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

Fair Credit Reporting Act 15 U.S.C 1681 Section 616 ( A ) ( 1 ) ( A ) Civil Liability for willful noncompliance {$1000.00} per violation Section 623 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors Section 623 ( B ) ( 1 ) Reporting information after notice and confirmation of errors Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate or unverifiable information I sent in a dispute to Equifax for XXXX XXXX child support account # XXXX because after pulling my credit report I instantly recognized incorrect information. Equifax stated they verified the Information belongs to me and if I have additional questions about this item to contact XXXX XXXX '' ( XXXX ) XXXX. FIRST Violation. the number they're reporting is incorrect no answer the phone number has been disconnected. SECOND VIOLATION. I drove to the address that's being reported on my credit file XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX CLOSED moved to another location. THIRD VIOLATION. Date opened is incorrect XX/XX/2015 is not the correct date. FOURTH VIOLATION. Balance owed is not XXXX XXXXFIFTH VIOLATION Date of last activity is also incorrect XXXX..SIXTH VIOLATION.. Last payment is also incorrect you're reporting a payment date of XXXX After doing my own investigations I have enclosed supporting documents of verifiable correct information.. side by side views of 3-Bureau credit reports. correct address and phone number as well as correct balances and last payment... please pay {$1000.00} per violations due to your inaccurate reporting I have higher insurance premiums, unsuccessful job applications, security deposits for utilities.. please pay and delete. 





Equifax has violated multiple laws when it comes to an account on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Update of Personal Information Dear Sir/Madam, I am writing to request an update to my personal information on my credit report. There is a bunch of information that isnt mine reporting on my credit. Please find below my updated details : - - - **FRAUDULENT Information : ** ( BELOW IS ALL THE INFORMATION THAT IS FRAUDULENT AND HAS NO RELATION TO ME AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY ) - Addresses : 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  - - - **REAL/NEW Information : ** ( BELOW IS ALL THE NEW/REAL INFORMATION I NEED MY CREDIT REPORT UPDATED TO ; ANY INFORMATION THAT DOES NOT MATCH NEEDS TO BE REMOVED ) - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - Phone Number : ( XXXX ) XXXX - Email Address : XXXX - - - Attached are copies of documents to verify my identity and the changes requested : 1. Government-issued ID ( drivers license ) 2. Proof of address ( e.g., utility bill, lease agreement ) Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX XXXX -- -
Product: Debt collection

The collection agency namely I.Q Data International is  attempting to collect an alleged debt that I do not owe to them. They have also reported it to all 3 credit bureaus. I have never received a notice of my right to dispute. I have never signed a written contract or verbally agree to pay any debt to I. Q Data International. They also have not provided any information showing where I have agreed to pay them for the alleged debt. furthermore, they are illegally attempting to collect a debt from a resident of the state of Texas where it is illegal to do so if you have not obtained a surety bond and filed it with the secretary of State according to section 392.101of the Texas Finance Code.
Product: Credit card or prepaid card

I had a chase sapphire credit card til 2020 with XXXX credit available. I had to dispute charges thst I did not make chase got mad tried to say I feauded the that I frauded them etc I had a roommate whom later got put in prison and had access to my cards while also having various police reports made of breaking I tried ti apply last week for a chase visa card the lady could not tell me why I was denied I suggested discrimination since I am a single XXXX mom she Saud maybe I'll have to see, she heard me saying I was going to record the call she told me to stop so I did after she told me I was turned down for two years or newer credit cards abd also too many inquiries which I knew was a lie since I have credit karma, so after when I said its not true thst my credit report is good etc she got very nasty towards me and tried to deny ever saying and agreeing it could be XXXX thus is sickening and offensive XXXX XXXX XXXX who is not XXXX I married a XXXX man from my last marriage
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>, Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Debt collection

Experian credit bureau is maintaining 2 negative accounts that I have disputed does not belong to me they refuse to delete these 2 negative/derogatory accounts and when attempting to dispute again currently they it blocked these accounts need to be removed immediately 1. Is {$5900.00} 2. {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX SELF-REPORTED XXXX WFDS XXXX XXXX  SELF-REPORTED XXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XXXX
Product: Checking or savings account

II have XXXX different account with Marcus XXXX saving and XXXX CDs. 
I have been trying to get my accounts closed and my transferred back to me since XXXX XXXX XXXX XXXX I was told, the account is closed but the closing process will take about 5 to 7 days and I should have my money back by XX/XX/XXXX XXXX 
I called back in XXXX, I was told, the account actually did not close in XXXX, it was closed XXXX XXXX and it will take 30 days for the process and for me to get my money back. 
I called back Monday XX/XX/XXXX, I was told account was still not closed. I once again initiated the close request wend through the verification process etc. I was told, I will have my Money by next day, since we completed the process prior to XXXX XXXX 
I called back on Tuesday XXXX XXXX  : I was told account is still not closed as they needed some verification from my other bank ( i stayed on a XXXX way call with Marcus and my bank till all information was verified ). Then Marcus said, they had everything now and I should have my money in XXXX to XXXX business days. Friday XX/XX/ : still no money : I called back and now I am being told that they dont have any timeline for the closeout process and once they have completed their process I will get my money. They can not say how long it will take.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$230.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified. this account is reporting twice on my credit report also
Product: Debt collection

AS OF XX/XX/XXXX OF NOTICED FRUADULENT ACCOUNTS AND INQUIRIES ACCT NAME : NCB MANAGEMENT SERVICE Balance {$13000.00} Balance updated XXXX XXXX, XXXX Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. 
Status updated XX/XX/XXXX Contact info Name NCB MANAGEMENT SERVICE Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EXPERIAN credit report recently and found some inaccurate reporting on my credit report. I wrote EXPERIAN a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. EXPERIAN is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EXPERIAN in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Debt collection

this was a fraud account opened back 2014 by XXXX fraud balance {$570.00} acct number XXXX this debt was disputed numerous times with creditor and need to be deleted from all credit reports it does not belong to me since i never received any credit cards from this creditor or applied for any credit.
Product: Debt collection

Re : Dispute of Reinserted Account Request for Immediate Removal Dear Equifax I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX XXXX The account was removed from my credit report confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. prior credit report showing the account was not listed. 
Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ).

Given these circumstances, I request the immediate removal of this account from my credit report.

Please confirm in writing once this account has been removed from my credit report.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I WAS CHARGES FOR SOMETHING I DID NOT AUTHORIZE. ON XX/XX/17 XXXX XXXX XXXX CHARGED MY ACCOUNT {$6700.00} ON MASTER CARD BARCLAY # XXXX I CALLED IN AND REPORTED FRAUD REP FILED FRAUD COMPLAINT I DID RECIEVE THE CREDIT ON MY NEW CARD THEY SENT ME BUT THEN A FEW MONTHS LATER THE CREDIT CARD SENT ME A LETTER STATING THEY WERE TAKING THE CREDIT BACK .... I NEVER DID BUSINESS WITH THIS SAID COMPANY AND I HAVE NO IDEA WHO THEY ARE. PLEASE HELP ME GET MY MONEY BACK ... WHY WOULD THEY CREDIT MY ACCOUNT AND THEN TAKE IT BACK. THIS IS NOT RIGHT THAT MASTER CARD BARCLAY ARE NOT BACKING THERE CLIENTS. THIS IS SENIOR CITIZEN ABUSE.. I NEED MY MONEY BACK. THIS IS ALOT OF MONEY ... I LIVE ON A FIXED INCOME AND THIS COMPANY STOLE FROM MY ACCOUNT. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX To Whom It May Concern, My bank has informed me that there is negative information reported by XXXX XXXX XXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing OVERDRAFTS and a CHARGE OFF amount of {$960.00} on XX/XX/XXXX. My bank has informed me that there is negative information reported by XXXX XXXX XXXXXXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing SUSPECTED FRAUD ACTIVITY and a CHARGE OFF amount of {$17.00} on XX/XX/XXXX. 
I have sent out several letters which two of them were Certified and did get a response that those negative items belong to me also know as VERIFIED. Which is not true. I have been a victim of an identity theft and did file a police report with XXXX XXXX, IL police department as soon as I found out about it. Report number will be attached with the rest of the documents. I am respectfully asking banks mentioned above to immediately remove that negative information from my ChexSystems report and clear up this matter. As they have now violated federal law, by not properly investigating within the required time frame, and I have evidence of such.
Product: Debt collection

I made the full amount of XXXX dollars to XXXX XXXX XXXX on XX/XX/2019 and I called them to remove that from report, they never did. I what to know what I'm supposed to do next and what actions?
Product: Checking or savings account

I believe that Wells Fargo charged me for erroneous fees to my checking account from XXXX.
Product: Credit reporting

Letter from XXXX in response to identity theft : XXXX XXXX XXXX XXXX XXXX, IN XXXX Number : XXXX XXXX XXXX, Thank you for contacting XXXX XXXX. It was my pleasure to have assisted you in completing your case. 

An Extended 7 Year Fraud Victim Statement has been added to your credit report as of XXXX/XXXX/2015. This alert will encourage creditors to contact you before approving new applications. 

It is also suggested you report your identity theft case to the Federal Trade Commission. You may contact the Federal Trade Commission by calling XXXX or obtain more information on their website at http XXXX 

I have also attached fraud dispute letters for you to submit to Equifax and XXXX. Please review, sign, and include your full Social Security Number and Date of Birth at the bottom of each letter, along with a copy of a Police Report. Including a copy of the Police Report with the dispute letters is highly encouraged and suggested. You may also include an Email Address so that the credit bureaus can send the results of your investigations directly by email. 

We recommend sending your correspondence certified, return receipt, but you may also send it by regular U.S. Postal Mail to : EQUIFAXXXXX Information ServicesXXXX XXXX XXXX, GA XXXX Victim AssistanceXXXX XXXX, PA XXXX followed this advice and sent the following letter to Equifax along with copy of police report : Equifax Credit Information ServicesXXXX XXXX, GA XXXX Whom It May Concern : This is a follow up letter to the phone call I placed to XXXX XXXX XXXX regarding the fraudulent activity that is listed on my credit report. 

Fraudulent Inquiry : XXXX XXXX/XXXX/2015 - This is not my inquiry. This inquiry was applied for fraudulently by someone using my personal information without my knowledge or authorization. I have already contacted this company to alert them of this fraud. Please remove this from my report. 

Once the fraudulent information has been deleted, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, IN XXXX : XXXXXXXXXXXX : XXXXDOB : XXXX response to this was as follows : XXXX We have reviewed the inquiry information for XXXX. The results are : Inquiries are a factualrecord of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditordirectly and follow their internal fraud procedures. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX COMPLAINT : EQUIFAX DID NOT PROPERLY RESEARCH THIS INCIDENT OF IDENTITY THEFT AND DID NOT DELETE THIS FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. With that in mind I have sent proper documentation and you all are refusing to remove the fraudulent inquires. So again I am a victim of identity theft and the following inquires were not performed by me and I am requesting you to delete them : XXXX XXXX  ( XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> ) The XXXX  account that was open has been closed due to identity theft so you all should receive correspondence where the account has since been closed. You all dont have the right to tell me that something was done by me due to the fraudster having all of my information. The inquires are a result of fraud and I am requesting them be deleted
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX - Phone : XXXX - Email : XXXX Company Information : - Company Name : XXXX XXXX XXXXXXXX - Address : Complaint : I am submitting this complaint to request the immediate deletion of the inquiry from XXXX XXXX XXXXXXXX ( Inquiry : XXXX XXXX, XXXX  ) from my credit report. This inquiry is unauthorized and is causing me significant harm. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681c_ : This law prohibits the reporting of inquiries that are not initiated by the consumer. 
3. _15 U.S.C . 1681i_ : This law requires CRAs to conduct a reasonable investigation of disputed information and delete or correct it if it is found to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to protect my data and now all my personal information is available on the internet and no matter what I can do. My personal information is on the darkweb.
Product: Credit reporting or other personal consumer reports

This company is in Violation under 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information and 15 U.S.C. 1681e ( b ) - compliance procedures maximum possible accuracy. 

Recently my credit was checked and i was denied credit which cause severe XXXX. I found unverifiable, invalidate, inaccurate and questionable items that was not found to be reporting 100 % correct. Under 15 15 U.S.C. 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S.C. 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 


XXXX - XXXX, please remove this inaccurate.
Product: Mortgage

Flag star mortgage approved a Loss mitigation on my mortgage as we faced a hardship, upon getting approved we were told the late pays were to go on the back of the loan, and the other XXXX pays were less money than the original amount owed, those XXXX moves i was approved all got reported as late pays. I asked them to dispute this as XXXX reps told me this should be reporting as payment plan. Now credit has dropped almost XXXX points because they have XXXX missed pays on my mortgage. They claimed they disputed it but didnt send any communications regarding their decision- upon transfer of title to XXXX XXXX XXXX can no longer speak to flagstar bank as they know longer hold title
Product: Vehicle loan or lease

This is an addition so they can plant a file a while back stating that Shabana motor was having me over pay for my vehicle and they repossessed it, I found the transaction receipt that I was looking for at the time when I filed a complaint on this transaction receipt dated XX/XX/2018 it clearly states that at the time when I made a payment the remaining balance on the loan what's {$9700.00} in the time between XX/XX/XXXX in XXXX I made a total of 6 monthly payments each monthly payment was {$480.00}, that's a total of {$2800.00} so that should have left my remaining balance at at {$6700.00}, but Shabana Motors still has me owning {$8900.00} it doesn't make mathematical sense and it's incorrect.
Product: Debt collection

I was contacted in XXXX of XXXX by a Cedar Financial that I had a {$330.00} ticket stemming from a trip to XXXX in XXXX of XXXX. He threatened to report it to my credit when I said that I never was pulled over or was issued a ticket. He said that I was photographed in a high congestion area and that I was given a ticket that now had several late fees associated with it and I had better pay it now. They have called me incessantly since, even after I told them that I needed to see evidence and I certainly was n't responsible for late fees when in good faith, I had no knowledge of this ticket and dispute that I was in that area.