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

Despite my initial dispute and the provision of supporting documentation, this late open account persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of this inaccuracy. However, despite my efforts, this late open account continue to be inaccurately reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open account not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into this late open account, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct this error and ensure that my credit report accurately reflects my payment history. I urge you to prioritize this matter and provide a written response within the legally mandated XXXX-day timeframe, confirming the correction of the late open account on my credit report. With this, I am asking for your assistance to correct the account : XXXX  XXXX XXXX Balance Owed : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by XXXX XXXX first of all i do not have a loan with this company XXXX XXXX I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with XXXX  taken my score down nearly 70 points and now 8 months later on my XXXX  it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX one report says XXXX another XXXX and another one XXXX all different two with XXXX  XXXX  the original creditor and then now XXXX  XXXX  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my account
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX charged off the Wells Fargo account # XXXX. Its reports CO. Now Wells Fargo did not issue the 1099-c to me. It is now considered a certificate of indebtedness. A charged off debt is now considered income according to the IRS publication. Income can not be reported on my profile. I have sent Wells Fargo Dealer Services my opt out form which is attached. Please update the account and payment history as paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of multiple credit card fraud via a XXXX card. This fraud was timely reported to XXXX on multiples ocasions, to which they responded by just issuing a new credit card. 

Recently I noticed a XXXX point drop in my Credit Score and is due to a negative remark reported to XXXXn by XXXX on one of these fraud accounts ( XXXX XXXX XXXX XXXX XXXXXXXX ) I contacted XXXX and they told me they can't do anything since they sold this account to GC Services collection company. 

I need XXXX to contact XXXX and remove this remark since it was a fraudulent purchase. 

I need GC Services to stop attempting to collect via phone a fraudulent account. They need to work based on accurate data. 

I need XXXX to send me a check with the {$120.00} credit I was debited from my account during the fraud.
Product: Credit card or prepaid card

XXXX XXXX I submitted a claim against XXXX XXXX in Idaho for a prorated refund of {$270.00} after contracting XXXX due to unsanitary and unsafe practices by the hotel. During a week long stay I had to go to the ER because I contracted XXXX 
I requested a refund from the hotel, but they are slumlords. 

Chime kept delaying my claim, didn't respond appropriately, did not send the paperwork I requested from them that they used to determine their decision, and have not complied with State and federal regulations.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Consider as a follow-up complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests to Equifax, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, Equifax stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to a previous complaint ( XXXX submitted on XX/XX/2022 ) where I have disputed by providing you the actual credit report from XXXX and XXXX showing you a 3-column table of how XXXX XXXXXXXX XXXX is reporting and furnishing inaccurate information to my credit report. Experian you violating my consumer rights under FCRA. The XXXX XXXX Credit Card account, your company, Experian, is continuing to report this erroneous account with inaccurate information being furnished as of the amount of the alleged account, the status of the account to the payment status in dispute. XXXX has deleted this inaccurate account and you are continuing to report this information. I have attached a copy of the XXXX report. Your company 's reinvestigation procedures are not reliable, so I believe that if your company, Experian, can see how another reliable company should perform reasonable investigations. If you do not proceed with the results of DELETION of this inaccurate account, I will be forced to seek legal representation for monetary damages. 

I request that your company, Experian, email and mail me a copy of the results of the DELETION and mail me a copy of the updated credit report showing the deleted XXXX XXXX XXXX Card account.
Product: Consumer Loan

I recieved a preappoval letter from OneMain Financial in XXXX. I then applied in XXXX and was approved pending bringing in a vehicle title for my XXXX. Because of the holidays it longer than expected to get my title. Once I received the title I applied for the loan from OneMain. I received inconsistent statements from the loan agent XXXX at the XXXX, Indiana location. It was decided that I needed to reapply after paying off a certain payday loan company. I then filed a complaint against this loan agent direct to the company. I sent the complaint to the company on XXXX. On today 's date I received a letter from the company stating I had been denied credit which is not true. I was approved and cleared any credit requirement. ***I also have a current loan with this company and my credit score has since improved substantially. The letter to me was just a retaliation because of the complaint filed against this loan agent. ***Again I am current customer of this lender. In addition, this loan agent or company maliciously stated that my credit score was a XXXX which is false information as shown by the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a credit monitoring service last year and discovered multiple errors showing on my credit report. Multiple accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the original creditor. I contacted the FTC and followed the Identity Theft steps including filing a formal FTC report and putting a freeze on my Credit. Equifax has refused to remove this debt from my report causing me to have to repeat this process. I am providing information on these disputes. I am demanding these accounts be blocked from all of my credit report, due to the fact that they are not valid and/or they are not caused by me.
Product: Money transfer, virtual currency, or money service

I had XXXX on my Venmo app but a fraudulent charge at a local XXXX took XXXX from my venmo balance then a 2nd charge at XXXX for XXXX transferred the amount from my personal bank account to my venmo account. Both were on XX/XX/2023 one at XXXXXXXX XXXX and the second one at XXXX pm. This fraud also transferred XXXX from my bank to my Venmo account four times adding up to XXXX cash on XX/XX/2023. Venmo did reimburse my bank account the XXXX and the one XXXX XXXX charge but Venmo is refusing to reimburse the second XXXX charge of XXXX to my Venmo account. I have proof that I had XXXX XXXX and could not have made these transactions at XXXX I was in recovery at the time.
Product: Debt collection

I found out toady through XXXX XXXX, that i have a collections with midwest recovery systems for a loan they said i took at a XXXX XXXX XXXX i never took such loan in the amount of XXXX they told me the loan is from XX/XX/XXXX taking in florida i was living in massachusetts in XXXX i moved to florida XX/XX/XXXX now midwest recovery systems sent it to XXXX and XXXX stating its in collections i never took such loan out with This XXXX XXXX XXXX dont even know who they are or where they are located please help me its ruining my credit
Product: Credit reporting

I worked for a company called XXXX XXXX XXXX. The owner of the company, which is not me, applied for and received an XXXX payment corporate account that gave the office a credit card swipe machine for taking payments. The owner died and I took charge of closing the business for the surviving spouse. It came to my attention that one of the owners family members was swiping their personal credit card and then transferring the funds to her personal bank account. This family member then began to claim fraud on every credit card she had and XXXX payment issued her a refund. I complained to XXXX and showed them the proof. They did not care who did it and since my name was now on the account since I was the one put in charge to finish up unfinished business and close it 's doors, They claim I am responsible, I did not sign any agreement with them nor did the company use me as a personal guarantor. I submitted a letter to Experian giving them the proof I sent to Experian and asked them to validate this account or to remove it from my credit report. They validated the account and sent me a letter dated XX/XX/2016. Since I know they are in error, I sent them the attached letter on XX/XX/2016 asking for Method of Verification as required by the Fair Credit Reporting Act Section 611 ( a ) ( 6 ) ( 7 ) or to remove this account from my credit report. They have not responded to my letter and they have not removed this account from my credit report.
Product: Debt collection

This debt was paid by my insurance company. I dont owe this bill. I disputed this before and it was XXXX we from my file then sold to another collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint. 

I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act Convergent and according to 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 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX 5. Account Name : XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX XXXX  Account # XXXX 7. Account Name : XXXX Account # XXXX 8. Account Name : XXXX XXXX XXXX Account # XXXX 9. Account XXXX : XXXX XXXX Account # XXXX
Product: Debt collection

Identity Theft, I did not sign for anything. Please Investigate the matter. Thank you!
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bank account on my Experian ( only credit file this account is on ) is not an account I ever had and is inaccurate. I tried communicating with Experian who hasn't gotten back to me within 30 days and the bank. I disputed this information and haven't heard back from credit bureau which is why I am reaching out. The following is the information : Account Opened : XX/XX/20XXXX XXXX XXXX XXXX XXXX  Balance : {$6700.00}
Product: Debt collection

I contacted the 3 credit bureaus providing information of inaccurate information and asked them to provide me proof of the decision, which I never received I sent the certified letter on XX/XX/year>, and on XX/XX/year> it came back accurate again, this is very functioning I reached out to both credit companies asking for the ledger history and I was disrespected, XXXX XXXX Int expressed to me that they weren't sending me anything else out and if the move out wasn't to my liking that's my problem, and Rent debt express that they weren't going to dispute the account anymore and they don't have to provide a payment ledger and I can't afford to live and pay my rent which was very unacceptable, and by law, I can request a full payment history leger,15 USC 1692 ( c ) This is affecting my life mentally,
Product: Mortgage

Flagstar Bank has been charging me XXXX XXXX for months for " insurance ''. They just added the fee and expect me to pay it, without even calling me. 

I have had homeowner 's insurance for 19 years with ZERO lapses in coverage. Flagstar is the most incompetent institution I've dealt with. They never take accountability or responsibility for their actions and inaction. Honestly, I have no idea what these people do all day. They are thieves. 

My homeowner 's insurance is through XXXX XXXX ( XXXX ) : XXXX XXXX : XXXX How is it legal for Flagstar to just add unnecessary fees to my account? 

It should be noted that this same inept institution allowed my home to be sold at a tax sale close to TWO years after telling me they paid the property taxes that they did not. I have never had a late payment and can not understand why I'm supposed to just pay them every month when they can not complete simple tasks as a servicer? 

I have had no less than 5 different servicers and NONE are even close to as amateurish and unskilled as Flagstar Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX I disputed incorrect reporting on my credit report with Experian . At XXXX received email that investigation was completed and updated. I spoke to someone who's name is XXXX that the dispute remains, while speaking with him I ask for the name and number of the person who his company spoke with, I was told we didn't speak to anyone its was done internally. 
I said how could your company investigate something without speaking to the other company to verify the information is correct and was told that's how its done. 
Experian is committing fraud and lying to the public by taking such action. 
I have a letter from one of my creditors that the incorrect information would be removed. 
I would like for CFPB to have Experian have all of my disputes deleted from my credit report. 
This inaccurate information is causing me harm and stress. 
Thank you in advance.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was shocked to discover inaccurate accounts listed there. I regularly monitor it, and I've never had this issue before. I thought maybe it was a glitch, so I refreshed my browser, but the mistakes didnt go away. Im begging for a thorough check of the documents Ive submitted so I dont have to face this kind of stress again.
Product: Debt collection

I started to receive magazine subscription invoices, one after the other starting with a billing date of XX/XX/2022. The 1st was for XXXX XXXX XXXX for {$15.00}. It was sent to a " XXXX XXXX XXXX at my address. I have never heard of this magazine and never subscribed to this. I contacted the company and told them I never subscribed to this magazine. I received another for XXXX XXXX for {$69.00} due XX/XX/2022, XX/XX/2022, XX/XX/2022 and monthly with past due statements.. I got an invoice for XXXX XXXX XXXX for {$29.00} and another invoice for {$29.00} due XX/XX/2022 and monthly. I got another invoice for XXXX 's XXXX XXXX for {$35.00} monthly. I got another invoice from XXXX XXXX for {$12.00} with a due date of XX/XX/2022, XX/XX/2022 and XX/XX/2022 and monthly with past due thereafter. I got another invoice for " XXXX XXXX '' The XXXX XXXX ( I never heard of this ) for {$40.00} due XX/XX/2022, XX/XX/2022, and monthly XX/XX/2022 which states that I ordered XXXX and XXXX XXXX. I got another invoice for XXXX 's XXXX for {$19.00} due XX/XX/2022. 
Note, I do not read these magazine. I never subscribed to any of these magazines. Some were sent to " XXXX XXXX '' and some referenced an old address of mine. I believe that this is a scam to collect money. This is fraudulent and possibly identity theft. 
Today XX/XX/2022, I received XXXX XXXX XXXX XXXX debt collection bill for {$29.00} to collect a debt for XXXX XXXX XXXX which may be related to these magazine invoices. I am disputing this debt by mail.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account names XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number 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 Also States, No consumer Reporting Agency can not Furnish any Account without my written consent.

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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s - 2 [ A ] [ 1 ] No consumer reporting agency shall not furnish any information relating to a consumer to 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, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I have tried to access my Transunion credit report on XX/XX/2024 and I am unable to see anything in regards to my credit. 

I have verified myself through a OTP via my email but if I request my credit report, it says : Erorr Retreiving Credit Report We're unable to complete your request online. 

I am supposed to call in and when I do, they say I need to logout and log back in online which I have done multiple times. 

I still get this error and no help. I have no access to my credit report nor am I able to file a dispute on my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX