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

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation p

unishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. The tradelines listed below are items currently wit
hin my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX & XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

This company National Credit Systems is reporting i owe an apartment community XXXX when in fact that is n't true. In XX/XX/2016 the judge in XXXX texas ruled that we only had to pay one month past due rent which is public record now and this company is reporting an amount XXXX above what the judgement was. Not only that this company never contacted me to verify anything. The apartment community didnt take us to court for anything after. Its illegal to report a lie.
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. 


I told XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment was made within the required timeframe. Attached is a copy of my bank statement showing that the payment was successfully processed before the due date.

Clerical Error by Creditor : There appears to have been a clerical error during the payment process, as I never received any notification of a missed payment. XXXX confirmed that no payment was missed, and I have attached correspondence with them to support this claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXXXXXX XXXX Balance : {$270.00} ; XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I am writing to dispute a fraudulent account, XXXX XXXX, on my credit report. This unauthorized entry does not reflect my financial activities, and I kindly request its immediate removal.
Product: Vehicle loan or lease

I reviewed my contract and realized that a gap charge was included in my amount financed I am aware that all fees that are not government or state fees should not be included in the amount financed also, on our paperwork it states a different mileage number than the number that was on the actual dash board of my vehicle so I am not sure which mileage is correct it seems like they could have been misleading me during the sales process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired about an account that was reported open on my credit report from Gateway Financial, I wanted this account to be validated and they didn't validate nor was there a proper investigation for this matter on this account. They had my property repossessed and the account is closed now as a charged off with a balance of over XXXX XXXX dollars which I have no clue where they got this information. I do not recall doing business with this company for my property in question, I would like them to provide evidence for this business agreement. Also, this has greatly and I mean over years and years of dealing with this company it has greatly impacted me negatively effecting my mode of living, mode of transportation, my reputation as a consumer, and mental well being.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report as it's hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have had my purse stolen. There was ATM Fraud as well as other Fraudulent activity, credit and charge cards opened fraudulently. Mt report is not accurate and incomplete. According to the fair credit reporting Agency, whenever a consumer reporting Agency prepares a consumer report it shall follow reasonable procedures that assures accuracy of the information concerning the individual whom the report relates to. 15 usc 1681 ( C ) ( B ) And According to 15 USC 1681I -5 they must do ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) delete any of the information disputed. Please see the police report # XXXX shiawassee police department and attached FTC report XXXX 
Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHARD INQUIRIES, 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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX fraudulently opened a {$500.00} credit builder PLUS loan in my name. I was not aware of this account until it was negatively reported on my credit reports on XX/XX/2020. I have contacted them and even paid the fraudulent loan off to protect my credit as my condo burned down and I am buying a house. I have filed complaints not only with XXXX but with the FTC and the police. I submitted all documentation to both the credit bureaus and to XXXX but they refuse to remove the fraudulent account, let alone update any credit reporting. 

This has taken a huge hit on my credit and my mortgage was denied because of this illegal and fraudulent account. They refuse to correct this injustice and I am prepared to take this to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late payments to credit bureaus for my social security number. my account ( XXXX ) is set as auto pay, but payment did not process on time for unknown reason. at last with the help of XXXX XXXX XXXX, same information was re entered. and payment was made. 
Wait is extremely long for calls and messaging. I am not even able to submit complaint to XXXX XXXX ( copy attached ) I did try to call prior to XX/XX/2021 to resolve the issue, but could not hold phone line for hours. my late fee was removed. and I was assured by XXXX XXXX XXXX that account will show timely payments. but today I received a notice from credit monitoring service that late payments are reported by XXXX XXXX. I think its very unfair.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, After EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX  - XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Mortgage

New York State Department of State Division of Consumer Protection Consumer Assistance Unit XXXX XXXX XXXX XXXX, New York XXXX To Whom It May Concern : I'm writing this complaint about Shellpoint/newrez ( they took over my mortgage XX/XX/XXXX ) but my first payment to Shellpoint/new rez was XX/XX/XXXX XXXX 

I went to the Shellpoint/new rez website to pay my mortgage and could not do so because there was a {$30.00} home inspection fee pending on my account. I was never consulted about this fee. Shellpoint/new rez never notified or contacted me of this home inspection. Shellpoint/new rez is the first mortgage servicing company ( I have ever dealt with ) to charge such a fee and I am very " FRUSTRATED '' to say the least. I'm also filing a complaint with my Attorney General 's office and with the Department of Financial Services, Consumer Assistance Unit, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 

I had to call customer service and wait XXXX on hold only to be told Shellpoint/new rez is charging me for a home inspection done to my property without telling me. I am asking for the return of this bogus and predatory practice {$30.00} fee ASAP. 

Thank you, XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ( XX/XX/2019 - XX/XX/2019 )
Product: Debt collection

I used pay-pal credit for an order and did not receive the order, they told me to get in touch with the supplier to see why I had not received as they can see the order has been collected on their side. I could not get in touch with the supplier as they did not have a contact number. I called royal mail who said my item had been collected, i told them to look at the signature/cameras as i had not collected the item. They told me they would send a dispute for out. I reported the process to pay-pal but due the covid-19 virus everything is taking a little longer than expected. My last call to pay-pal was around a week ago where a lady told me she would put my note on the file and not to worry just let he know when i have the dispute from royal mail and send it through. I have tried for the past week to contact pay-pal but they are not receiving calls due to the virus.I have now received an email from XXXX XXXX XXXX XXXX before pay-pal have even informed me or told me it would be passed to debt if i did nott pay. I have had no pre-warning letter or of course I would of paid and then applied for a refund. I am in the process of buying a home and the debt has massively impacted my credit.
Product: Checking or savings account

I wrote and mailed a check to pay a bill. I put it in the outgoing mail slot inside the post office. Someone stole my mailed check from the post office, changed the name of the payee and the amount and cashed it. This resulted in {$5000.00} being stolen from my account. I submitted a police report and completed all the paperwork the bank requested when I alerted them to the problem the day the altered check cleared my account. This was almost 6 months ago and I am still waiting on the bank to resolve this issue. The bank says that it is waiting for the bank that cashed the check to return the altered check to them.
Product: Credit reporting or other personal consumer reports

Dear SELF FINANCIAL/LEAD BA I am writing to formally dispute the late payment reporting on my account XXXX as reflected on my credit reports. This reporting appears inaccurate and may constitute a violations of federal laws. 

Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that periodic statements containing all information required by 15 U.S.C. 1637 ( b ) are mailed or delivered to the consumer at least 21 days before the payment due date. 

To address this dispute and verify the accuracy of the reported late payment, I request that you provide the following documentation : Proof of compliance with 15 U.S.C. 1637 ( b ), specifically showing that my periodic statement was mailed or delivered to me no later than 21 days before the due date for the disputed payment. 
Evidence of your reasonable procedures designed to ensure compliance with the law in relation to my account. 
Any records or communication demonstrating that I was properly notified of the payment deadline in accordance with the above statutes. 
If you can not provide proof that these requirements were met, then the late payment reporting on my credit file is inaccurate and violates federal laws. I require that you immediately correct or remove the erroneous reporting from my credit reports. 

Failure to comply with these legal requirements will be grounds for further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a unknown account on my credit from capitol one bank
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 TransUnion received a certified mail letter from me asking for proof of verification of collection items : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  By law, TransUnion had up to 15 days to reply with a complete list of all documents and correspondence that led them to verify the items, including all names and contact information of employees that they spoke to as part of their investigation. 

It has been over 30 days and I have still not received a response on this matter from them. However, they have not removed the items as required by law from my credit report. 

I implore the CFPB to force TransUnion to remove the erroneous collections from my credit report at once.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and inquiries on my credit report due to my identity being compromised in a data breach. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), which grant victims of identity theft the right to have such accounts blocked from their credit files. 
Below are the accounts and inquiries that I have identified as 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 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 XXXXXX/XX/XXXX