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

ON XXXX, I disputed the inaccurate information on my credit reports from XXXX, XXXX, and experian. 

I request that you DELETE the above-listed information and mail me an updated copy of my file. Inform anyone that you reported the deleted information to that it has since been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification within 15 days. 

You are in violation of 15 USC 1681e ( b ), because it states that it has to be 100 % accurate and correct before information is reported on a consumer report. Furthermore, the information is reporting inaccurately and incorrectly and request that the tradelines be deleted from my consumer file. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, you are also required to do a re-investigation, per 15 USC 1681i5.

Were requesting a thorough reinvestigation of the accounts. Please make sure that all aspects of the accounts are reporting 100 % accurately and correctly or DELETE IT.
Product: Credit card

I have a credit care with Care Credit - I used for dental work XXXX 2015. It was 1 year deferred interest. I made my payment each month - then in XXXX - I hit a bump and did not make a payment - then got back on track. Well, that bump - made them charge me over {$900.00} interest. Now I owe more than I charged. Is that right?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

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 card or prepaid card

I have been asking for help in getting clarification of standard balance vs promotional balance to determine the amount of payment necessary. 
Agents have consistently been rude and difficult. 
Further, I was unable to login to my account online from XX/XX/XXXX to XX/XX/XXXX. 
I called customer service and emailed known contacts inside the company, but was refused help. 
When I was finally able to login, I see they have charged me a late fee, and I still don't know the standard vs promotional balance. 
I used the chat function to ask for help, and the agent refused to assist me. 

I am submitting this complaint in the hopes of receiving the help I need.
Product: Debt collection

I have been actively monitoring my credit for several years, because I am a victim of identity theft. I got notification that a collection account was added, and when I pulled it up, I knew it was not my account. It is for a facility Ive never even been to and is something like XXXX XXXX XXXX from where I live. 
I contacted the company, submitted to them my ID theft report and police report, and they still refused to remove it. 
I then contacted the credit bureaus and submitted the same information to them. My disputes have all been closed, and it just says that the creditor has certified the debt. 
It really makes no sense. Even if I do have to go to a medical facility, I have Medicare and Medicaid. I certainly wouldnt owe almost {$1500.00}.
Product: Debt collection

DRS showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe on act # XXXX with XXXX. I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.
Product: Credit card

I called several times on Wednesday XX/XX/2023 to get a credit card decision on a credit card that I applied for online and over and over again I was told I would have to go into a branch in order for it to be processed this is totally unheard of when you apply for this product online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX  ) # XXXX, ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ) # XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX ) # XXXXXXXX, ( 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
Product: Debt collection

Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The above sent me a collection notice XX/XX/XXXX XXXX XXXX XXXX XXXX says I owe them XXXX for items I ordered in XXXX, XXXX. The bill is addressed to : XXXX XXXX ... t XXXX XXXX XXXX XXXX XXXX, CA XXXX I never have lived in California! I had an account with XXXX several years ago, but I closed it and destroyed the card. Someone has my info and has used it to incur this debt. My home has been in Arizona since XXXX. I am reporting this to you because the collection agents said to report this to you.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 of the FCRA ( 1681i ). 
On XX/XX/XXXX, I reviewed my credit report and noted the following unresolved issue related to an account from XXXX XXXX Bank : Comments in the Report : " Account Previously in Dispute Now Resolved by Data Furnisher '' " Account Closed by Credit Grantor '' Credit Card These comments fail to address the inaccuracies I previously disputed. Equifaxs reliance on the data furnishers response, without providing supporting documentation or conducting a thorough reinvestigation, is unacceptable. 
The following discrepancies remain unresolved in the account : Date Opened : Inconsistent dates. XXXX reports XX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXX. 
High Credit Amount : Discrepancies in the high credit amount. XXXX and XXXX report {$2600.00}, while Equifax reports {$2500.00}. 
Credit Limit : Inaccurate credit limit. XXXX and XXXX report {$2500.00}, while Equifax reports {$0.00}. 
Payment Status : Differences in the " XXXX  days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. XXXX reports XX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXX. 
Date of Last Payment : Variation in reported dates. XXXX and XXXX report XX/XX/XXXX, while Equifax shows XX/XX/XXXX. 
Equifax directed me to contact XXXX XXXX Bank at : XXXX XXXX XXXX, XXXX XXXX, NV XXXX, ( XXXX ) XXXX. 
This is an evasion of Equifaxs responsibility under the FCRA, as the burden of proof lies with the credit reporting agency and the data furnisher, not the consumer. 
To further document this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under FTC Report Number XXXX. 
Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and creating undue stress. Equifaxs failure to comply with its obligations under the FCRA undermines my ability to access financial products and manage my finances effectively.
Product: Vehicle loan or lease

