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

My credit reports shows that I applied for a credit card with navy federal which I never have. And my employment says I was in the XXXX which I never was. Some of the inquiries on my credit report I have no idea where they came from. I just noticed this information on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My credit report includes accounts that are incorrect and should not be listed under my name. This is not only unjust, but also highly concerning, as I have never engaged in or authorized the actions associated with these accounts. If you fail to investigate and resolve these discrepancies, I will be forced to take legal action.
Product: Credit reporting or other personal consumer reports

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Debt collection

XXXX SS #, XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion Experian , and XXXX credit reporting agency . I request that you ( CFPB ) 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.

In accordance with the Fair Credit Reporting act, a inaccurate collections account XXXX opened XXXX shown on my Experian & XXXX consumer credit report. A hard inquiry from XXXX XXXX on XX/XX/XXXX, A hard inquiry from XXXX on XX/XX/XXXX, A hard inquiry from XXXX XXXX on XX/XX/XXXX, A hard inquiry from XXXX XXXX XXXX XX/XX/XXXX, a hard inquiry from XXXX XXXXXXXX on XXXX XXXX, a hard inquiry from XXXX on XX/XX/XXXX XXXX XXXX hard inquiry from XXXX on XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX. All the accounts are falsely on my Experian, Trans Union and XXXX consumer credit profile. I would like these accounts deleted with in 4 days of receiving this complaint. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate bankruptcy information is reporting on my credit file. Please see the attached document.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Hey it show a late payment on my credit report. I was never late on my account. Loan number XXXX show I was late in XXXX and I was not please fix and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1861 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Debt collection

They call non stop. They rang my phone non so for so long the portable phone died and needed to be recharged all night. 

They were very rude to my wife and they call after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file disputes that have not been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Mortgage

My Loan Number is XXXX. I got behind in my mortgage payment back in XXXX but have really been trying to catch up the four payments that I had missed. My last payment was on XX/XX/XXXX which just brought my past due for XXXX. I was told and directed to put in for mortgage assistance. but because I had put in for this. SPS Servicing would not accept any payments for any reason. which I had 2 payments that would have brought me within 2months of being past due. Now since this has happen I haven't made any payment Now I'm 5 months behind and my loan has been referred to an attorney. I have been in my home for 22 years and don't want to lose it. On XX/XX/XXXX I had XXXX  XXXX and explain to the company I was Out of work but would be getting short term XXXX from My insurance company at work and would make as many payments as I could to catch the loan back up.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 


I am demanding a deletion of the following account : XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # 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 : 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 card

To whom it may concern : Please reverse the fraudulent charges that were charged to my account of {$12.00} on XX/XX/year> and {$12.00} on XX/XX/year>. 
I signed up for a 3 day free trial of XXXX  XXXX  on XX/XX/year>. However, the merchant had a system error during the registration process, so I could never log in or use the service at all. A representative from XXXX confirmed this in an online chat. It is impossible to login to the service because of this error. I never received a fax number, so the company never provided me with any service and charged me fraudulently. 
Since the automated login function was impossible, I called customer support on XX/XX/year> ( before the free trial elapsed ) and requested that my account be canceled. I also sent emails to the support email addresses on the same date of XX/XX/year> ( before the free trial elapsed ) that the XXXX cancellation page provided to have further documentation of this. I have attached evidence that I called and emailed XXXX and requested a cancellation of their services prior to the free trial end date. 
Here are the 2 emails ( attached ) sent to XXXX on XX/XX/year> to the email addresses that the company designated ( XXXX and XXXX ) for customer support : I received only an automated response to login to my account to cancel, but that was impossible because I never received the login information for the reasons mentioned above. 
Also, the customer support representative confirmed on XX/XX/year> that no service was ever provided to me and that XXXX is responsible for charging me without a functional account ever being created for me ( screenshots below ). In regards to this, the representative stated that the chargeback should go through. 

Please issue the refund to my account in light of this information.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to experian as of XX/XX/XXXX that my account is 60 days past due in the amount of {$150.00}. This account is paid in full with a XXXX balance. I have emails showing I have no active account with them and that all my accounts are paid in full. I received an email from experian today XX/XX/XXXX that as of today XXXX is showing an amount of {$150.00} which is incorrect.
Product: Credit reporting or other personal consumer reports

What Happened? 

I am filing this complaint against XXXX XXXX Bank XXXX due to inaccurate and unverifiable information being reported on my credit file. 
This account was closed and paid off, yet it is still negatively affecting my credit score. 
I never missed a payment, yet 60-day late payments are being reported inaccurately. 
I have disputed this multiple times with Experian, Equifax, and TransUnion, but XXXX XXXX Bank has failed to verify or correct the reporting. 
Under FCRA 611, if a furnisher can not verify an accounts accuracy, the information must be corrected or removed from my credit file. 

Requested Resolution : Remove the XXXX late payments from my credit report OR Delete the entire account if it can not be verified as accurate. 
Ensure that Experian, Equifax, and TransUnion update my records accordingly. 

I have attached supporting documents, including dispute records and my previous complaint with the FDIC ( XXXX # XXXX ) regarding this issue. 

Please update me on the status of this complaint as soon as possible.
Product: Mortgage

Prior to the week of XX/XX/2017 I was told I could send approximately {$2100.00} in which would bring us current for XXXX. I also have a {$650.00} money order floating around that I sent to Carrington and they returned it to me. I will add another {$50.00} on to this payment and there is XXXX payment. I called tonight so I could wire my {$2100.00} and am now being told over {$3000.00} is being owed and they wo n't accept {$2100.00}. I was just told that this would be accepted on Friday. I am now sitting on {$2800.00} for my mortgage payments and they will not accept it. I am now being told that another {$500.00} in fees have occurred and that this all has to be paid before XX/XX/2017. If I attempt to send the full {$3300.00} then they will tack more fees on. Carrington keeps finding ways to tack on fees and not let us pay so they can foreclose. This is an urgent matter and needs to be addressed right away or we will be forced to file chapter XXXX on {$3300.00} in debt. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint to the CFPB for Transunion, I would like to know how is it that a fraudulent account can be verified as accurate, I am stating that i am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting or other personal consumer reports

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following accounts and inquiries blocked and deleted from my credit file. 
Fraudulent Accounts : 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

My wife and I took out a home improvement loan with XXXX FNBO for {$70000.00} back in XX/XX/XXXX. According to their website, First National Bank of Omaha acquired XXXX in year XXXX. They decided to rebrand XXXX to Slice FNBO XX/XX/XXXX. 

Now on my credit report it shows I have a loan with XXXX and XXXX  with a payment for {$560.00} and a balance of {$69000.00}. 

This is causing us an issue when trying to get a loan because it looks like I have XXXX different loans and lenders needs proof it's only XXXX loan.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account No. : Ending with XXXX XXXX XXXX Account No. : Ending with XXXX XXXX XXXX XXXXXXXX. Account XXXX. : Ending with XXXX
Product: Credit reporting or other personal consumer reports

There are over XXXX unauthorized inquiries on my credit report that are fraudulent I reached out to the original creditors and received no response these accounts need to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The disputed item was initially disputed on XX/XX/23 and denied. I spent months working with XXXX XXXX to investigate this hard inquiry, as I knew it was not mine. I have never had or applied for any XXXX XXXX account. Eventually, XXXX XXXX determined the hard inquiry that is on my report was due to a fraudulent credit application that used my information. After that investigation, XXXX XXXX issued me 2 letters, dated XX/XX/23 and XX/XX/23, respectively. The first letter stated that XXXX XXXX is sending the update to the credit bureaus to remove the hard inquiry and that should take 4-6 weeks. The second letter specified that an investigation determined the application was fraudulent and reiterated that updated information to remove the hard inquiry from my report was being sent to the credit bureaus and it may take 60 days to complete. When I pulled my Equifax credit report on XX/XX/23 and still saw the hard inquiry from XXXX XXXX, almost 8 weeks after the 1st letter was sent, I filed a dispute to have this hard inquiry removed again, this time armed with the letters that XXXX XXXX provided to me. I spent XXXX hours with XXXX XXXX attempting to verify whether Equifax reached out to them to verify the accuracy as they state in the dispute denial. I was transferred 5 times and no one could even determine who handles disputes. The last person I spoke to, I'm not sure what position or dept she was in because she mumbled so much, but she kept reiterating that the letter says it could take up to 60 days. Yes, one letter indicated it could take up to 60 days and the other letter, also from XXXX XXXX, indicated it could take 4-6 weeks. I disputed this information almost XXXX weeks after the letter indicating 4-6 weeks and 55 days after the letter that indicated up to 60 days. I said I needed to know explicitly if Equifax contacted XXXX XXXX to verify this information in the less than XXXX hours the dispute was open because if they did dispute it and XXXX XXXX denied the accuracy of my dispute simply based on the fact a full 60 days had not yet passed, even though they themselves deemed it fraudulent activity to be removed, then XXXX XXXX is not abiding by the FCRA. However, if Equifax is stating they reached out to XXXX XXXX and did not and decided to close the dispute without investigation, then THEY are not abiding by the FCRA. Whether XXXX XXXX was refusing to provide me with this information or simply could not, I do not know, so since I can not tell which company did not abide by the law under the FCRA and the duty to fully investigate all claims and remove all inaccurate information upon notification by the consumer that it is inaccurate, then I have to file complaints against both and let the agencies sort this out. Either way, SOMEONE did not do their job.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Still have not received any information from this company on the date that this acount was open but all three credit reporting agencies have said the information was true when it's not how can it be when today I just got phone with all three fraud departments
Product: Debt collection

I am constantly receiving calls from this company about a debt I know nothing about. I have requested they stop contacting me because they call before XXXX Now I have received a collection notice that states they have not heard back from me and the unknown debt of mine is steadily gaining interest. It appears to be for a hospital bill when I have double coverage and I am a recipient of XXXX.
Product: Debt collection

Amount - {$410.00} / Original alleged creditor was XXXX XXXXXXXX XXXX date XXXX, XXXX XXXX XXXX sold alleged debt to MHC Receivables date XXXX, alleged debt was then sold to XXXX XXXX XXXX XXXX XXXX, then sold to Resurgent Acquisitions LLC C/O Resurgent Capital Capitol Services LP who manages LVNV Funding LLC C/O Resurgent Capitol Services LP who now owns this alleged debt.All illegal third party debt collection from illegal third parties along with XXXX XXXX XXXX  are in Violation of 15 U.S. Code ( a ) ( 1 ) accuracy & fairness / 1681 ( b ) Permissible Purpose / 15 U.S. Code 1681 for assertions/ Legal Cease and Desist / Harrassment / Trademark Copyright Infringement were sent to company being represented / never received proper legal NOTICE of debt within 5 days / never received statement informing me they were assuming the alleged debt to be mine / XXXX XXXX XXXX illegally sold debt and received payment of alleged debt utilizing my name and personal information without informing me they were paid in full of alleged debt they transfered for sale illegally/ to illegal third party debt service Resurgent Capitol C/O UNLV Funding LLC without my permission as an unauthorized user reported alleged fraudulent debt to all three credit bureaus XXXX, XXXX, XXXX without legal authority and consent by owner consumer XXXX XXXX XXXX legal interest rate for lending is 16 % .Consumer owner was charged for alleged debt of 27.24 % violated usury laws of New York.