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

FCRA violations : accounts not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$17000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Account charged off FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX FCRA violations : not my names XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX
Product: Debt collection

Regarding the disputed hospital bill with Claim Number XXXX, it has been identified that the service was submitted for payment after the claim filing time limit. When I was admitted to the hospital, I provided all of my insurance information, which was made available to all parties involved in my treatment during my stay, including XXXX XXXXXXXX XXXX XXXX It is evident that XXXX XXXX failed to file a claim in accordance with their contractual agreement with XXXX XXXX XXXX, with whom I held XXXX policies at that time. Had they submitted the claim as required, they would have been reimbursed in full. As per the detailed message, I, XXXX XXXX, am not responsible for the amount of {$2900.00}. I have taken the necessary steps to dispute this billing discrepancy with XXXX XXXXXXXX XXXX XXXX XXXXXXXX National Recovery Agency. XXXX XXXX of XXXX has acknowledged the error and confirmed that the billed amount is not my, XXXX XXXX 's, responsibility. They have issued a corrected statement indicating a {$0.00} balance. Despite submitting the required documentation to the National Recovery Agency, they have disregarded my dispute and sent back an itemized bill. It is evident from the provided information that the l am not liable for the claimed amount. In light of the detailed message and the actions taken to rectify this billing error, I request that the erroneous debt of {$2900.00} be removed from my, XXXX XXXX 's, records promptly. I appreciate your attention to this matter and look forward to a swift resolution. Should you require further information or documentation, please do not hesitate to contact me at XXXX or ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent dispute letters to XXXX and Experian about a bankruptcy listed on my personal credit report with several errors. They both came back as verified and accurate so I sent the information to the Bankruptcy court to get the issues fixed. However I was given a letter directly from the court staying they do not give any information for credit agencies good or bad. They do not report to any Credit agencies. So this means this information wasn't verified like they said it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$380000.00}, XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX - XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$4200.00}, XXXX XXXX XXXX XXXX XXXX : {$860.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$860.00}
Product: Credit card

The reason for the complaint is to try and cle The reason for the complaint is to try and gain clarity as to why Chase credit card services has continuous denied my request for a credit increase and interest rate reduction even though my credit score is currently above the XXXX 's. I have contacted Chase card services on more than one occasion and all I am told is due to my credit report however there is nothing negative on my credit report and I have recently purchased a home and have had my auto financed over five years and never a single late payment. I was informed by the representative that my request was being declined due to 17 late payments ; a shocker to me because I have chase setup on autopay for the due date and If they are having a difficult time with my payments why has no one ever contacted me. I asked a representative why has no one ever contacted me regarding the matter. The representative had no answer for that. I proceeded to tell the representative that I had paid Chase credit card services late on two occasions that I can recall and after that I enrolled in auto pay. so I am very confused where 17 times is comming from. My greatest desire would be to cancel the credit card without any damage occurring to my credit report. But I know that 's close to impossible and that is the only reason why I keep it. I feel obligated and frustrated with Chase credit card services and would not recommend them to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA XXXX XXXX. Please delete these items as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally dispute the reporting of a charge-off account by XXXX XXXX XXXX Account Number : XXXX XXXX, Amount Due : {$2500.00}, total {$13000.00} on my credit report. This reporting is in violation of federal laws, and I am requesting the immediate removal of this account from my credit file for the following reasons : 1. Failure to Issue a 1099-C Form Under IRS regulations , when a debt is charged off and considered " canceled '' or " forgiven, '' the creditor is required to issue a 1099-C form to the debtor, as this cancellation may be treated as taxable income. In this case, XXXX XXXX has reported the debt as charged off on my credit report but has failed to issue the required 1099-C form to me.

The absence of this form raises questions about the legitimacy of the charge-off reporting and whether the account has been properly processed in accordance with federal tax and credit reporting regulations. Without the 1099-C form, the debt has not been properly " canceled '' and, therefore, should not be reported as a charge-off.

2. Violation of 15 U.S.C. 1681-2A ( i ) : Reporting Income on a Credit Report The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681-2A ( i ) explicitly limits the types of information that can be reported on a credit report. Income or transactions that reflect income, such as a charge-off that may be deemed canceled debt, should not be reported as part of a consumer 's credit file.

A charge-off that is reported without proper documentation, such as a 1099-C, creates an inaccurate and misleading depiction of my financial history. Reporting such income-like entries on my credit report is not only misleading but also appears to contravene the intent of Congress as outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX I wrote a letter in regards to my XXXX  and at the federal level having a XXXX XXXX  therefore legally you can not hold my inquiries against it is out of my control. Have since been my medication and is under control I wrote all three major credit reporting companies. In regards to this and still they have not attempted to remove any of them. This is starting to aggravate my severe XXXX. Which that to I am legally diagnosed with as well and can provide verification. I only asked that they would work with me. Ive already feel terribly XXXX. And Im stuck on trying to resolve this Again can not help it sometimes
Product: Credit card

In XXXXXXXX XXXX  my dog became ill and I phoned my regular XXXX but could not be seen and they referred me to another XXXX XXXX XXXX, XXXX XXXX. I took my pet to that XXXX  and was told they needed to keep her a few hours to assess the problem. A few hours later they called and said my dog needed some antibiotic. Several hours later I called to see when she could be picked up and we picked her up along with a bill of over {$2100.00}, and those charges were not authorized. I called my regular XXXX  the next day because my pet was not any better. I took her over to my XXXX XXXX XXXX XXXX and discussed the other XXXX  's bill. After my pet remained for the day at my XXXX and picked her up along with a bill for around {$620.00} for services rendered which were almost identical from XXXXXXXX XXXX 

On the XXXX day my pet was worst and took her back to XXXX XXXX XXXX and about XXXX XXXX  my XXXX and I discussed the best avenue was to let her go which we did. 

After receiving final billings from XXXX XXXX XXXX and called them and asked about the overcharges from XXXXXXXX XXXX They said they were notorious for overcharging their clients and I should contact my credit card company, CARE and dispute the charges from XXXX XXXX and CARE gave me a credit of {$750.00}. About 5 months later that credit was reversed and charged back to my account. 

I spoke with XXXX XXXX and said I refused the overcharges of approximately {$1400.00} of a {$2100.00}. bill. 

I have been paying my bill each and every month and the current balance is {$1100.00}. As far as I am concerned CARE should refund this balance and chargeback XXXXXXXX XXXX 

Summary : I did not authorize the {$2100.00} charges. They are not an emergency clinic-nothing on their website to say they are. 

As my previous dispute with Citi Bank filed with XXXX, my credit balance CARE was reduced.reduced.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should eliminate any incorrect accounts from my credit report. Could you please review the documents? Some accounts are inaccurately listed with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

The following credit card accounts currently listed on my Experian and XXXX credit report was opened by the following banks without my consent or authorization : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all that whole thing is a joke that paperwork makes no sense nothing adds up scam written all over it the next payment date is XXXX I wasnt even born yet and the date that the account was opened it has 2 different dates one XX/XX/XXXX  and the other is XX/XX/XXXX  and the amount is XXXX or XXXX or is it I cant keep up. Also this store I tried to locate doesnt exist. Its am on line store even my signature was an electronic signature for all those tools I purchased! Ive never purchased tools let alone lease them. I have attached the documents that show that Ive tried to dispute them this. I did it through kredit karma and maybe thats wrong but I did try
Product: Credit reporting or other personal consumer reports

This grumbling to FAIR COLLECTIONS & OUT was the after effect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, balance on closed accounts, address and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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 : also states a consumer reporting agency can not furnish an account without my written instructions. 

Accounts on my report show as written off or sold to another lender. Therefore I would like the original signed contracts between me and and original debtors from the lenders who purchased said debts. if not possible within 30 days I would like these accounts deleted from my credit report
Product: Credit reporting or other personal consumer reports

I would like the XXXXXXXX XXXX  account removed off all three credit reports. The reason is because I do not owe this mortgage company any money. I sold my home in XXXX The second reason is because this account has been on my credit reports for XXXX years and XXXX months. This account has ran its course and should be removed.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX & TransUnion have an incorrect address list for and its XXXX XXXX XXXX, Apt XXXX, XXXX GA XXXX. This address is not associated with me more has it ever been, Ive never used or listed this to be my address and my address is XXXX Colorado XXXX XXXX XXXX GA XXXX.
Product: Debt collection

afni, inc. sent a letter stating I owe money to XXXX XXXX and to pay to their company ( afni ). I contacted XXXX XXXX and my account has been closed for 2 years with no outstanding balance.
Product: Credit reporting or other personal consumer reports

EXPERIAN CREDIT BUREAU IS REPORTING UNAUTHORIZE INQUIRIES ON MY CREDIT REPORT XXXX ) XXXX XXXX DATE XX/XX/year> AND XX/XX/year> XXXX ) XXXX XXXXXXXX : DATE : XX/XX/year>XXXX XXXX
Product: Checking or savings account

My dispute with Peoples United Bank : In XX/XX/XXXX I noticed a XXXX transaction hitting my checking account for {$69.00}. As I didnt make any recent purchase via XXXX and there was no merchant associated with the charge I started to investigate. I traced the charge of {$69.00} monthly on the XXXX  to XXXX then from XX/XX/XXXX to XX/XX/XXXX on the XXXX of the month the charge was {$64.00}. I also noticed on XX/XX/XXXX there was a charge of {$1.00} with XXXX noted too. THERE was no charge on my XXXX account to reflect the transaction to identify the merchant associated with the charge. Ive provided my XXXX monthly account showing no transaction for those charges along with my monthly checking account to show the transaction. 

I contacted Peoples United to dispute the charges for I didnt authorize these transactions. I was give provisional credit for the items in question while Peoples investigated. 

I received 3 letters from Peoples dated XX/XX/XXXX ( I have attached those 3 letters ) stating the merchant supplied authorization for the transactions and my provisional credit was being reversed. I called the bank on XX/XX/XXXX @ XXXX that lasted 21 minutes asking for the proof that was supplied for the transactions. After bouncing around from person to person I told me that they were from XXXX XXXX. I was told by Peoples they would send me the proof the merchant supplied. I do have investment portfolios with XXXX XXXX so I called my portfolio manager and during my discussion with him he informed me XXXX XXXX does not have my personal checking information nor would they be debiting my account monthly. I also went in to the branch hoping they could help me and the branch called me and told me that I would have to reach out to the call center for there was nothing they could do. 
When I still hadnt received the proof from the merchant that I requested on XX/XX/XXXX I called back Peoples on XX/XX/XXXX @ XXXX and that call lasted 3 minutes before the call staff hung up on me. I called back @ XXXX and talked or 16 minutes looking for the documentation that supported the charges and was told the request was made to send that to me. 

Again I didnt receive the what proof was supplied from the merchant so on XX/XX/XXXX @ XXXX XXXX for 7 minutes call with Peoples Call Center , the operator informed me that I would have to open up an investigation at a charge of {$25.00} and hour for them to provide me with the proof the merchant supplied to support the charge. Needless to say I was dumbfounded and frustrated to say the least for the other people I talked to were able to request the information I needed. The first initial charge of {$1.00} on XX/XX/XXXX fits the scenario of a fishing scheme to see if it would go unnoticed and now Peoples is dismissing my request to provide me with proof of a charge I never authorized. 

I have attached my Peoples checking account from XX/XX/XXXX thru Current. 

I have attached my XXXX account from XX/XX/XXXX too current. 

I have attached my XXXX phone bill noting the times that I reached out to Peoples to provide the proof that was supplied.
Product: Credit reporting or other personal consumer reports

Date of Alleged Late Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX I previously disputed this inaccurate information on XX/XX/XXXX for the third time and provided supporting documentation proving that the late payment being reported was incorrect. Specifically, I included payment ledger showing the account was current in XX/XX/XXXX I also spoke to a representative from Experian during a phone conversation on XX/XX/XXXX where the representative confirmed that the necessary documentation was uploaded to address this issue but stated they dont update the credit reports at all. I recorded this conversation and can provide evidence of the representative 's statements if necessary. However, despite this confirmation and my previous efforts, the late payment entry remains on my credit report. 

This issue has been ongoing for over XXXX years, and I demand immediate verification of this information. Under Section 609, I am requesting the following : Immediate removal of the inaccurate late payment entry if you can not provide verifiable proof of its accuracy.
Product: Debt collection

Couple years ago i paid off all of my credit cards / loans off i want them off my credit reports all 3 companies
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the inaccurate, misleading, and unverifiable information reported on my credit file by the credit bureaus, creditors, and collection agencies. Despite multiple attempts to dispute these inaccuracies, my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) have been consistently violated. The information being reported is both inaccurate and a violation of my consumer rights, as outlined below. I have made several attempts to address the inaccuracies on my credit report through disputes with the credit bureaus, creditors, and collection agencies. Despite these efforts, they have failed to comply with their legal obligations under the FCRA, 15 U.S.C. 1681s-2, which requires that all information furnished must be accurate and verifiable. Additionally, they have failed to provide sufficient evidence to validate the debts or correct the discrepancies. 
XXXX  XXXX : Discrepancies in credit limits between bureaus. 

Failure to properly update status post-dispute. 

XXXX XXXX XXXX Marked as Paid Derogatory and Collection/Chargeoff. Inconsistent reporting across bureaus. 

Settled accounts inaccurately labeled as active debts. 

XXXX XXXX  : False reporting of past-due balances. 

Charged Off status inaccurately listed without validation. 

XXXX XXXX Card : Inconsistent Last Activity dates between XXXX and XXXX. 

Chargeoff listed with no supporting evidence of verification. 

Name Discrepancy : Reporting XXXX XXXX and XXXX XXXX. This is incorrect and misleading.
Product: Debt collection

My credit report shows a negative report from an RSI Enterprises and I have no idea what this is or for. I was never given the opportunity to validate or dispute this debt prior to them reporting it.
Product: Checking or savings account

Canceled service on the XXXX. Conformation email was sent to me on the XXXX of XXXX. Was told XXXX business days for my refund. Time came and passed. Called and was told to give ot another XXXX hours. Time came and passed. Called and requested a supervisor and was told I would get a call. 3 days later I call again. Was told XXXX hours. Again time came and went. Called again was told a supervisor would call me in an hour. I called back XXXX hours later and was told to look for the refund to be in my account by this Friday. I am not confident this will occur.