ON MY XXXX CREDIT REPORT I AM MISSING MY LAST TWO CAR PAYMENTS ONE FOR XX/XX/XXXXAND ONE FOR XX/XX/XXXX WITH THE CREDIT BUREAU THEY ARE USUALLY A MONTH BEHINH WHEN THEY UPDATE TO THE CREDIT BUREAU. WHAT I DONT UNDERSTAND IS XX/XX/XXXX SHOWS A BALANCE AS {$20000.00} AND THE MONTH OF XXXX SHOWS THE SAME AS {$20000.00} BUT ON THE PRINT OUT OF MY ACCOUNT SHOWS A DIFFERENT FIQURE FOR THAT MONTH. SECOND ON THE RATING PART OF MY ACCOUNT IT SHOWS FOR XXXX DOES NOT SHOW A BALANCE THERE SHOULD OF BEEN A BALANCE SHOWING FOR THE AMOUNT WAS PAID WAS {$20000.00} WHICH SHOULD OF REFLEX ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX I HAVE SUMMIT MY CREDIT REPORT AND BOTH MONTH UNDER MY RATING NEEDS TO BE UPDATED TO SHOW PAYMENT FOR THE MONTH OF XXXX AND XX/XX/XXXX ON XXXX XXXX THAT IS THE ONLY REPORT WHICH IS NOT ACCURATE. ON MY XXXX  CREDIT REPORT IT SHOWS PAYMENT STATUS AS PAID SATISFACTORILY I MADE ALL OF MY PAYMENT ON TIME WHY DOES IT SAY THAT ON MY XXXX  REPORT ALSO CAN THEY UPDATE MY CURRENT ADDRESS WITH XXXX  ON MY CREDIT FILE. THE ADDRESS THAT IS LISTED BEFORE I DONT USE MY CURRENT ADRESS IS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX CAN THEY SENT THAT TO UPDATE MY CURRENT ADRESS WITH ALL OF THE CREDIT BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have violated my rights of privacy. I did not give written consent to these companies... 
XXXX XXXX XXXX XXXX campers XXXX XXXX XXXX acceptance XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX & XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

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

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

XXXX XXXX XXXX co account number XXXX I dispute the validity of all claims in this complaint that the company didnt follow. 
account under account numbers are disputed. 
The vehicle in question Under the laws of Florida and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to.

I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The company are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I demand the company to delete this account from my credit report immediately.

In addition, if the company singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

Furthermore, the company is hereby notified that at no point in time and under no circumstances are the company ; an employee of the company ; a representative for the c
ompany or affiliates are to contact me or any family members by any means other than the US mail system.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have right to my 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 State : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then convictions of crimes which antedates the report by more then several years.

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

I have changed my legal name, was trying to change it on Discover Credit Card. Customer Service person provided fax number to fax and mentioned it will take 5 -7 business days. I have faxed and did n't get the card after 2 weeks, so called customer service they mentioned no fax received and asked to send fax again. I again faxed and called customer service and they mentioned they are in no way confirm if they received the fax. asked for supervisor and supervisor called my after 24 hours and mentioned the same they ca n't confirm if they received the fax. So wondering if information provided over fax are secure and if my information is mishandled. its been 4 weeks so far no response.
Product: Mortgage

I was just informed on reading my statements, Since the XXXXXXXX XXXX XXXX XXXX Lakeview Loan Servicing , LLC has purchased my loan and acquiring money on my behalf in false pre tense taking possession of my mortgage even though it has never went into default judgement. Lakeview Loan Servicing , LLC purchased my mortgage in good standing which is XXXX- ( 15 U.S.C . 1692 ). 

Also personal data of my things has been leaked and no word back or update on how to repay me or correct that.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXX {$2.00}, XXXX XXXX : # XXXX {$140.00}, DEPT OF ED XXXX : # XXXX $ XXXX, DEPT OF ED XXXX : # XXXX {$4000.00}, DEPT OF ED XXXX : # XXXX {$2500.00}, DEPT OF ED XXXX : # XXXX {$990.00}, XXXX XXXX XXXX # XXXX {$220.00}, XXXX XXXX XXXX # XXXX, US Bankruptcy Court- 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.
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX account # XXXX date opened XX/XX/XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

Transunion would not remove the TAX Lien I requested them to remove off of my credit report. They say I did n't furnish a police report. So now I have furnished the police report lets see what excuse they come up with now.
Product: Bank account or service

I am a victim of identity theft. My personal information was stolen and used to open a credit account with Bank of America. I never received any billing statements or was aware of this accounts existence until I checked my credit report. I immediately notified Bank of America the account was not mine and I am a victim of identity theft. I also notified the police and filed an identity theft report and reported the theft. I filed with the Federal Trade Commission my ID Theft and when Bank of America sent my documents, the billing address did n't even match mine nor the name of the account. Bank of America continuously calls and tries to collect on this credit account that is n't mine and is a result of ID theft. They also are reporting this fraudulent account that they are aware of that is fraudulent to the credit bureaus and has verified it when I disputed it.
Product: Credit reporting or other personal consumer reports

I Received a XXXX XXXX XXXX Line of Credit for {$3000.00} ( XXXX, XXXX  ) in good faith of expanding my small business and ended with damage to my reputation. In XXXX of XXXX XXXX XXXX Made numerous collection attempts and had communication with me through Fraud Mail, Mobile App, My Consumer Report ext. As well as using fees to say I owe alleged debt of ( {$3700.00} ). XX/XX/XXXX I notified them of there false representation and Defamation of my character and didn't receive correspondence until XX/XX/XXXX resulting in the account being Closed/Charge off. XX/XX/XXXX I continued disputing validity of the report showing there clear violations of ( FCRA & FDCPA ) and that they were to cease and desist also requesting 1099c and received no correspondence. It is XX/XX/XXXX and XXXX still is furnishing inaccurate information.
Product: Credit reporting or other personal consumer reports

I have requested Experian to provide me the name of the vendor/company it contacted to verify an inaccurate bankruptcy record on my credit file. Experian has refused this request which prevents me from being able to dispute the inaccurate information. Experian has caused hardship in my life as I am unable to obtain credit as result of this inaccurate record.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have been added to my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report, as they were opened or made without my consent : Accounts to be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be blocked : XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX