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

I, XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over a year since my last credit report has been updated on Experian. My credit report via Experian shows it was last updated on XX/XX/2022. I have tried to contact Experian through phone and written letter, and have yet to find remedy in this situation. 

I have also submitted a complaint to Experian via CFPB on XX/XX/2022, letting Experian know that they have not updated my score online. Experian responded on XX/XX/2022 stating that they would mail me an updated report, but never mentioned updating my profile online. I am also unable to see anything from Experian when I use a third party, such as XXXX XXXX ( which pulls up all 3 bureaus ). The Experian section is completely blank. 

It appears that Experian is intentionally and willfully being neglectful in remedying my affairs. This is unacceptable, as 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law ; which Experian has NOT updated for OVER A YEAR NOW. This is unfair and against federal law.
Product: Credit reporting or other personal consumer reports

The same company filed two collections reports against me with TransUnion. Both of these accounts are the results of fraud. I disputed one online. However, Transunion will not allow me to dispute the second fraudulent account unless I wait for the first one to be completed or unless I physically mail them. This is unreasonable in terms of both my time and my money, and it is simply a delay tactic to avoid their taking responsibility for their false reporting. It is also inconsistent with the practice of the other two bureaus.
Product: Debt collection

This account has been removed from my  XXXX  file and I 'm having the hardest time having it removed from my  XXXX  and  XXXX  file. There are  XXXX  accounts listed on my  XXXX  and which I believe they are duplicate account listed. I have sent in several letters via certified and I have n't received a response in this matter.
Product: Debt collection

A long time ago I had XXXX XXXX XXXX for the Internet they are trying to say that I never returned the equipment and they are charging me for the equipment almost {$1200.00} at XXXX XXXX XXXX rep came to my house and personally picked up that equipment so Im confused as to why they never reported it Its been over XXXX years and now its hitting my credit out of nowhere. I am trying to file a dispute with this company because I do not feel like I should pay {$1200.00} for equipment that was picked up. I would like them to remove this from my credit and stop harassing me with phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am personally submitting this dispute.please review a copy of my complaint and proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Opened : XX/XX/XXXX Creditor : XXXX XXXX XXXX, aka " XXXX '', aka " XXXX XXXX XXXX '', aka, " XXXX XXXX, XXXX '' High Credit : {$20000.00} Bureau Code :  Co-Signer Collection Agency : XXXX XXXX XXXX XXXX Issue # 1 : The creditor is reporting the same ( {$20000.00} ) account twice. There was only ( ever ) one loan, but the creditor is reporting as if it's two separate loans/accounts. 

Issue # 2 The account was opened in XXXX, went delinquent, and ultimately the creditor obtained a court judgement in XXXX. I'm under the impression that negative accounts could only report for 7 years. If this account was bad in XXXX ; why is it still reporting on my credit report.
Product: Credit card or prepaid card

Hello - In XX/XX/XXXX a 30 day late payment was erroneously listed on my credit report that lowered my credit score substantially.  Due to that error on my credit report, Bank of America lowered my credit limit on both of my credit cards.  I received emails onXX/XX/XXXX and letters dated XX/XX/XXXX informing me that BofA was lowering both of my credit limits.  I have been a loyal customer with BofA since XXXX   and have always paid all of my bills on time with them.  I recently had a battle with XXXX XXXX and I am very grateful to be cured.  However, I am working very hard to pay of debt and my credit limits are very important to me.  The error on my credit reports has been fixed and I called BofA thinking they would easily return me to my previous credit limits as the reason for they changed them was in error and was now remedied.  They refused to honor my request and I am frankly astonished.  I am a very good customer with an excellent payment history and I am thankfully recovering from a very serious illness.I sincerely appreciate any help you can give me in restoring my credit limits to their previous levels.  I hope to resolve this quickly and easily so we don't need to go to a campaign on social media to address this issue with BofA.
Product: Credit card

american express failed to provie a refund for a fraudulent order for nearly XXXX years. 

this is a violation of federal and state laws. 

american express owes me interested for essentially giving them a {$XXXX} loan for years. the purchase date was sept. XXXX XXXX i have constantly disputed this for years but instead of giving my money back American express cancelled my account for no legitimate reason. 

this is retaliation and should be met with federal criminal penalties and sanctions. 

american express is the most worthless company one can only hope XXXX finds your corporate team. 

i plan to sue the XXXX out of amex for this and i hope to publicly post the addresses of every corporate employee at amex.
Product: Debt collection

I was contacted On XXXX, and XXXX by a XXXX regarding a debt. He claims they have sent multiple letters in the mail and have called multiple times. Ive lived in the same place for seven years and I havent recommend any letters and the calls just started XXXX. I was told I was being hostile on each occasion and hung up on. I asked the first two times. What is this regarding and they didnt wish to state anything further than wanting to know my social security number and address. Today XXXX I spoke with four different people. An each were very hostile as I tried to explain. I wanted to verify the debt. I asked for a debt verification letter. I was told they would not provide one and I was informed they would mark me as being hostile and unwilling to take care of the debt. I asked the company name and was told XXXX XXXX XXXX. I asked regarding there location and was told they will not disclose it because there are a lot of crazy people out there. So I asked how do I know this is a real debt and Im not being scammed? Asked if the call was being recorded because it was not stated. I was hung up on for the third time and a guy answered and stated his name was XXXX. I said thats mighty fun when you sound alot like XXXX  that left me two voicemails that are identical. He told me all I want to do is argue and they will see me in court. An hung up on me. The numbers I call and was given is XXXX and XXXX. Both numbers ring for awhile before someone answers. Nothing about the calls suggests debt collectors. They keep suggesting filing a lawsuit against me even though I dont know who they are nor what the debt is regarding or if its legitimate because they refuse to answer any questions.
Product: Debt collection

A person named XXXX XXXX from Independence Capital Recovery LLC contacted me today XX/XX/23. I did not answer because I was at work! They left a voicemail, but didnt say anything about who or what I owe. On my way home from work today, I received a text message from my landlord telling me that they called her! Told her that they have been trying to contact me for a long time! This is the first that I heard of these people! My landlord was very upset! Im very worried that I will not be able to renew my lease because these people have harassed her! Why would you call my landlord?! Then on top of that, my father in law told my husband that they called him too?! This feels very illegal! The law says that they can call a third party to locate me. They literally called ME! So they already have my contact information!
Product: Credit reporting

XXXX is requesting payment for an account that I do not owe on. {$140.00} from XXXX These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$140.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX AND XXXX, in their respective states if this is not resolved NOW! EQUIFAX and These CRAs should be banned from doing business and ruining peoples lives without verifying information XXXX! 
I 've ALWAYS had this type of trouble before with EQUIFAX. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
I have submitted as well an official SS card and pay stub, wtc with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 i sent disputes to the credit bureaus about UNLAWFUL activity on my credit report I noticed a few days prior. XXXX Equifax, and XXXX  have all failed to adequately response to me in a timely matter as all disputes should be resolved within 30 days!! it is now XX/XX/21 as I write this which is basically 45days and still haven't had my credit report updated!! It is law that failure to resolve and validate these accounts is grounds for them to be DELETED IMMEDIATELY. 

Thes companies just do what they want to consumers like me and I won't stand for it, I know my rights and laws! Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately, failure do so and i will file for litigation due to violation of LAW and FCRA! 

Also late payments that were reported while we were all in a pandemic is against the LAW! The CARES Act protects consumers from theses unjust reportings.The Coronavirus Aid, Relief, and Economic Security XXXX XXXX XXXX  Act, passed by XXXX and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA XXXX as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections account on my TransUnion credit report that does not belong to me. It seems that this was removed many years ago and is back. The account is labeled " XXXX XXXX '' for {$200.00}. There is any payment history or other information provided for this fake account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of EdXXXX is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also Dept of EdXXXX does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.
Product: Debt collection

I reached out to XXXX XXXX XXXX about this account from XXXX XXXX. XXXX XXXX XXXX doesnt have any signed signature of mines or a signed contract. I have disputed this account with all 3 CRA there was no form of verification with my signature or contract. I asked XXXX XXXX XXXX to provide me with a original signed contract with my signature they have yet to send me anything. I also reached out to XXXX XXXX and they dont have an original signed contract with my signature either. This document that I submitted is all the information XXXX XXXX XXXX sent me nothing with my signed signature or original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization 0 Late Payments XXXX Age of Account XXXX XXXX  XXXX  CLOSED Account Status N/A Credit Utilization 0 Late Payments XXXX XXXX Age of Account XXXX XXXXXXXX XXXXXXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$1700.00} Remaining Balance Last Payment Amount 0 Late Payments XXXX Age of Account DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX {$3000.00} Remaining Balance Last Payment Amount 0 Late Payments XXXX Age of Account XXXX| xxxxxxxxxxxx XXXX CLOSED Account Status {$13.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account UXXXX XXXX XXXX XXXXXXXX CLOSED Account Status {$0.00} Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX CLOSED Account Status {$15.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account 15 usc 1681a 4 fcra section state i have the right privacy 15 usc 1681b section 604a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions which basically is saying that unless you give the company written consent to put this on your report that is the only way that they're allowed to report it to the credit bureau, which I have not given any permission. then it says 15 usc 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 they may only report crimes not debts which the report by more than three years 15 usc 1681 s 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.

