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

I have filed a dispute regarding the incorrect items on my credit report. 

1. The following late/missed payments are incorrect XXXX  Account Number : **** XXXX 4 missed/late ( XXXX, XXXX ) XXXX 4 missed/late ( XXXX, XXXX ) XXXX 8 missed/late ( XXXX, XXXX ) Please remove them from my credit report. 


15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) CONSUMER REPORT. 
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

This is my MULTIPLE request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$7100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} ; XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX
Product: Debt collection

I have advised this company to stop calling me. 
They call several times throughout the day including after XXXX XXXX 
On XX/XX/18-XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 card or prepaid card

I recently went to try and use the card I had for a long time only to find out they closed my account. My old card was stolen and I reported it in 2022 they sent a card to me XX/XX/2022 but I never received it and they confirmed the card was never activated. I explained I had the card locked the entire time because I never received it. So they closed the account for a card i havent received in over a year and damaged my credit scored by removing the account. Which is beyond unfair. And tell me my only option is to apply for another card
Product: Credit card or prepaid card

I am receiving unwanted ads regarding PNC bank for credit cards. I have attempted to have them stop sending me these offers. They want me to provide to their automatic opt out line, my social security number. Why would anyone put one ; s social security number out there on an automatic line. 
They will not allow any other way to remove myself from these offers. 
I can not believe as the government you are allowing PNC to prevent consumers from being removed from their list using alternative methods besides the automatic. 
Like being able to speak to a live person. While every other institution allows one to actually speak to a live person and they do not ask for our social security number. 
I need my name and address to be removed from their list. 
I need you as our government to get involved. 
Before we have another identification crisis on our hands.
Product: Debt collection

This information was found on my credit report and I was never even notified of it. I want this to be removed it is for {$140.00}
Product: Credit reporting or other personal consumer reports

I have read and acknowledged your statement reflecting my complaint. However, I have points that I want to state : FIRST POINT : According to the FTC under Negative Information it states If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports Anegative information XXXX  about your customers to a nationwide CRA ( for example, XXXX, XXXX, XXXX XXXX ), you must notify your customers that you report such negative information. Examples of negative information include a customer 's delinquencies, late payments, insolvency, or any form of default. FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Give Feedback You must provide the notice either before you furnish the negative information or within 30 days of furnishing it. You may include the notice with a notice of default, a billing statement, or another item sent to the consumer, but you can not send it with a Truth In Lending Act notification. The notices MUST BE clear and conspicuous. SECOND POINT. I dont see what cease and desist has anything to do with my previous complaint. THIRD POINT : I never received a negative notice prior to you reporting late payments! Terms and agreement isnt law. Your terms and agreement states that you MAY NOT MUST report negative information! FOURTH POINT. As per 15usc 1666b section A ( 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. I did not receive billing statements 21 days BEFORE the payment due date and you published these statements 30 days! Even the paperless statements dont show 21 days BEFORE being published online! FIFTH POINT. You have to follow proper steps prior to reporting late payments to the CRAs. You must reverse all late payments due to you not following all procedures according to the FCRA and FTC!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting recent late payments on an old XXXX XXXX XXXX ( acct # XXXX ) that has been closed since 2014. How can this be possible. The account was paid and closed and the date of last activity was in 2014. The other bureaus are reporting the account accurately but Experian is NOT. This error is HIGHLY impacting my credit scores. Correct these errors immediately or delete the account off my credit file!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found an error in XXXX of my accounts ' payment history. The report shows XXXX late payments, even though I actually paid on time. It's crucial that consumer reporting agencies provide accurate information, and this account has never been late. I've attached a copy of my credit report to illustrate the incorrect information, along with the specific dates : XX/XX/year> AND XX/XX/year>. The account number is ( XXXX ) I'm requesting that you update these records to reflect that the payments were made on time. Additionally, I'd like to point out that it's not possible to go from 0 days late to 120 days late without a prior progression. Thank you for addressing this issue promptly.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an incorrect late payment reported by Bank XXXX XXXX on my credit report. The reported late payment for XX/XX/XXXX was inaccurate. After disputing this with Bank XXXX XXXX, they acknowledged the error and, in a letter dated XX/XX/XXXX, confirmed that they have submitted a request to the credit bureaus to remove the late payment history. 

Despite this confirmation, the inaccurate information remains on my credit report. Bank XXXX XXXX stated that it may take up to 60 days for the credit bureaus to update the report, but I am concerned about the continued negative impact on my credit score. I am requesting confirmation that the correction has been made and for the credit bureaus to update my records immediately to reflect the accurate payment history.
Product: Debt collection

I am writing to formally dispute and request the removal of a collection account that has been fraudulently opened in my name. Upon reviewing my credit report, I discovered this account, which I did not authorize or open. 

