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

I disputed information stating XXXX XXXX XXXX XXXX processed charge off payments in XXXX - XX/XX/XXXX. I sent documentation to XXXX  and the other reporting agencies that the total amount of the loan was paid in XXXX. It was a voluntary surrender of the XXXX, it was sold at auction and I paid the balance of {$39000.00}. XXXX XXXX XXXX XXXX erroneously reported that I had a balance and I fought it through a private consumer credit agency. XXXX XXXX XXXX XXXX closed the balance when realizing their error ; however, reported as charge off in XXXX which has plummeted my credit scores. I did everything right and am still be punished in XXXX after loan was paid off in XXXX. I want my credit history with this account accurately reported to all the agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

-15 U.S.C 1681 section 602 A. States that I have a right to privacy. - 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission. - 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of an account that appears on my credit report. I believe that the credit reporting agency has failed to conduct a thorough investigation of my previous complaint and has neglected to rectify an error that directly impacts my financial well-being. 

Details of the Disputed Account : Account Name/Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$10000.00} In XX/XX/XXXX, I noticed a similar fraudulent account on my credit report and promptly notified the credit reporting agency . At that time, two accounts were erroneously reported under my name. The agency acted by removing one of those accounts but has neglected to remove the current account in dispute, even though both stemmed from the same error or fraudulent activity.

The continued presence of this fraudulent account on my credit report has adversely impacted my creditworthiness, causing undue stress and potential financial repercussions. I have no knowledge of or responsibility for the aforementioned account, and I reiterate that this is a case of fraud or error.
Product: Checking or savings account

Dear Sir/Ma, To whom it may concern, I am filing this complaint about Chase bank, They restricted my account on XX/XX/20 with the balance of {$49000.00} and debited my account on XX/XX/20 in the amount of {$8400.00}. up to this moment i have not heard from Chase. Chase debited the aforementioned amount from my account and refused to release my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified and complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the XXXX timeframe required by law. 

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

This account was charged off on the following date ( XX/XX/2022 OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as Paid On Time every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - XXXX
Product: Credit card

Name : Midland Credit Management Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX Contact Information : ( XXXX ) XXXX Product : Debt Collection Description of the Complaint : I am filing a complaint against Midland Credit Management for violating my rights under U.S. Code, Title 15. They obtained my personal information illegally without my consent, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

When I called them to issue a cease and desist order, I was surprised to find out that this was not the first time they had violated my rights. Midland Credit Management admitted to repeatedly violating my rights by accessing my personal information without consent. Additionally, reports show accounts with incorrect balances. I did not consent to the original creditors to share or sell my personal information to them. 

Violations and Estimates : Unauthorized Access to Personal Information : Midland Credit Management obtained my personal information without my consent, in violation of 15 U.S.C. 1681b ( FCRA ).

Estimated number of violations : 1.

Misrepresentation and Incorrect Reporting : Midland Credit Management reported accounts with incorrect balances, violating 15 U.S.C. 1692e ( FDCPA ). 
Estimated number of accounts with incorrect balances : 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all Three Major Credit Bureaus Experian, XXXX  and XXXX  to dispute anincorrect hard inquiry on my credit report. I have requested them to provide me a verified letter for the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. 
I never authorized this company to run my credit report. I have contacted the credit bureaus by filing a dispute and requested to send me all correct information to me. I have not received any information back from anyone. This is illegal and I am forced to file a suit due to unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I discovered a negative item, ( XXXX XXXX XXXX ) has been reinserted into my credit file. You are Required by law to notify me within five ( 5 ) days of reinserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

The consumer law states that if the account was deleted as a result of a dispute then the credit bureaus are required to notify the consumer where an account is reinserted. And even moreso the FCRA reporting period have expired. So this was reinserted illegally
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained in my credit report as provided by Experian. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate the following unauthorized credit card account : I have never applied for or authorized the opening of this credit card account. I want to make it clear that I have never signed or applied for this account. As such, I request that you provide me with documented proof of the signature associated with this account. This proof may include, but is not limited to, a signed application form, a copy of the original contract or agreement, or any other documentation bearing my signature. Furthermore, the reported dates of last reporting and active status for this account are inaccurate. I request a thorough investigation into these discrepancies. This is fraudulent activity Creditor Name : XXXX
Product: Credit reporting or other personal consumer reports

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

Some account that I reported are as follows but not limited to : 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 I want reported accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and as a result there were multiple accounts opened with Capital One. The accounts were closed with balances. I called Capital One to inform them and they have not removed them from my credit reports.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX XXXX  XXXX  # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX 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 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 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 vears.

