lawyer file for litigation on this matter. In closing, my information was impacted by the XXXX and Transunion data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).
Product: Credit reporting or other personal consumer reports

Today, I am rewriting this complaint to EQUIFAX regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they had completed the investigation. However, when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the information are inaccurate and fraudulently reported? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized credit inquiries still remain on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. If, once your investigation is complete, you find my allegation to be true, please remove these inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Macy XXXX violated my consumer rights by reporting a closed account with no permissible purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts incorrect that needs to be deleted : XXXX XXXX - Account # XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) - Account # XXXX XXXX XXXX XXXX ( original Creditor : XXXX ) - Account # XXXX XXXX- Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15USC 1681 XXXX and Experian is governed by 15 USC 1681. And they violated my rights numerous of times. I demand this account listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give XXXX and Experian any written permission to furnish this account : XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX
Product: Credit card or prepaid card

I received a promo correspondence from Destiny Mastercard to open a new line of credit for XXXX dollars. I accepted and used the card, and spent XXXX dollars. Upon calling to check my balance after getting an insufficient funds notification, the automated teller on the phone gave me a negative balance of XXXX. 
When speaking to a live agent on the phone I was told that the new card was merged with an old account with the same company and that it replaced an existing expired card leaving me with a negative balance of XXXX dollars. 
The problem is the card was sent in a promotional " new card '' packet. The cover page that the card was attached to had no mention of it being a replacement card. Everything in the Mailing showed the card as being access to open a new account. 

Attached is a copy of the letter that came with the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see the attached documentation to meet my demands in a timely manner. I have never authorized or gave written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( original creditor : 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

National Credit Systems is reporting an erroneous debt on my credit file. This debt if a Apartment complex. I recently sent them a letter disputing the debt because i do not owe the anything, they actually ended my lease early without advising and allowed someone to move in before that lease was even finished. Now they are trying to collect a debt on " damages '' to the apartment. I was sent pictures of the apartment as verification of the debt. There is an issues with the documents sent to me. The apartment in the pictures is not mine. I dont understand why they would put that on my credit I know what I had in my apartment and that is not my place. I have tried to contact the apartments and they refuse to talk to me but this is not my apartment and i do not owe them anything. 
I need this collection removed from my credit file. I will contact an attorney and file complaints with the attorney general. i will use all the resources i can to get this off of my credit file as I do not owe them anything.
Product: Credit card or prepaid card

before closing account, i was advise my balance will be adjusted to XXXX from {$3.00}. after 60 days, kept charging {$15.00} late fee foXXXX 2  consecutive months. every time i call them, they advise me to wait 7 days, and balance will be XXXX. as of 80 days balance still not XXXX, which impacting my credit score as well. please help me resolve issue with capital one bank. one of worst customer service i have ever faced, every time i call, i get customer service manager on phone, and same mistake and promise give to me. there is no manager or supervisor available to talk. i have called almost 15 time in 80 days to resolve issue and as of now its still not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint for these two bureaus to remove the unauthorized inquiries that do not and never belonged to me! 

TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a mortgage with USAA. The initial application was on XX/XX/20. I had never received a letter or call regarding the status of my application so I went online to ensure I had applied and resulted in an additional credit inquiry on XX/XX/20. When I called to inquire about my application, which by this time realized my credit was pulled for a second time, I was told by a representative that she will have to deny my application because there is a fraud alert on my credit report and she is unable to verify my identity. Ive been a member with USAA for more than 10 years and have never had any issues until now. I have an extended fraud alert on my credit report due to the XXXX data breach a few years ago where my personal information may have been released. The mortgage lender I applied with after my denial with USAA had no problem asking for a copy of my drivers license and a written and signed letter to confirm I was who I say I am and I was approved with no issues. USAA did not offer this option at all. They are not supposed to deny applicants based upon a fraud alert that is there for their protection and decide to deny them without asking for any other information to verify my identity with. Very dissatisfied with the service I received as a more than 10 year member.
Product: Credit card

There were a multitude of fraudulent charges made on my credit card account. I contacted my bank, Chase, to file a dispute to have these charges investigated. My bank did waive most of the charges in my favor, however they insisted that some of the fraudulent charges were made by me. Their reasoning for this was " You received benefit from this transaction. '' I did not receive any kind of benefit from these transactions as they were not made by me. I've included the charges below. 

XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries appearing on my credit report. These inquiries were made without my consent, and I believe they are a result of my personal information being leaked on the dark web. I am requesting the immediate removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding errors and inaccurate reporting on my credit file. These discrepancies highlight significant inaccuracies in how these negative items are being reported across the three bureaus. Equifax has already deleted most of the disputed items, leaving only one remaining, while XXXX and XXXX continue to report conflicting details.
Product: Debt collection

Heres the revised dispute letter with your updated information included : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX United States Date : [ Insert Todays Date ] To : JP Recovery Services XXXX XXXX XXXX XXXX XXXX, OH XXXX Subject : Debt Dispute for Reference Number [ Insert Reference Number from Letter ] Dear Sir or Madam, I am writing to formally dispute the alleged debt referenced in your letter dated [ Insert Date on Letter ]. I do not recognize this debt or the creditor, XXXX XXXX XXXX, listed in your notice. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full validation of the debt, including : 1. The original creditors name and address.

2. A copy of the original contract or agreement proving my responsibility for the debt.

3. A detailed accounting of the amount claimed.

Until proper validation is provided, I request that you cease all collection activities and refrain from reporting this debt to credit bureaus.

If you are unable to validate the debt, I expect this matter to be closed, and any negative credit reporting related to this account must be removed. 

Please confirm receipt of this dispute letter in writing. 

Sincerely, XXXX XXXX You can print and send this via certified mail with a return receipt. Let me know if youd like additional adjustments!
Product: Student loan

Navient student loans, on XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, to studies XXXX XXXX XXXX XXXX, I graduated onXX/XX/XXXX, I was unemployed, and the time Sallie Mae, send me bills to paid them, they place me into a forbearance, since I didn't have money to paid them, I didn't have other choices, just obligated to be in forbearance, and deferment today date, I owned them {$16000.00}, on my students loans .At the beginning on the loans I only owned them {$9500.00} .Today 's date that they advised me, my estimate pay off is in XX/XX/XXXX and constantly, they changes my terms on the loans, plus they keeping adding interest, adding years, too, they place me on forbearance, and deferment, at any time they wanted, without my consent, Im been struggling paid them back, two years, already, and as soon, ( Sallie mae ) change to Navient, they didn't stop calling and harassment, non-stop, and the school, too, calling me for payment, and I didn't have a job, or unemployment benefits, how can I pay them, I explained them millions of times, and they kept calling me. The XXXX, teacher, she never teach us, she only show us, TV shows of XXXX XXXX XXXX   The biggest, mistake in my life is getting in debt, for a education, that didn't teach me anything, but waste my time and energy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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. 
List of the hard inquiries I want removed off my credit report by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 and not recognized!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Dear ( XXXX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the XXXX XXXX credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



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

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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
Product: Prepaid card

I received a digital American Express giftcard that I have not been able to use. I attempted to use it at various websites and all have been declined yet XXXX cents was deducted for each decline. I attempted to call the number attached to the card but I was unable to speak to an actual person and was only given options to press buttons but never receive any help from a human. I have no idea how to use this card and feel like the company is trying to steal money from the people who are purchasing these cards.
Product: Debt collection

As soon as United Collection Bureau Incorporated called on Tuesday XX/XX/2021 they began by asking for personal information such as social security number and date of birth which is first off alarming and unacceptable. They said its their means of verifying they have the right person. In my refusal to give them my personals they got upset. I then proceeded to tell them to send whatever this matter is to me in writing but after I communicated that they disconnected the call, TWICE. Very unprofessional and unethical practices! need some type of resolve in this matter!