It appears that I have been a victim of identity theft, as I have no knowledge of the debt associated with this collection account. I have taken immediate steps to protect my identity, including placing a fraud alert on my credit file. 

I kindly request that you conduct a thorough investigation into this matter and remove the fraudulent collection account from my credit report as soon as possible. I am willing to provide any additional documentation or information necessary to support my claim.
Product: Credit reporting

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting failed to pay on a closed account on my Experian. The account has been closed since 2013, and its reported as a negative item now. As if I made a late payment yesterday. It a closed account and closed account should not show open balances. XXXX and XXXX are reporting it properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

I HAVE MAILED IN LETTERS TO EXPERIAN, XXXX AND XXXX ON XX/XX/XXXX ASKING TO REMOVE ALLEGED DEBT REPORTING ON MY CREDIT REPORT. IT HAS BEEN OVER 30 DAYS AND THEY HAVE FAILED TO DO SO WHICH IS A VIOLATION OF MY RIGHTS
Product: Debt collection

This company was reporting twice on my credit report. I disputed the charges because they are invalid and both eere removed. This company changed its name and re reported. Now i cant get a mortgage because of 2 collection medical bills
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 letters were sent to Transunion, XXXX  and XXXX  explaining there is no original contract or original ink signature to validate debt. On XX/XX/2021 I received letter from the three bureau and the debt is still reported on each one without the original instrument of indebtedness with original ink being provided.
Product: Money transfer, virtual currency, or money service

This is a report on behalf of XXXX XXXX XXXX, XXXX On XX/XX/2021 someone got access to our newly opened business checking account # Ending XXXX which was open less than 10 days prior to this incident and transferred {$19.00} out of it to a party listed as ''XXXX '' We did not initiate this transaction nor has anyone been given the authorization to make this transfer.XXXX XXXXXXXX XXXX XXXX or its managers, members, or employees never had any transaction done with this person. Bank Of America does not seem to have any urgency to investigate and return the stolen money, this transaction was reported at the exact minute that it was happening and Bank Of America did not stop the transfer alleging that it could not stop a money transfer in progress. I filled the report with the bank promptly on the XXXX of XXXX report # XXXX and on XXXX the XXXX as well report # XXXX. XXXX XXXX XXXX, XXXX did not initiate this transfer it is a fraud as previously reported to our local Police Report XXXX. Please take action, Thank you XXXX XXXX
Product: Checking or savings account

I am a banking customer with US Bank Minnesota, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX. 

My account has been open a year and I have a complaint regarding an employee : XXXX XXXX XXXX XXXX he is associated with a previous acquaintance of mine ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) and is sharing my bank information with him and law enforcement. I did authorize a release of information. 

I have over {$50000.00} invested with US Bank and I believe the bank and it employees are involved in dishonest business practices. 

Routing : XXXX Checking Account : XXXX XXXX Account : XXXX I believe they will transfer assets out of my accounts and close accounts. 

The resolution I seek is for the bank XXXX, its employees and the bank executives to issue a statement to XXXX XXXX XXXX if they are collaboration with third-party law enforcement, legal and public and private intervention services on behalf of XXXX XXXX XXXX and XXXX legal partners. 

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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance {$700.00} charged off. A charge off is considered income according to the IRS. XXXX is forbidden to be on a consumer credit report according to XXXX 15. US code 1681 XXXX no transactions or experiences are allowed to be on a credit consumer report. I have never received a XXXX form from the creditor. Also a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that is in violation 15 U.S code 1692c that appears related to the aforementioned personal credit card account opened at XXXX XXXX Bank. These accounts have resulted in fraudulent hard inquiries, fraudulent derogatory marks, and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs, derogatory marks, or hard inquiries as reported. The aforementioned accounts, collections, chargers, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Watch the account number that lvnv funding tries to say they're verifying. They're verifying the wrong account number that does not exist. Carefully view the account number they're verifying. They are also reaging the account which is illegal, XXXX. They are trying to report the account as in collections as a new account which is fraud.
Product: Credit card or prepaid card

I was planning to apply for a Discover card. So I went to the website, completed the application but never submitted. Like I said I never submitted the application and I closed the browser.     A day later, someone called me and asked me about the application. I told her I was going to apply but I changed my mind. She was asking me if I want to apply, I declined to continue, now my credit report is reporting a hard inquiry with  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still showing incorrect information on both of my XXXX student loans. Both of these accounts were paid in full a long time ago. All of the other credit bureaus are reporting a XXXX  balance paid in full except for Equifax. I do not owe a balance to XXXX and I was never late with XXXX. No matter how many times I Dispute it they still refuse to correct my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX To : TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department , I am writing to formally request the removal of an account from my credit report as reported by TransUnion. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$10000.00} from XXXX XXXX  , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align your records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX