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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 
XXXX. [ XXXX XXXX  XX/XX/year> ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX  This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting

I rented a musical instrument for my sons school. I gave my credit card information and drivers license. the merchant then asked for my ss number. at this time I asked clearly whether she was going to generate an inquiry on my credit report. she sad no. I told her I did not want that and asked again at least XXXX more times. each time the merchant replied no. she said it was for identification purposes and assured me it was not like applying for credit. the next day I checked my credit and I saw the inquiry. I immediately called the merchant and she apologized and told me she was not aware that was going to happen. she remembered that I had asked several times and told me she did not agree with what happened. she gave me a main number to call. I then called the main number and asked to speak with a credit supervisor. I explained to her my situation. she called the merchant and only asked whether I signed any documentation to which the merchant replied yes. I told her that none of the documents contained my ss number because I was concerned about this. she refused to remove the inquiry. I then called Equifax. I spoke with XXXX # XXXX. he incorrectly told me that only the creditor can remove the inquiry even if it was placed incorrectly. I would not have an issue with the inquiry on my credit report if I was informed correctly what was going to happen. I was misinformed and I clearly asked the merchant and depended on the information that they gave me. I was given INCORRECT information and they should take responsibility for this and have this inquiry removed. as I mentioned because i was concerned, I did NOT place my ss number on ANY FORM. please respond as to what the next step will be. thank you. 
the date of the transaction was XXXX/XXXX/15. the merchant was XXXX at XXXX XXXX XXXX. this was done through XXXX XXXX XXXX XXXX.
Product: Credit reporting

This On-Site company has abused this service that reports inaccurate and bogus credit reporting information to a leasing agents by the name of XXXX Apartments and whomever else they have accounts established here in XXXX XXXX, NV. They asked me to submit documentation to support my disputes for all disputes and discrepancies, and have submitted from both official documents from the US Federal Bankruptcy court of the list of debts discharged in my BK-XXXX on XXXX XXXX, XXXX and a XXXX XXXX XXXX Police report dated XX/XX/XXXX and XX/XX/XXXX of my stolen/lost ID and various other personal information for accounts opened in XXXX that are not mine. Yet XXXX did not do their due diligence to review my official documents to clear my credit file and gave XXXX XXXX a recommendation to not lease to me at the XXXX XXXX. Also, they are incorrectly reporting an old case that was erroneously filed by XXXX XXXX, where I initially leased back in XXXX. That situation has been RESCINDED and cleared from XXXX County public records. And should not have been filed in the first place since the situation was taken care of and paid in full prior to filing the Summary Motion from XXXX XXXX. XXXX XXXX will be addressed accordingly. On-site rental reporting company has created damages to my reputation and integrity to have their damaging and inaccurate report. sent to prospective landowners/leasing agents. I have been in the mortgage lending industry since XX/XX/XXXX, and On-Site.com is violating FCRA and XXXX Credit laws, US Federal Bankruptcy laws and now stated defamatory remarks to my personal character and integrity on their ill reports which in turn prevents me from living a safe and comfortable lifestyle They have not properly researched for truth or accuracy, yet refuses to accept my official supporting documentation. Nor has XXXX conducted reasonable investigation of my disputes, they are reporting incomplete and inaccurate information, and have refused to accept my documentation to verify and report debts that are paid in full.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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: Checking or savings account

So I put {$100.00} in my td account and they been charging me a monthly fee and I can't seem to have anything done to fix it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian and CFPB, I am writing to formally address multiple inaccuracies and misleading entries found in my recent credit report that I believe require immediate correction. The presence of outdated, unverified, and incorrect information not only misrepresents my financial history but also puts my creditworthiness at risk. 



The following discrepancies have been identified : 1. **Misleading and Ambiguous Information** : The report includes vague descriptions related to critical fields such as " Date Opened, '' " Balance, '' and " Payment Status. '' The lack of clarity surrounding these entries can mislead consumers about their actual financial obligations. 



2. **Outdated Data** : The report indicates a " Last Reported '' date of XXXXXXXX  yet it also states " Date Last Active '' and " Date of Last Payment '' as XX/XX/XXXX. This discrepancy raises significant concerns about the accuracy and timeliness of the information being reported, violating the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reports must be current and accurate. 