15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Product: Checking or savings account

I enrolled in the Citi Priority checking offer on XXXX, 2022 that promised XXXX XXXX XXXX XXXX points if certain activities were performed in the initial 60 day period such as making a deposit, paying 2 bills and making {$750.00} of payments using the assotiated debit card. 

On XX/XX/2022 I called Citi to ask if I had fulfilled all my obligations to receive this benefot and was told yes, and that points would be deposited in my XXXX account shortly. 

On XX/XX/ 2022 I called back to inquire about the points not having been deposited and was told that I also needed to keep a balance for a 60 day period - which was not something I was informed of on XX/XX/XXXX.
Product: Debt collection

I reviewed my credit report and found items that are not mine. There are negative items that are not associated with me, the account as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine and should be removed immediately.
Product: Debt collection

I checked my credit report and found the account as a collection. I have not received any notification about this debt.
Product: Credit card or prepaid card

XXXX XXXX The financed amount was {$9400.00}. 
I should have paid the total due of {$3400.00} by XX/XX/2020. Which I planned to do ... I had planned to pay it off at the 2 year mark. 

I was going to make my XXXX payment due on XX/XX/XXXX and noticed the {$3600.00} finance charge. The finance charge was more than what was due in XXXX. I made multiple phone calls to XXXX on XX/XX/XXXX and XXXX speaking to multiple customer service representatives, supervisors and then managers. I talked to XXXX, XXXX, XXXX, XXXX and finally XXXX XXXX. 

Here is what happened ... .. 
I had an XXXX XXXX 2 years ago and financed the XXXX. I signed up for online statements and proceeded to pay more than the monthly amount required each month fully planning on paying the entire bill at the end of the finance period before finance charges would accrue. I received emails each month and the emails indicated the minimum amount and the total amount still remaining. I looked at the XXXX bill and noticed that the total amount due had doubled. I immediately called trying to figure out what happened. They of course said I passed the two year mark. I said that the emails had not indicated that I was reaching the XXXX year period ( my fault, I should have marked my calendar ) and I thought they would have maybe indicated that payment needed to be made in full to avoid finance charges in the email. I was wasn't even a month late paying the finance charges and they refuse to make any adjustment, I asked if we could negotiate something less than the full amount. I told them that I wanted to pay it off, I was paying more than required and relied on the emails that didn't indicate everything was due. They said they couldn't make any adjustments. I am sick to my stomach over the amount of the finance charges and stunned that we couldn't come to a resolution.
Product: Debt collection

Collection agency making harassing phone calls to my fathers home about debt I owed, I don't live at his house and have not lived there in 12 years. He sent a letter stating this and they are now sending letters in his name saying I owe this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires reporting on my credit, that I did not apply for and without my consent. 
Please delete inquires XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the Experian, XXXX and XXXX Credit Bureaus requesting to conduct an investigation and correct the information being reported. The Experian, XXXX and XXXX credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO EXPERIAN : XXXX. XXXX XXXX XXXX TX XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED IN OPENENING AN ACCOUNT IN MY A FRIVIOULOUS NAME UNDER MY SOCIAL SECURITY NUMBER. I HAVE DISPUTED WITH ALL AND YOU CONTINUE TO COME BACK WITH THE INFORMATION AS VERIFIED ACCURATE WHEN I KNOW IT IS NOT TRUE. I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so.Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Please delete this inaccurate information NOW. 
I asked for proof of the debt you claim I owe, and you sent me a basic print out that came from your computer. What happened to the document with my signature on it? I'M a victim of identity theft? This print out does not prove that I owe the debt listed below. 
Because you did not give me the documents requested, you did not prove I owe this debt. If you cant prove it, you cant report to the bureaus. As a result, you must delete this inaccurate item ASAP. If you continue reporting this item, I will continue to file complaints with the various agencies that regulate your organization such as your bond company and your professional insurance. In addition, I will explore all legal options on this matter. 
Im placing your company on notice. If this item is re-reported to the bureaus within the next 60 days or in the future, I will exercise my rights under the FDCPA and the Fair Credit Reporting ACT.Dont take me for granted.