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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$4800.00} Chargeoff XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$52000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$10000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$13000.00} Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Summary in regards to my behalf... Just asking to please receive a full statement. Thank you Please do know not in the military nor veterinarian .... Just XXXX XXXX threw previous attending at school
Product: Credit reporting or other personal consumer reports

Experian continued to reporting inaccurate information on my credit report pertaining to a bankruptcy. I contacted them several times but unfortunately not positive resolution on this matter yet. I also contacted the XXXX XXXX XXXXXXXX in XXXX XXXX to find out why they furnished misleading information to the credit bureaus, but they could not release information unless I will seek for legal advice. Furthermore, I called their legal team but not additional information was given besides a short memo stating that they " can't control '' what credit bureaus reports on my file. 

According to FCRA inaccurate or incorrect information must be delete it from the credit report, as they continue reporting wrong case number, name, address and even my name. XXXX and XXXX already delete it this bankruptcy from my credit report but Experian refused to do it by constantly responding that they verified the account as accurate but when I asked whom they verify the information with they can't answer that. 

I will appreciate this situation is investigated because they can't continue reporting incorrect information on my credit report. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXX XXXX XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent several letters to Experian asking them to delete several inquiries and accounts from my consumer profile. Ive been a victim of identity theft since XXXX and have been working diligently to restore my consumer profile. Ive sent police reports to Experian which they should have in their system. They continue to report a fraudulent account on my consumer report. The company XXXX XXXX XXXX continues to show them copies of bills, not an agreement bearing my signature regarding this alleged debt. They have taken me to court of this alleged debt but still never showed any proof that this alleged debt belongs to me. They continue to ruin my credibility in obtaining credit and I will be taken legal action against Experian and XXXX XXXX XXXX. Account in question XXXX : XXXX. Im updating copies of reports from XXXX and XXXX as well as alerts i gave on my personal information showing that Im still dealing with identity theft and how my information keeps circling on the dark web.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/XXXX Ss # XXXX Experian XXXX XXXX XXXX XXXX Tx XXXX XXXX To Whom It May Concern, I filed Several CFPB COMPLAINTS regarding my credit profile which Experian has not provided the information that I requested in regards to their dispute investigation process or provided the documentation I requested which include original court documents and my wet signature, regarding the XXXX  XXXX Bankruptcy filed XX/XX/XXXX case # XXXX, XXXX  XXXX filed XX/XX/XXXX case # XXXX and XXXX  XXXX file XX/XX/XXXX case # XXXX. I was a victim of XXXX XXXX and identity theft which I provided the appropriate information ( self attest letter ) to Experian which I believe wasn't investigated. This has caused further damage to my life and the inability to acquire basic essentials required to live a normal life such as housing or employment. Im a Victim of XXXX XXXX  and the public records that appear in this complaint are a result of that trafficking. Please block this information from my credit report within four business days pursuant to section 605c of the fair credit reporting act. Thanks in advance for your timely response to this request. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy that's in credit report i ask the credit bureau to verify information and if verify to send that information from the company they verify it and they telling me the by law they not supposed to give any information I send a letter from the bankruptcy department were they specify they don't report or verify to the credit bureaus also send a letter from XXXX XXXX  showing there no information to verify from there records
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to TRANSUNION and to the creditor and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof.
Product: Credit card or prepaid card

I am a victim of fraud on my account, my additional card holders account was stolen and there were fraud charges on the card, i did not receive a notification about the Fraud until the person spent over {$3000.00} on purchases on the account, this is highly unacceptable at the fact that his card was allowed to be used for such a high amount, this NOT only is way beyond my spending pattern but the erratic charges being made and the locations it was used is not normal. 

I am extremely upset at the fact that your bank has failed to do its due diligence to protect me as a customer. You allowed charges again that were not normal or within my patterns. The fact that your bank DID NOT do its job to protect me until its too late is not acceptable. I am highly upset at this and we need to get this fixed immediately. 


I then reached out to your Fraud Department seeking to speak to a supervisor to discuss my aggravation at the fact that this amount of charges went through over the course of a few days with no restrictions on the account, EVEN When you notified me before i saw the emails the card was NEVER locked and the attempts were still being made. As a bank if there are charges in question on the account why was there no block/hold on the card until you speak with the customer. ( Received back to back emails within different time frames ) Upon speaking to the supervisor he was insinuating as if i was LYING about the fraud that happened on my card and was asking questions like well what the last 4 of your card whats the last 4 of the additional card holders card? I explained that they were the exact same, card numbers, you can tell his response was as if i was lying to him. He stated he is just very very confused. He then went into details about how tired and such a long day he has had. Made me question if this matter was even was important to him, after that I was on the phone crying as I felt backed into a corner with no support given that my account was stolen. 

He continually asked the same questions over and over of how the fraud happened and last 4 of the card numbers and wanted to know if my card was in my possession or not. I answered that yes my card was but my additional user was not.

I repeatedly let him know that YES i have my card and its my additional card holders card that was stolen., he still again was making me feel as if i was a liar and i do not appreciate it. 

I am the VICTIM here my additional card holders card was STOLEN!! i don't know how else to say it, and the bank is not doing their due diligence to protect me to ensure this doesn't happen again ( and didn't happen in the first place ) Please have someone from the corporate offices give me a call XXXX to discuss and hope to come to a resolution. 


Thank you. Stay safe and be well!
Product: Debt collection

To Whom It May Concern, The reason for my dispute is ARS ACCOUNT RESOLUTION XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ARS ACCOUNT RESOLUTION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS ACCOUNT RESOLUTION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ARS ACCOUNT RESOLUTION is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see whereARS ACCOUNT RESOLUTIONis in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportARS ACCOUNT RESOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) was paid in full and communicated to consumer ( myself ) that it would be deleted from credit reports by reporting agency, but still shows on my credit report
Product: Debt collection

On XXXX XXXX I received a notice/ not an actual debt validation letter with proof like contract, signature stating that I owe XXXX to check into cash way back from XXXX XXXX. I have already contacted XXXX to dispute and delete this from my credit report they sent a notice/ bill no contract proven that I gotten this loan ...
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists debt from XXXX XXXX XXXX XXXX with a balance of {$5700.00}, RENTDEBT AUTOMATED COLLECT with a balance of {$10000.00}, XXXX XXXX XXXX with a balance of {$6600.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a missed payment before on my XXXX XXXX   Card but I faced some financial hardship due to a sick child and fell a payment behind. I called to ask about hardship assistance and was enrolled in a hardship program that closed my account but would help me pay off the card. 

I asked numerous times if I would be reported as delinquent by XXXX XXXX  after enrolling in this program. I was told that I would not be reported as delinquent and that my balance would now only have a rate of 0 % and a 60-month payment plan. The only thing that would be reported to the credit bureaus as long as I made my monthly payments on time while in the program is that the account was closed. 

A month later I get a report that XXXX XXXX  has been reporting me every month since the program began as deliquent due to a past due payment when I enrolled. I was told this would be rolled into the balance due and the program, instead it remained as separate delinquency and each of my payments to the program went towards it making every payment late. 

I filed a complaint and the call was reviewed and I was told that the representative did provide inaccurate information to me but there was nothing the woman I spoke to could do to remove the late reports I needed to submit a dispute to another department and was given an address despite XXXX XXXX  confirming they were in the wrong. 

I have yet to hear any response from XXXX XXXX  in regard to my letter or dispute and they have not updated my status with the credit bureaus. 

The reference number for the call with the department who reviewed it is # XXXX
Product: Credit reporting or other personal consumer reports

There is an inquiry on my transunion credit report that does not belong to me. I demand the following inquiry be deleted from my transunion credit report immediately. Please remove the following - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX has violated my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 Inquiries on my report that I did not authorize and I want to remove the Fraud alert on my account I've called and sent in required documentation to remove the fraud alerts from XXXX, Experian, XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX -Late Payment XXXX XXXX XXXX XXXX XXXX XXXX -Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX XXXX -Late Payment XXXXXXXX XXXX XXXX XXXX -Collection/Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 American Express lowered the credit limit on 2 of my American Express Cards. One was lowered {$8100.00} and the other was lowered {$5000.00}. This occured within minutes of a charge from a lawyer. I had a XXXX balance on each of the 2 Amex cards, and had never missed a payment with Amex or any other issuer.
Product: Credit reporting

XXXX XXXX XXXX for {$230.00} is incorrect. Insurance covers XXXX % since my daughter is on XXXX. It 's not my fault they never filed the insurance. Not to mention, I never received a bill for this. I 'm assuming it 's from where my daughter XXXX and her father was the responsible party at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the last 2 days, a company called Credco, formerly Core Logic did a hard inquiry on my credit without my consent. I have not applied for any type of loan or done anything to trigger a hard inquiry. When I called Credco they could not find any hard inquiry done by them based on my name and social yet they refused to fix the problem, blaming other companies. They suggested that I call the name and number associated with the hard inquiry. The name is CREDCO and they answered the number I called. They caused my credit to plunge by 31 points by doing this! I did NOT authorize this and I want it REMOVED.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

XXXX XXXX XXXX XXXX XXXX XXXX Please send me the documents that prove that I was late. If you can't prove that you had proof, you need to remove these late remarks.
Product: Credit reporting

On the XXXX XXXX 2016, while trying to get my report online, XXXX XXXX kept telling me " unable to complete your request '', I then tried Equifax and XXXX and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their XXXX websites which redirects me to the the XXXX website. 
I was advised to file a police report and need the credit reports to do so,
Product: Prepaid card

I received a prepaid small business Master Card debit card in the mail that was unsolicited from NetSpend. I 've never heard of this company and have not applied for a debit/credit card. This company is sending debit cards to people where their identity can be stolen in the future. The card indicated that I needed to activate the debit card.