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

I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by Pentagon Federal Credit Union - Account # XXXX to XXXX and XXXX, and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the XXXX XXXX XXXX XXXX ( FCRA ) and related laws. Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and Pentagon Federal Credit Union regarding this account should not be included in my consumer credit. 15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. Request for XXXX : If Pentagon Federal Credit Union can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of recieving this notice. Late Payments in XXXX XXXX XXXX XX/XX/year> Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been removed.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a FICO score of XXXX. I have 2 credit cards, XXXX XXXX  and XXXX XXXX. I read on line with Experian credit agency that it is best to pay off my credit cards every month. I did print this info from Experian. Now in XX/XX/XXXX. I had a Fico score of XXXX. My credit card people sent to Experian a " snapshot '' of my credit card balance. I followed the rules of Experian that I read and paid off both of my credit cards, sometimes I make several payments to my credit cards to make a good credit score and to avoid finance charges. On XX/XX/XXXX. Experian notified me of a loss of 16 Fico points due to I had no balance on my cards. They subtracted 16 Fico points which dropped me down to XXXX. I called Experian customer service to explain to them that I have proof that I DID USE my credit cards. Experian was extremely rude and basically laughed at me. I called to XXXX XXXX to issue another " snapshot '' ( that`s what they called it ) on XX/XX/XXXX, of my account balance at that time which was {$130.00} to Experian. Experian REFUSED to give me back my lost 16 Fico points and now they taking revenge out on me cause I proved them wrong. Experian did an update again on XXXX and on XX/XX/XXXX and still refused to give me back my Fico points. I have read that Experian is NOT the best people to deal with in these situations. Also, Experian in my profile with them, it states " FEW ACCOUNTS PAID ON TIME ''. I have NEVER BEEN LATE ON ANY MY CREDIT CARDS OR ANY BILLS. I was turned down by 2 visa credit cards due to their errors which they refuse to fix. I asked them where can I get a copy of their " rules or laws '' stating how many Fico points to added when a good credit review. Right after I received these 2 credit card, I applied for 2 other VISA credit cards but were turned down due to Experian errors they put in my report. Now I have 4 inquires on my credit report and Experian has subtract Fico points from me back in XX/XX/XXXX, when I never got those 2 Visa credit card due to their fault. Thank you for any help to get this worked out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Experian-Bankruptcy # XXXX has violated my rights. 
Experian-Bankruptcy # XXXX has violated my rights. 
Experian-Bankruptcy # XXXX has violated my rights. 
XXXX-Bankruptcy # XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without written consent.
Product: Mortgage

I am curranty in litigation with shellpoint mortgage servicing for the past 8 years. I have not changed my email, phone or address in 20 years. My XXXX XXXX XXXX parents, war hero father, was called by XXXX XXXX XXXX and a man name XXXX XXXX. He said he was trying to locate me as he was allowed to reach out to family members in order to find me. He was rude and verbally abusive to them. I called back this morning ( after seeing a missed call from yesterday ), and I spoke to XXXX XXXX and he explained that Shellpoint hired him to find me and he was a skip tracer. He then became rude and verbally abusive to me as well even tho I quickly explained that I had an attorney to protect me in this matter and all calls should be directed to him. I then called Shellpoint and was told that they never hired him to do this. Another lie. Shellpoint sent people to my house to leave notices and when I was outside for two of those occurrences, I asked the person who they were and they simply said - pay your mortgage, dirt bag. They denied that, too. It's just very curious to me that all these people show up on shellpoint 's behalf for absolutely no reason. They spend their own time calling me and coming to my house for free? STOP SHELLPOINT FROM ABUSING PEOPLE. DO YOUR JOBS!! If anything were to happen to my dad because of this, Shellpoint will be liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX   Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX.Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX  Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX/XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " SANTANDER CONSUMER USA, XXXX, XXXX, XXXX XXXX XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Washington , DC XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this inquiries, I did not give authorization to use my social security number to obtain this inquiry.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. THE BUREAUS Opened XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019. FMS Financial Solution added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or SIGNATURE for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA FMS Financial Solution has violated my rights in multiple ways and I'm requesting legal action to remove this account Immediately.
Product: Credit reporting or other personal consumer reports

Trans Union continues violate the FCRA of 15 USC 1681n Willful Non compliance and 15 usc 16810 Willful Negligence. I have repeatedly aske them to remove inaccurate information from my report and they continue to not re investigate the inaccurate and incomplete information being furnished on my report. By The Credit reporting agencies own standards they fail to comply with the XXXX XXXX guidelines. I have again attached my proof of the continued non compliance of the Trans Union.
Product: Debt collection

I made some payments to XXXX XXXXXXXX XXXX XXXXXXXX, but they they didnt do their job properly and messed up our taxes. We disputed those charges which then was sent to collections. We sent debt validation letters Dynamic Collectors Inc.but they didnt respond in the timeframe and didnt send all information requested.
Product: Mortgage

I need relief from mortgage insurance on my current loan. I refinanced my home several years back under President Obamas HARP program. My mortgage company at the time was Greentree and the PMI would be removed in XX/XX/XXXX. I contacted my current service provider Ditrech and was told this cant be removed until XX/XX/XXXX. I am not clear for the reasons for this, but I need this resolved as I have had a severe reduction in income since XXXX due to illness and XXXX and am looking at a forced early retirement due to this condition. it is a strain on me to pay for co pays and medicine and to pay an extra {$200.00} + per month on a house payment that has not been late in almost 10 years of payments.
Product: Checking or savings account

On XX/XX/2020 an unauthorized electronic transfer was made from my checking account to my credit card. I called BBVA Compass on XX/XX/XXXX. I was told to get it reversed it would take 3 to 5 business days. Nothing ha been reverted and after calling agin today they are telling me it will take 3 to 5 business days again. I never authorized any payment to be processed nor should it take 10 days to get the funds back. If they give it back? My fear is they are taking money and blowing it up into thin air and this is not the time to worry us consumers. We already have a lot to deal with.
Product: Debt collection

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are 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 demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof.
Product: Credit card

I missed a payment because my father has been XXXX since XX/XX/2024. He is scheduled for XXXX next week. He needs my care and I am on FMLA leave until he recovers from XXXX. I finally paid {$2100.00}. to my XXXX account to bring it up to date. And right after it posted, they lowered my credit limit by the amount I paid. I now have an available credit equal to the remaining balance. My credit limit was {$2700.00}. and I paid {$2100.00}. and now the avaiable credit limit is {$880.00}. which is the remaining balance. So from a credit profile perspective, the credit bureau is reflecting this account is at its credit limit to punish consumers when they are most vulerable. No notification and communication so that they get their money, and ensure the consumers pays dearly with their financial futures. This is unethical and shameless. Consumers who rely on credit to survive, and in my case, care for the XXXX, can not be cast out like a torn kite in the wind. 
If they would have informed my that my credit limit was being lowered, I would have kept some of the money for my fathers care. Just paid minimum payments going forward and use the financial resources for food, shelter, necessities, etc. They did not notify me they were going to lower it by the amount I paid. I want my {$2100.00} cash refunded and my balance restored and i will make minimum payments instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute showing inaccurate information reporting to the three Bureau. This is a direct violation and even showed the proof of the actual violation. The company came back and said UPDATED, but the information was not updated it is still reporting the same.
Product: Debt collection

I am currently refinancing my house. It was brought to my attention that XXXX XXXX Bank student loan on my daughter that I co signed on shows it was XXXX. The amount of the student loan was {$17000.00}. Both companies have indicated that they can not make you pay on a loan they wrote off as a loss and shows on my credit report as XXXX. So I am asking for help to see if they are allowed to make me pay on a loan they took as a loss. 

In XXXX when I was XXXX from my bankruptcy, I was contacted by Wells Fargo and told I had to pay this or they were going to lien my house. I owed the debt and was responsible for it. I asked why they did not correspond during my bankruptcy. They signed a contract is a contract and I owe it. 

I have been paying since XXXX {$170.00} a month because I wanted to build my credit scores. The title companies say it shows I am delinquent XXXX months which is effecting my XXXX XXXX. I have asked for a copy of my credit report. When I went on XXXX XXXX drop down the information on Wells Fargo it shows Closed - Current payment status - In Collections/Charge-off. 

Could I please get some help regarding this situation if they are in the wrong for doing this of discharging it and now making me pay for a loan they wrote off as a loss.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you