23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After carefully reviewing my updated credit report, I saw that you are currently reporting this collection account provided above on my credit report. I have no knowledge of this account in the first place. While you are currently reporting this alleged debt on my credit report it is causing significant harm to my credit score and financial reputation. 

RE : Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX was submitted on XX/XX/year>, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a mortgage and received some alarming information when they reviewed my credit. There are a lot of fraudulent accounts on my consumer report that I never knew of.
Product: Credit reporting or other personal consumer reports

I recently disputed with EXPERIAN, and after the dispute, I noticed the accounts I disputed are still inaccurate. EXPERIAN is in violation of 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). They have been verifying inaccurate account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry XXXX Inquiry date XXXXXX/XX/2023. Unauthorized ( XXXX XXXX XXXX XXXX XXXX ) The FCRA states all information listed on credit reports should be accurate,
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the Fair Credit Reporting Act ( 15 USC 1681 ), Section 602a emphasizes the importance of consumer reporting agencies handling their responsibilities fairly, impartially, and with respect for privacy. I, as the consumer, assert my right to safeguard my private information, supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. XXXX XXXX, classified as a financial institution, must adhere to Section 604a ( 2 ) of 15 USC 1681, requiring consumer reporting agencies to furnish a consumer report only based on the consumer 's written instructions. 

I revoke any and all consent for XXXX, EXPERIAN and XXXX XXXX to furnish my information, explicitly stating that they lack my written consent. Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information without explaining how the consumer can exercise the nondisclosure option. XXXX XXXX failed to inform me of this right. Furthermore, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including adverse information without authorization.

The law ( 15 U.S. Code 1681s-2 ( A ) ( 1 ) ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates agencies to maintain reasonable procedures. XXXX and EXPERIAN are deemed non-compliant. Finally, according to 12 CFR 1016.7, it states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a data breach. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized entries be removed permanently. The following accounts and inquiries are not authorized by me and are the result of identity theft : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$450.00} XXXX - XXXX - XXXX XXXX, XXXX - {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - {$300.00} XXXX XXXX XXXX - XXXX XXXX, XXXX - {$660.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$24000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$530.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Product: Mortgage

I faxed a letter as initially directed by customer service requesting my PMI cancellation because it is meeting the ratio required. I make my payments on time, make extra payments and I have no junior loans. The Federal Reserve has the Homeowner 's Protection Act which states that in the case of a refinanced loan the " original value '' is interpreted as the appraisal used at the time of the refinance. I do not feel I should need to pay over XXXX dollars for a new appraisal when the Act states that the ratio is based on the original value/ appraisal. I called two hours later to confirm if fax was received. They said they have their own procedures, requested I fill sign their ( PMI Removal form " immediately '' ( which had a built in consent to pay for appraisal that I did n't see ) and to fax it to a different number. After debating the legality of their " required '' appraisal and fee, the employee XXXX XXXX then they said they are referring the matter to their PMI department and they will call me back in four days. I sent them the request, the appraisal, and I also sent the section of the Homeowners Protection Act pertaining to refinanced loans. I spoke with XXXX separate people and it took hours. Both women had heavy accents that were unintelligible. I have never received documentation from this company on PMI cancellation, nor is it visible anywhere in their website.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account listed on my credit report. This issue is harming my reputation, and I require your support.
Product: Credit reporting or other personal consumer reports

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

In XXXX I had not been able to make my payment due to the Covetous which I called in and explained but they still marked my XXXX payment as delinquent and 30 days past due which dropped my credit score from XXXX to below XXXX that's 132 point drop in one month how is that even legal in any way now I can't move into a house no one will rent to me and I'm XXXX and I don't know what to do. It took me all year to get my credit up now, it took one month to destroy it  especially when I was able to make my payments in XXXX and catch up on XXXX and XXXX and current to today 's date
Product: Credit reporting or other personal consumer reports

In ordinance with the Fair Credit Reporting Act, XXXX account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 SC 1681 section 604 A 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 my 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 60 days 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  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 XXXX
Product: Mortgage

I am currently in chapter XXXX. My husband is not. Co-borrowers on the mortgage. It shows as closed on both credit reports. Bankruptcy filed inXX/XX/XXXX. All payments since have been on time. Payment history inaccurate as reported. Company fixed errors XX/XX/XXXX. Since then it was updated with completely inaccurate information. They claim they have to report same information for both borrowers which is not true. Been trying to fix the errors since XX/XX/XXXX. No resolution. My husbands credit is suffering horribly and the continued errors are becoming very costly as he can not apply for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$320.00}
Product: Credit reporting or other personal consumer reports

XXXX is Reporting this account with late payments this account with Well Fargo has been satisfied 100 % paid in full since XX/XX/year>, and Wells Fargo should not be harming my credit with reporting this inaccurate information to XXXX and XXXX needs to correct my report after re-investigating this issue for the last year. 

According to 15 U.S. Code 1681 ( 2Xi ) and 15 U.S. Code 1666b 12 CFR 1026.13 I have the rights to be represented truthfully by law. relate to billing error resolution and the Fair Credit Billing Act ( FCBA ), specifically outlining procedures for disputing credit card charges and the creditor 's responsibilities.

According to 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agency 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Please re-investigate this matter with integrity that the federal government has provided for consumers. Please provide me with an update credit report when you correct this error. 

XXXX has settled a suit with CFPB for shame investigations on inaccurate reporting please provide a therol investigation and respond with proof of the means in which you arrived to your conclusions.
Product: Debt collection

A company has called me from Halsted Financial regarding a debt which I did not take out it was fraud, someone used my name and social. This debt is some kind of future bill in XXXX I did file a police report in XXXX but now live in XXXX and can not obtain a copy of it but it is filed and if needed they can contact the police department. 

This is NOT my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is incorrect or inaccurate and is hurting me from moving forward with my life. I provided all information from my last letter. This is really making things complicated to provide for me and my family. I need this information removed and updated from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to officially file a complaint concerning the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. Despite repeated efforts to address this issue, these fraudulent items persist on my credit report, damaging my financial standing and credibility. 

Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. 

Requested resolution : I kindly request the following actions be taken promptly : A thorough and immediate investigation into the fraudulent items in question, including verification of their accuracy with the creditor. 

If these items are found to be erroneous or fraudulent, their immediate removal from my credit report. 

A written acknowledgment from your organization confirming the correction of my credit report. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. The accuracy of credit reporting is vital for maintaining the public 's trust in the financial system, and I trust that your organization will take the necessary measures to rectify this situation promptly. 

Please acknowledge the receipt of this complaint within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXXXXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX : {$2100.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

Hello and good day, I am submitting a complaint regarding the inaccurate reporting of late payments by JPMCB Card Services to the credit bureaus. According to their records, several payments have been falsely reported as late. In reality, these payments were made on time, yet this incorrect information continues to appear on my credit report, unfairly damaging my credit score.
Product: Checking or savings account

The bank sent me a mailer saying that I would get a {$400.00} bonus if I opened an account with them and made direct deposits more than {$1000.00} within 95 days. " PLUS ... earn an additional {$200.00} bonus when you open an eligible Seacoast Savings account '' I confirmed at opening that I would get both and they said yes. I complied with the terms but they deposited only {$200.00} and told me that I was ineligible for the {$400.00} since I received the {$200.00}. This does not makes sense to me as it contradicts their written ( mailer ) and verbal representation at the time of account opening. Also if they had to limit it to one item why give me the {$200.00} instead of the {$400.00}?