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

To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section XXXX ( XXXX ) ( A ) of the XXXX are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that XXXX the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX Account XXXX  XXXX This account reports Date Opened showing XXXX different dates from XXXX and EXPERIAN. The Date Last Active on this account shows XXXX different dates from XXXX and EXPERIAN. As well as the Account XXXX. It should be reporting the same information across the board. Please DELETE for inaccuracies * XXXXXXXX XXXX  Account XXXX  XXXX account report multiple inaccuracies, Account Status, High Credit, and Date Last Active reports different from XXXX and Experian XXXX The dates and amounts should match the same across the board and it doesnt. Please DELETE for inaccuracies. 

XXXX Account XXXX XXXXXXXX This account report multiple inaccuracies, High Credit, Credit Limit amount, and Date Last Active reports different from XXXX. The dates and amounts should match the same across the board and it doesnt. Please DELETE for inaccuracies. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

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

During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and to this present day ; I have submitted several dispute letters in regards to UNVERIFIABLE public records reporting on my credit report. However, three of the items listed as public records on my credit report, were previously disputed via CFPB in XXXX of XXXX. Those items were UNVERIFIABLE due to myself being a Identity Theft victim. Those items are currently reappearing on my credit is an violation of the FCRA 611 15 U.S.C. 1681 ; and can face a penalty of {$1000.00} in civil court. 

I am a victim of identity theft. The information listed on the attached Report, which appears on my credit report, is the result of identity theft. 

I have enclosed my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act and notify all furnishers of this information. I appreciate your prompt attention to this matter and await your reply.
Product: Credit reporting or other personal consumer reports

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

I looked at my Trans Union credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the 15USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Good Morning, I have complaints for XXXX and Synchrony bank store cards. My credit limits have deceased with these banks after either I made purchases with the approved limit or after I paid off my balances and waiting months to use the card. It's happened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  American eagle Store Card, Tj Maxx Store card, and now my Ikea Project store card. The Ikea credit decrease was the last straw. I opened the card in XXXX. I made purchases then paid off the balance in full in XXXX XXXX I never missed a payment never had a late payment. My limit with the Ikea store card was {$5000.00}, after I paid it off in XX/XX/XXXX I didn't use the card again until this XXXX. I made purchases with the available credit limit of {$5000.00}. My purchase total was {$1700.00}. A few days after the purchase I receive an email stating I had a secure message> I log into my account to find out my ikea credit limit was decreased to {$700.00}. I have already made my purchases, so this puts my account over the limit by {$1000.00} and my credit utilization will now be affected> I started looking into the other store cards I had this happen with and they did the same> of course my credit score is bad because their practices make it seem like I am spending more than what In have, which is not the case. so when any other credit company do their checks they close the card or lower my limits. these practices are UNACCEPTABLE. Please can someone help investigate this, I'm sure they are doing this to other consumers. I have reached out yo Ikea XXXX XXXX to have them at least put the limit to the purchase amount I was told I have to request a credit increase, they review accounts monthly to check for good standing. I was in good standing so why the decrease?
Product: Debt collection

Contacted Equifax several times in the past year regarding a collections account from XXXX XXXX opened on XX/XX/2021. I requested if Equifax could provide me with details about this account such as an invoice, contract, or other documentation signed by me Equifax failed to respond with any relevant information during the window stated by FCRA requirements. In fact, as of today Equifax has still not provided me with any details about this debt in the last 12 months. Additionally, I contacted Equifax several times over the year to point out the collections account appeared twice on my credit with inconsistent amounts owned one said {$470.00} while the other was {$470.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   is not reporting one year of payments on my Westlake Financial account. The Westlake account is reporting accurately with  XXXX  and  XXXX  so I find it hard to believe that Westlake is reporting it incorrectly to  XXXX . I 've requested for this concern to be corrected and  XXXX  played me as that they are reporting what is being reported to them.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correcXXXX XXXX XXXXXXXX Balanced : {$540.00}
Product: Credit reporting or other personal consumer reports

I contacted the company to ask them to remove and delete this incorrect information that wasnt accurate on my credit report. An also once that is done to send me an updated copy of my credit report to insure that my request was made, but unfortunately they did not fulfill what I had asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI XXXX XXXX YOU CRIMINAL MISCREANT, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH CHEXSYSTEMS THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX  XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? WHERES MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2013 I have had constantly fight with XXXX, Equifax , & XXXXn to take inaccuracies of my credit report and at the same time I also been notified by all three companies. My information had been breached. They neglect to report properly so my scores stay low, when they report inaccurate information I dont get a descent rate on auto insurance. This is the impact of their negative practices
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. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX /account number XXXX XXXX XXXX XXXX number - XXXXXXXX XXXX XXXX XXXX  / account XXXXXXXX XXXX XXXX XXXX  account : XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX/ account : XXXX XXXX / account XXXX XXXX XXXX XXXX XXXX / account : XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX  / account : 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

Despite my multiple attempts to dispute these items with XXXX XXXX and provide supporting documentation, such as evidence and police reports the issues have not been resolved this account account was fraudulently opened I have no knowledge of it my identity was stolen. Additionally, I am being sued for debts I no longer owe. Debt collectors are selling my debt, leading to multiple lawsuits against me. I request that these items be investigated and corrected as soon as possible. Please provide me with a written statement detailing the results of your investigation and any changes that are made to my credit report. Belon is an attached copy of my report for your reference. Thank you for your prompt attention to this matter.
Product: Mortgage

I submitted an application for mortgage assistance to my loan servicer, Nationstar Mortgage LLC d/b/a " Mr. Cooper '' and it was rejected for insufficient documentation, without specifying what additional documentation they were looking for. The application was rejected several weeks ago, since then I have called and emailed almost daily and have received zero response beyond form letters telling me that I " should receive a communication from your Specialist soon. '' I escalated to the manager, then to the AVP, and have still received zero response. 

The attached record of emails was preceded by many, many calls until I felt that it was necessary to begin documenting my contacts with this company.
Product: Debt collection

I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : XXXXXXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative. 

XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 

XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative XXXX 

I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated XXXX period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. In my XXXX  XXXX XXXXeport, a new account is showing from Midland Credit Management for the balance of {$2300.00}. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXXXXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the XXXX XXXX XXXX XXXX XXXX XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my XXXXredit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer. CFPB Complaint ExampleTOP
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and SSN Card.
Product: Debt collection

On XXXX XXXX they stated that i owe XXXX for an unvalidated debt
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVING ISSUES GETTING THE CREDIT BUREAUS TO UPDATE MY CORRECT ADDRESS AND REMOVE ADDRESSES NOT RELATED TO ME.
Product: Credit card

Dear Sir, I was charged excessive late fees on a secured credit card by Wells Fargo Bank- representing an effective 1,000 % interest rate and over XXXX % of my collateral. The late fees were automatically charged, my account was subsequently closed and missed payments were reported to credit agencies. The bank had failed to notify me either electronically or via paper in spite of me updating the bank staff of this change of address. I have also spent several months trying to get the bank to reverse the several charges they have charged - an effective 1000 % + on a completely securitized line. The bank customer service and executive office seems to only want to find a way to legalize those charges and do not want to take any accountability for excessive fees and charges. While the enrollment process I was told that this secured credit card would only hurt my credit scores. I have no other option that to use this forum to hope for a correction in their methods and processes used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed. Invalidated information by XXXX was not removed which constitute fraud under both Federal and State Laws. Due to this fact, negative mark are found on any of my credit reports.

Violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Violation of the Fair Debt Collection Practices Act 15 USC 1692g