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

I am disputing this debt due to fraud. I was contacted by XXXX XXXX via phone and letter. I have also received numerous letters from your company wanting to settle a debt incurred that I have no knowledge of. The letter states that I owe XXXX to XXXX XXXX. However, I do not owe that debt. My information was stolen along with my wallet, which included my state issued identification card, my personal social security cards, along with personal bank cards and information on XX/XX/2021, I disputed this account previously with XXXX XXXX and the major credit bureaus upon noticing identity fraud had occurred. I also filed a police report, FTC report and Ive had to obtain personal identification due to this. 
If you believe that I am still responsible for this debt, please send me any documentation you have that proves that I owe it. Until then, please cease all communication with me and note on your records that I dispute any responsibility for this debt. 
I reviewed my ( XXXX, and TransUnion ) credit report recently and found the account listed above. I have no recollection of this transaction and I do not believe that it is mine and I consider this matter to be in dispute, due to identity theft and identity fraud. 
I have already disputed this account with your credit bureau. I need to collect all possible information on this account so that I can determine whether it is an error or a case of identity theft. 
I request that you send me all available information possible on this account, including a copy of the original signed contract or any other documents that would establish the nature of the transaction and when, how, and by whom it was conducted. 
If these details can not be verified and the account continues to appear on my credit reports, I shall be compelled to assert my legal rights under the Fair Credit Reporting Act ( FCRA ). 
I hope to receive a quick and satisfactory response, as I would like to resolve this situation. 
Thank you, XXXX XXXX I have attached supporting documents
Product: Credit reporting

Disputed the Public record state tax lien information as paid & released of personal income tax, aged out. Equifax reporting to XXXX XXXX reported different information show no paid or released.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on ACCOUNT/S. 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 customer service representative. 
XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I signed up for a Loan with OneMain Financial for XXXX and they told me that they will pay two of my credit cards ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), I sent to them both of the Statements. They sent both of check supposedly to the address shows on the statements. XXXX XXXX XXXX  check arrived within 10 days and was cleared, the XXXXXXXX XXXX  after two months check never arrived and after back and forth they sent me the check and I told them was made to a different Company and they claim that was the same on my statement and I told them that they don't have another name, the company they made the check to is a telecommunications company nothing related to the credit card, I see this a a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit and discovered unauthorized hard inquiries that I have no knowledge of from the following companies XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Television & Radio Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Sales Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2023
Product: Debt collection

On Friday XXXX/XXXX/XXXX I was in receipt of a phone message alllegedly from XXXX stating that needed to call a phone number XXXX to discuss a debt that I do not have nor was any other information given about any so called debt I might have. 

I believe this was an attempt to coerce me into giving private information to sources that use such information illegally. 

My concern is that such organizations give false information out and this gets picked up by credit agencies and create false reports hat cause me to be denied emplyment or creatre false reports tha tlower ratings in other areas. 

AT NO TIME WAS ANY DOCUMENTS EVER PROVIDED SUCH AS A BILL OR OTHER REPORT INDICATING THAT I OWED ANYONE ANYTHING IN THIS MATTER
Product: Credit reporting, credit repair services, or other personal consumer reports

collection account XXXX XXXX consumer reporting agencies verified the account as mine but the name is not mine XXXX XXXX XXXX II Also the account was sold to XXXX XXXX XXXX back in XXXX so how can XXXX companies claim it there account? 
they are violating my privacy by having my private information without my written consent.
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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REFERENCE OF THE BELOW ACCOUNT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In accordance with the Fair Credit Reporting Act XXXX acct # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a disputes with Experian, XXXX  and XXXX in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.
Product: Credit reporting or other personal consumer reports

A new address was added to my credit report which it doesn't belong to me. 
. The incorrect address is : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Personal Statement Personal Statement Personal Statement I am listing 6 fraudulent inquiries from my Transunion and Equifax credit report : 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.THe listed inquiries do not belong to me and must be removed from my Transunion and Equifax credit report. I had a call with all companies and credit reporting agency and was advised to fill identity theft report for deletion. I am requesting Transunion and Equifax to mark listed inquiries as fraudulent and remove them from my credit report.
Product: Credit card or prepaid card

I had three charges on my bank of America account that I discovered on a closed account that was showing delinquent on my credit report. I contacted Bank of America and discovered three charges that were made which I did not make nor authorize. I spoke with the disputes department who started a claim. I was also instructed to file a police report of the fraud which I did and forwarded to them. 


-- Case # XXXX Charge : XXXX - {$120.00} Date XX/XX/2017 Charge : XXXX - {$120.00} Date XX/XX/2017 Charge : XXXX - {$22.00} Date XX/XX/2017 Bank of America responded to my inquiry with a generic response stating they investigated the charges and said they confirmed statements were mailed to the address I provided which has nothing to do with fraud on my account. 

I greatly appreciate any and all help resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I havve been paying my student loans rigurously. On XX/XX/XXXX XXXX reported a late payment which was not my mistake and have not removed it form the 3 credit reports until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies.

Yesterday and Today I had received 2 alerts. XXXX is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on Equifax ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with XXXX. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX XXXX XXXX Subject : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the immediate removal of certain personal identifiable information from my credit report, which I have already requested five times in writing, made three phone calls about, and attempted several online submissions regarding. Furthermore, I have noticed discrepancies across my credit reports from TransUnion, XXXX, and XXXX, which raise serious concerns regarding potential identity theft. 

As a consumer protected by federal law, I request the following actions to be taken to ensure the accuracy and privacy of my information : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update : I request the deletion of all outdated and irrelevant addresses from my credit report. 
The only address I request to be included is : XXXX XXXX XXXX, XXXX, MI XXXX I can not receive mail or any correspondence at these outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my report. 
Social Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. 
Employer Information : Please delete all information currently listed under the " Employer '' section of my report. 
Inconsistencies Across Credit Reports : Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I have noticed the following inconsistencies : Account Number Discrepancies : The same account number appears differently across the three bureaus, which is a serious inconsistency. This raises concerns about potential identity theft, as unauthorized individuals may be altering or misusing my information.

Payment Status Inconsistencies : There are discrepancies between the payment status reported by the bureaus. Inconsistent reporting can indicate errors or fraudulent activity, as it could reflect transactions that I did not authorize.

Address Variations : The listed addresses across the three credit bureaus do not match, which suggests that unauthorized individuals may be using my information at different addresses. This raises the possibility of fraudulent accounts or activities linked to my personal information. 
Employer Information : There is inconsistent employer information across the reports, which may point to fraudulent attempts to link my identity to accounts I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine : XXXX/XXXX/XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

The items on my credit report was removed then added back and the investigation took more than 30 days. The items were removed from my credit report and I have documentation attached to prove it.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified or deleted : XXXX  XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX, and a charge-off with a {$830.00} past due balance. Please verify the payment history and charge-off status. 

XXXX  ( Account # XXXX ) Late payments reported in XXXX XXXX XXXX and a charge-off of {$1100.00} with a {$1100.00} past due balance. Please verify the payment history and charge-off status. 

XXXX XXXX XXXX ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XXXX with a balance of {$540.00} past due. Please verify the accuracy of this information. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX, Account # XXXX ) Collection account with a {$670.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX, Account # XXXX ) Collection account with a {$610.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. 

If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. 

Please complete your investigation within the 30-day timeframe required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation
Product: Mortgage

My primary residence loan is currently serviced by Newrez ( formerly XXXX XXXX XXXX ). The loan originated on XX/XX/XXXX for {$360000.00}. The property appraised for {$380000.00}, requiring PMI. A substantial principal reduction payment was made on XX/XX/XXXX in the amount of {$280000.00} ( document attached ). This payment reduced my loan to value ratio to approximately 18 %, well below the PMI requirement. The servicer is legally obligated to remove PMI when the loan to value drops below 78 %. I have attached the monthly statement following the substantial payment reduction to show the new loan value and PMI still being applied. I have also attached the last month statement showing PMI still being deducted before PMI was removed. I received a letter dated XX/XX/XXXX stating PMI was removed. My calculations indicate PMI was incorrectly deducted for 30 months at a monthly charge of {$33.00}. I was overcharged a total of {$1000.00}. I have made numerous attempts to recoup these funds over the last approximately 6 months. I have been told I needed to request for PMI to be removed. The servicer claims they issued a check for the amount of PMI after I made the request. I haven't even received the partial payment.
Product: Credit card

I applied for a credit card with XXXX online on XX/XX/year> and was immediately denied access to my credit. I called XXXX XXXX  customer 's service to request information regarding the denial and was also denied this information over the phone. I was told that I must await the denial letter that would come to me via postal mail and/or email delivery. I asked to speak with the underwriter and was told that they were not able to contact the underwriter and there was no contact telephone number that they could provide for me. XXXX is in violation of my consumer rights to access my unlimited credit according to 15 USC 1611.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Smart Advantage checking account with BMO Harris on XX/XX/XXXX. The account advertised a {$200.00} Bonus if I had 2 Direct Deposits, each $ 300+, post within 90 days of account opening. I made these direct deposits, as well as returned my signature card, and complied with all other requirements of the checking account. There were no monthly fees and no minimum balances associated with the account. On XX/XX/XXXX, I inquired via eChat about the status of my bonus. I was informed that my account was closed on XX/XX/XXXX, without consent from me or even any communication from BMO Harris on its intentions to close the account. I asked to reopen the account and receive my bonus. Both requests were denied. I have attached a PDF picture of my account status, a quicken format of all account transactions, and a script of the eChat between BMO Harris and myself concerning the account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies and advised them these charges don't belong to me, they are keeping my score down, an I cant refinance my home at the lowest rate. The company and info amounts are below. 

XXXX XXXX # XXXX {$1200.00} XXXX XXXX # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$100.00}