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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. 
The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain credit inquiries and accounts listed on my credit report, as l believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) Report number ( XXXX ) identity theft and fraudulent activities.my personal information was used fraudulently. The unauthorized credit accounts I am disputing are as follows : XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXXXXXX credit inquiries I am disputing are as follows : accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), l am requesting that you investigate these disputed inquiries and remove them from credit reports
Product: Credit reporting or other personal consumer reports

incorrect information on my credit report transunion, XXXXXXXX XXXX for my name and address. 

my name is XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, marlyland XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I observed a collections on my credit report from Equifax. I contacted XXXX XXXX XXXX and requested verification/validation ( attached ) and received a generic letter ( attached ). On XX/XX/2018 I filed a complaint with CFPB ( attached ) and they received the same generic letter. I again filed a complaint with CFPB and they did not receive a response. I forward all information to all credit bureaus and the account was removed except for Equifax. They stated that XXXX XXXX XXXX provided verification/validation. I have requested that information several times from Equifax and have not received any type of response.
Product: Debt collection

I recent got an email saying I owed a debt of XXXX on a lease loan. I've never took out any loans or anything last year! I've tried reaching out to see where this loan came from and there has been no success. They constantly email and do not pick up when needed. I've seen comments about this place being a scam. I don't need this negatively affecting my credit when I never took out any loans. This is my 1st step. The company is Security services LLC
Product: Debt collection

Without any prior communication or attempt to communicate, XXXX, XXXX, and XXXX XXXX has sued my wife and myself in our local XXXX XXXX XXXX XXXX XXXX  for the amount allegedly owed to New Jersey XXXX XXXX, XXXX for a pre-natal visit. However, this matter was in dispute between the service provider and our insurance provider at the time who noted that if the visit in question was coded as a " pre-natal visit '', it would be covered fully by insurance. At the time this occurred, the service provider, NJ perinatal, was refusing to change the coding and said it was a " preventative visit '', not a " pre-natal visit '' and that we had to pay the full amount. We had insurance call them and explain the situation and they refused to make any changes. They haven't said anything for over 3 years, and now out of nowhere, without any communication from either party, they have submitted a lawsuit without any proof or history around the coding mishaps on their end.
Product: Mortgage

I am trying to assume an FHA loan that is serviced by the company Mr. Cooper. I first contacted the Mr. Cooper assumptions team via email ( XXXX ) on XX/XX/2023. I never received a response. On XX/XX/XXXX, I was finally able to get a customer service representative from Mr. Cooper on the phone, who sent me an assumption " welcome packet '' via email. This packet asked for some information from me and some information from the current borrower. We both completed our respective pages and, on XX/XX/XXXX, we sent the packet back to Mr. Cooper via 3 methods : email ( XXXX ), fax ( XXXX ), and USPS. Each one included a request in the cover letter for someone from Mr. Cooper to acknowledge receipt of the packet and let us know if they needed any additional information. It has now been 4 weeks, and I have not received a single communication from Mr. Cooper in that regard. I sent an additional email to the same email address on XX/XX/XXXX, and did not receive a response. 

Since the beginning of this process, I have contacted the Mr. Cooper customer service line 5 times. I usually have to spend at least 15 minutes navigating their automated phone system before I can talk to a real person, because the system continually loops me back to the beginning of the process and I have to start over. Each time, I have ended up talking to a different representative. Each one has refused to let me talk to ( or even set up a phone call with ) someone who actually works in the loan assumptions department. This is problematic because each time I call in I get conflicting information about what information they have received from me, when they received it, when I will receive a response, and even whether the loan is assumable in the first place. I am consistently pointed to the same email address ( XXXX ) that I have contacted 3 times without a response. 

I do not know, and no one at Mr. Cooper seems to be able to tell me, the status of my assumption application. I've been told that the assumptions team is theoretically assessing my credit worthiness. I would love if that is the case, as that would represent progress. However, this seems impossible as I have not provided the typical information ( bank statements, income/employment verification, etc. ) typically used to assess credit worthiness. I would be happy to provide this information, but someone from Mr. Cooper needs to tell me how to provide it. All that I have provided thus far is the basic demographic information requested in the welcome packet, a photocopy of my driver 's license, and a photocopy of my social security card. Given that I still haven't heard anything back from Mr. Cooper, I now worry that I have given my SSN to a complete sham of a company.
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 XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by PHL 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 Made on Time : The payment was made on time, as evidenced by the attached bank statement showing the transaction on or before the due date. 
Natural Disaster Accommodations : This account was affected by a natural disaster, which should have precluded any late payments from being reported during the affected time frame. 
Clerical Error : There was an administrative error on the creditors part, not reflective of my actual payment behavior. My consistent payment history supports 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not create or authorize these accounts and do not recognize them. As per USC 1681g, I am requesting their removal within XXXX days. Enclosed are supporting documents for your review.