3. **Inconsistent Account Details** : The report lists an account balance of {$0.00} alongside a high credit of {$10000.00} and a collection status. This contradictory information creates confusion regarding my financial obligations and raises questions about the report 's reliability. 



4. **Inaccurate Payment History** : The two-year payment history is presented in a format that lacks clarity and detail, leaving it difficult to ascertain my actual payment behavior. The absence of clear reporting can unjustly impact my credit score and financial reputation.

5. **Consumer Rights Violations** : The inaccuracies present in this report are in direct violation of my rights under the FCRA, which protects consumers from the reporting of inaccurate or unverified information. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) entitles me to dispute inaccuracies and seek validation of debts reported against me. 



In light of these significant concerns, I kindly request that Experian initiate an immediate investigation into these discrepancies and take corrective action to delete the erroneous information from my credit report. The presence of inaccurate data poses a detrimental effect on my financial health, and it is imperative that my report reflects accurate and verified information. 



I expect a prompt response and resolution to this matter. Thank you for your immediate attention to my request. 



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

I was told by both Transunion and XXXX Credit Bureaus that the Unites States Bankruptcy Court Verified a Discharged Bankruptcy on my Credit Report when I disputed Information contained within. I in turn wrote and asked the United States Bankruptcy Courts to please explain their Verification Procedure and I was given a Letter that they, the United States Bankruptcy Courts " Do Not Verify '' Discharged Bankruptcies with any Credit Reporting Agency, Businesses, or and Data-mining Collection Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert that my XXXX XXXX XXXX XXXX was 30 days late. I 've verified with XXXX  that the account is not 30 days late. XXXX also advised that they did not report this information to the credit bureaus. I believe this was intentional act by the bureaus as my son is involved in litigation with the bureaus. The has caused me financial hardship as I needed to open an account but with a 30 day late mark on my credit file I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote back in XX/XX/XXXX how specialize loan servicing kept my payments going up and up so I did a modification and it lower my payments and my agreement was to pay 3 months of the modified amount on time .... I did that ... on my credit report it shows a LATE PAYMENT I WAS NEVER LATE PAYING THE AGREEMENT ... I called them they stated since I was in modification and did n't pay the FULL amount they reported it as late. Is that fair? why do this company get away with ruining ppl lives. I was one time each month. can this really report false information? can you please look into this cause that is false I paid each month now my credit report showing for 3 months I was late please help me get this restored cause they need to change the wording on this I was on time not late
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The 90 days late from Fed Loan Servicing is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a XXXX year sucessuful repayment rehabilitation loan program, Fed Loan sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not had an account with XXXX XXXX for a while now and i had closed the account with them due to the branch breach like 7/8 years ago and that account has not fell off of my account i have sent out some letters for disputes to each credit burro and it has not fallen off and they have outdated information and or some information that is not mine all starting about 7/8 years ago when i started checking my credit and learning about my credit. I also have house, car and a house bill in my name in places I have never been in going back to when i was like XXXX years old how does that make sense at that age I'm not able to pay a phone bill use a car or buy a house.
Product: Credit card or prepaid card

I was not informed that the rewards program was a one time use it or lose it on one purchase. I was never told when I opened the card, it's not anywhere on the Rewards portal when you login. I had {$580.00} in rewards. I made a {$330.00} purchase and should have had {$250.00} left in rewards. This is through - Crate and XXXX XXXX XXXXSynchrony Bank XXXX XXXX XXXX XXXX -XXXX, TX XXXX XXXX That {$580.00} was also made up of one {$500.00} rewards balance and one {$80.00} rewards balance. They cancelled both as assumed both were used for my {$330.00} purchase which is not how anyone would ever do that if they had even known about this misleading program. This is extremely misleading and I would argue fraudelent to the consumer and this is not a general use market practice for any rewards program I've ever been a part of. I talked with them on XX/XX/26 about this misleading information and where I could find it on the rewards portal or website and they couldn't direct me there. I was also utilizing their chat thread which says at end of live chat you can print transcript. They said they could not email chat thread which seems like another shady practice. Well, the person switched me back to vitual assistant when I said I wanted to cancel this credit card through this misleading rewards program and then I couldn't email thread because it was no longer a live thread. I just can't believe it with this bank.
Product: Credit card

