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

I am pleading for your help in getting this erroneous account removed from my credit reports : XXXX XXXX Account # XXXX. I have been disputing this account with the credit bureaus and creditor for over 1 year. Not only is this account not mine but it is also reporting completely inaccurately. Please see the attached snap shot from my credit report pulled on XX/XX/XXXX from XXXX XXXX showing how this inaccurate account is reporting on my credit report. 

How can the loan be reporting as opened with XXXX  on XX/XX/XXXX and reporting as opened on XX/XX/XXXX on Equifax? How can the terms be " 12 months '' on XXXX  and due weekly on Equifax? How is my high credit limit {$500.00} on XXXX  with no credit limit reporting on Equifax? How is the date last reported on XXXX  XX/XX/XXXX but on Equifax its XX/XX/XXXX? How is the date last active on XXXX  XX/XX/XXXX when its reporting as XX/XX/XXXX on Equifax? The account is reporting as charged off on XXXX  from XXXX XXXX XXXX but was reported as a charge off on Equifax starting in XXXX XXXX XXXX and now is reporting in good status??? 

I have even spoken to representatives from XXXX  who stated that they never received any verification that this account belonged to me but simply received a letter from XXXX to " Leave the account on my report '' How is this fairness in reporting?? 

How can this possibly be accurate reporting? Per CFPB 's own website " The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. '' There is nothing fair or accurate about the reporting of this account and it should not only be deleted immediately but I should be entitled to remedy as is my right as a consumer for the year that I have fought to remove this accurately reporting account. This is clearly willful negligence on behalf of both XXXX  and Equifax. 

Per the CFPB website : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected ... '' This information is completely inaccurate, incomplete and unverifiable and it should be deleted IMMEDIATELY. Not in 30 days as I have waited over 365 days, this account should be removed right away! 

Please remove this account immediately : XXXX XXXX Account # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXX XXXX XX/XX/year> Request for Debt Validation Notice of XXXX Dear XXXX XXXX XXXX XXXX am writing to formally dispute the validity of the alleged debt referenced below and request proper validation under my rights provided by the Fair Debt Collection Practices Act ( XXXX ) XXXX XXXX XXXX XXXX 

Under the FDCPA, I have the right to request detailed validation of this debt before making any payments. Until you provide proper verification, I dispute this debt in its entirety and request that any reporting to credit bureaus be marked as in dispute per XXXX XXXX XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( XXXX ). 

Requested Validation Documents : XXXX. A signed agreement or contract proving I am responsible for this debt. 
XXXX. A full breakdown of how the amount was calculated. 
XXXX. Copies of statements or invoices from the original creditor. 
XXXX. Proof that you are authorized to collect on behalf of the original creditor. 
XXXX. A copy of any judgment ( if applicable ). 
XXXX. XXXX that this debt has not exceeded the statute of limitations. 

Until I receive proper validation, I request that all collection activities, including reporting to credit bureaus, be immediately ceased under XXXX XXXX XXXX ( b ). If you fail to provide the requested validation within 30 days, I expect this account to be permanently deleted from my records and all credit reporting agencies. 

Please respond in writing to the address provided above. I will not discuss this matter via phone. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

I had a car rental with XXXX ending of XXXX and beginning of XXXX and XXXX had release the amount that they had on hold but somehow my money went missing causing XXXX to take the money out of my account again. I contacted capital one they requested info from XXXX. A letter indicating that the money was received and they still didnt return the funds that were released from XXXX  instead, capital one transferred money from my saving account without my consent to my checking account which was negative. When i called regarding the transferred they stated that they were allowed to do that as per their terms and conditions. Up until today i have all my proof emails and negative account lost a lil over {$4000.00} dollars between the release from XXXX and the money that was taken from my savings
Product: Mortgage

Bayview Loan Servicing would send me a voluminous amount of letters stating that Bayview would like to help me avoid Foreclosure ; With options such as a Repayment Plan, Short Sale, Modifications and/or Deed-In-Lieu of Foreclosure. My home has an accepted purchase contract of {$530000.00} and is currently in escrow. The current total unpaid principal balance is approximately {$470000.00}. But with the late fees and other charges to Bayview Loan Servicing, the total payoff amount is about {$500000.00}. To make a long story short, because I need to pay fees and closing costs ( escrow fees, title insurance, real estate agent fees, HOA documents, transfer fees, government recording fees, termite repairs, etc., ) associated with selling a house ; I requested Bayview to waive about {$4000.00} from the {$500000.00} Pay Off Amount so we can close escrow. Bayview said " No. '' So, I asked Bayview if I can do an IOU ( installment agreement ) for the {$4000.00} shortage and I would pay Bayview in installments so that we can close escrow. Again, Bayview 's answer was a " No. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian has violated my HIPAA rights. I asked XXXX XXXX XXXX to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want XXXX, XXXX, and Experian to delete these erroneous accounts off of my credit reports immediately. I have already contacted XXXX XXXX XXXX and informed them they are in violation of my medical privacy under the HIPAA Act! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!
Product: Credit card or prepaid card

I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Product: Mortgage

After several years and XXXX offers from the same buyer, my lender finally responded to an offer and approved the short sale on my home. This was only after a complaint was submitted to the CFPB on my behalf by the Whitehouse as a result of a letter I had written to President Obama. Prior to closing the buyer requested an extension of the time to close. Her XXXX mother had recently spent time in the hospital and a XXXX. She was unable to travel and could not be left alone. The buyer is her sole caregiver and they live in Oregon. The request along with an explanation was faxed to the lender on XX/XX/2017. The closing was to take place on XX/XX/2017. On XX/XX/2017 I received a letter from the lender ( dated XX/XX/2017 ) stating that I am not eligible for a short sale at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple letters requesting this debt to be validated by the creditor and the bureaus and no one has sent me anything! I have never owed XXXX anything as far as an unpaid balance. This needs to be fixed right away
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/2024 of Credit Report, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, last verified, closed date, and last payment. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, date of last activity, balance Owed, and creditor type. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

I requested 3 times from this company to send me information about this collection account on my credit, I have yet to receive anything back. 

I recently tried XX/XX/scrub>XXXX  to reach out for the final time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit card charge of {$120.00} on my credit report that is reported incorrectly. I have the court paperwork from XXXX XXXX, TX. courts proving this to be true. However, Experian is working with the credit card company to keep this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I notice that someone open or use this names on and are in my Experian credit report. also a XXXX XXXX XXXX for bill for collections that I did not authorized. Therefore my e-mail is XXXX and my contacts are cell # XXXX and home # XXXX. Sincerely yours truly, XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 {$590.00} {$590.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX A XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a late payment in XXXX, 2018 on the XXXX account number XXXX. ( Please see page 2 attached from our credit report. ) The mortgage payment is due on the first day of the month. We get paid on the XXXX of every month. The mortgage payment would not be considered late until after the XXXX of every month. I set this account up on Auto-Pay to deduct the mortgage payments on the XXXX of every month, but for some reason this payment was not pulled on the scheduled day of the XXXX and consequently it was zinged as late. This was not our error. We had the account set-up for automatic payment and this was clearly a banking error. We contacted the representative and they said they would remove this late however, they have yet to do so. This incorrect reporting of a late payment is harming my credit score and this late needs to be removed from our credit report. We have contacted the ( 3 ) bureaus to remove this however, we have not been successful.
Product: Credit card or prepaid card

I opened the Barclays XXXX XXXX and More credit card largely for the benefits it offered, namely the conversion of award miles into status miles so that I can meet a Senator threshold with the XXXX XXXX and XXXX program. The credit card was advertised that holders can convert award miles into status miles at XXXX ratio. However, this benefit has not been conferred to me, despite having the credit card. 

Over the course of the last month and a half, I have called the service desk at least 4 times. Each time I was told that I am " definitely eligible '' for the conversion, and yet the option did NOT appear on the website where it is supposed to be executed. I was told that it is likely due to a technical issue since I meet the criteria and in XXXX cases I was promised that a case would be open. Only once I received a case number XXXX with an unsatisfactory response telling me that " flight activity is required '' which I have plenty of. The issue still remains unresolved, despite my numerous attempts of speaking with representatives of the company. 

I have planned my travel such that I would be able to meet my goal of achieving the status by my own travel and by using the benefits of the Barclays XXXX XXXX and More credit card that are contractually promised but delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account NumberXXXX has violated my rights. Or 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: Debt collection

On XX/XX/XXXX I received a letter from a company called XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX, GA XXXX. Theyre trying to charge me with a civil lawsuit or threaten me with one they said I committed fraud, the phone number is XXXX XXXX XXXX {$5100.00} and they expect us to be paid by XX/XX/XXXX they are representing a company called checking go which I had gotten a loan from Back in XXXX or XXXX I believe now in XXXX I did file a XXXX XXXX, so I do not owe this debt and I sent these people a message stating that I do not owe them that I followed XXXX XXXX, but they said they would send a XXXX to my house and serve me if I do not pay by XX/XX/XXXX I did speak to my attorney XXXX XXXX XXXX XXXX South Carolina and he told me to follow Report with you guys and said this account was so old that these people can not do this to me Im a XXXX XXXXXXXX XXXX and I cant take the stress or the harassment and I told this company that when I address this so could you please look into this matter because this is really kind of stressed me out a lot XXXX XXXX XXXX Is XXXX
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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: Debt collection

I am reaching out as a victim of identity theft and to dispute all accounts that has been fraudulently opened in my name. This account is not mine, and I am requesting that it be promptly removed from my credit report. I was incarcerated Unfortunately in XXXX to XXXX, & my purse with all my personal information was stolen while I was Away & Came Home With My Credit being Used & Stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that I was receiving a bill from XXXX specifically XXXXXXXX XXXX  credit bill. I initially thought it was some fake bill because I have never opened a credit card from XXXX store. I noticed the bills again in the next two months. I noticed my credit score going down, thats when I logged into experian, and XXXX to check where I found a number of revolving accounts, credit inquiries from banking institutions which I never requested for. I immediately called the credit bureau companies to report fraud on those credit inquiries and fake credit accounts opened under my identity. I was unable to free my transunion credit due to website errors but I will be calling them during business hours. 
In experian credit bureau reporting I saw the following credit cards opened in my identity which are not mine - XXXX. XXXX with a balance of {$8700.00} I also got hard inquiries from the company In XXXX credit bureau I saw the following credit cards opened in my identity which are not mine - XXXX. I also see XXXX XXXXXXXX account ending XXXX XXXX balance of {$8700.00} I also see a hard inquiry XXXX XXXX XXXX XXXX I have not opened the above credit cards neither have I requested hard inquiries from any of the above companies.