On the night of XX/XX/XXXX into the XXXX, XXXX my phone and wallet were robbed from me in XXXX XXXX and my Chase XXXX credit card had unauthorized used at a store. The transaction was made at XXXX  for {$550.00} I was left helpless without a phone and wallet and I filed a fraud claim with Chase as soon as possible. I was credited the amount and not asked for anything else. On XX/XX/XXXX I received an email that my claims were denied with no further information. I did file a police report.
Product: Credit card or prepaid card

Discover said they were unable to Contact Me using my phone number after many attempts. I also was unable to log in to my account to connect it to my checking account, I Was able to make some progress and found that they were using the Wrong number.. 
I was unable to change it my self because of limited access I address the issue with them they facetiously said it ( must ) be on my end??
Product: Debt collection

I have been disputing this account for years, this was the first time I was made aware of calls placed on XX/XX/XXXX, enrollment in hardship program on XX/XX/XXXXXXXX XXXX XXXX or updating this account on XX/XX/XXXXXXXX XXXX XXXX I did not make any of these contacts, you should have voice recordings of these call which I am more than willing to give my voice sample to prove I did not make these calls, I know you don't know me but I give you my word i did not make any of those contacts, please check to see who made the payment on XX/XX/XXXX because IT WAS NOT ME, I have been saying for years that I was not me and finally now you may have the proof showing I'm not lying, so now its up to you if you are going to do the right thing and check your records, provide me evidence so I can figure out who made those charges and remove this account from my credit file or continue reporting something you know does not belong to me, this almost feels like an account takeover, could you please provide the phone number and email associated with the hardship program.
Product: Credit reporting or other personal consumer reports

I am writing to inform that i was never provided a copy of the privacy notice that XXXX, XXXX and Equifax are required to provide to me under 12 CFR 1016.4 before they disclose any nonpublic personal information about me to any nonaffiliated third party.

I am also writing to exercise my right to opt out of any such disclosure under 12 CFR 1016.10 ( a ). I do not want the credit agecies to share any nonpublic personal information about me with any nonaffiliated third party, unless it is permitted by the exceptions in 1016.13, 1016.14, and 1016.15.

Furthermore, according to the Privacy Act of 1974 ( 5 U.S. Code 552a ) the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. This includes consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax numerous times over the past 2 years in regards to fraudulent accounts reporting on my credit with XXXX XXXX XXXX XXXX XXXX. The following accounts are not mine : XXXX {$8600.00} opened XX/XX/XXXX XXXX {$1300.00} opened XX/XX/XXXX I have reached out to XXXX XXXX XXXX XXXX and reported the fraudulent accounts also. Equifax removed these accounts from my credit XX/XX/XXXX and now they are back on my credit. These are fraudulent accounts that I never opened with this bank and Equifax states they are investigating this information however it keeps appearing on my credit. I am attaching my police report as well as fraud affidavit and letters that I have sent to Equifax. This needs to be corrected immediately or I will have to take legal action against Equifax for not following the law in regards to fraud victims. Please assist me with this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX and Enhanced Recovery Company have both simultaneously reported the same collection of {$290.00} from XXXX on my credit report. They have both been disputed for inaccuracy in reporting and never having given notification of the debt in the first place, and I have had the collection removed from my accounts multiple times : Per XXXX XXXX : In XXXX of XXXX XXXX XXXX was removed from my XXXX report In XXXX of XXXX Enhanced Recovery Company was removed from my XXXX report In XXXX of XXXX the same collection from Enhanced Recovery Company was removed from my XXXX report At a date unknown the same collection from XXXX XXXX was removed from my XXXX   Credit report In XXXX a dispute was filed with XXXX against the collection from Diversified Consultants. Per Experian, the debt was removed by XXXX XXXX. In XXXX of XXXX, the debt was added to my XXXX  credit report by Enhanced Recovery Company, 3 years after it had been removed from XXXX twice, XXXX  once, and removed from XXXX   voluntarily. 

I have been making a concerted effort to repair my credit. I believe XXXX XXXX has been monitoring my credit. It is my honest opinion that XXXX XXXX has maliciously re-inserted this debt, after it has previously been removed several times under dispute, in an attempt to damage my credit.
Product: Debt collection

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XXXX/XXXX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine. This is for both accounts you have on my cbr