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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXXXXXX XXXX XXXX XXXX XXXX I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX placed a collection on my XXXX XXXX credit report and Transunion credit report on XXXX XXXX, 2017 stating that I owe a balance of {$2200.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
Product: Mortgage

Purchased home in XX/XX/XXXX. Escrow account set up to pay property taxes. Closing company set up calculation amount correctly. Loan transferred to another division of Cross Country Mortgage. Received a refund of {$5900.00} in XX/XX/XXXX. The was no explanation other than they withheld too much for the account. They further stated my taxes were lowered. They were also lowering my escrow account payment from correct amount of {$570.00} to {$310.00} per month. This resulted in a supplemental tax bill of {$4600.00} and a negative balance to pay current taxes due of {$6900.00}. They were grossly negligent using the wrong purchase price of my home resulting in an extreme financial situation for me. They accepted no fault. This was gross incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX # XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Checking or savings account

We called numerous times to open the account. Their system did not recognize my phone number many many times, and I had to upload my drivers license at least three separate times. It took us three days and hours of time to get the account open. I made a deposit and they froze it. They directed me to a branch XXXX miles away. Completely incompetent
Product: Debt collection

On XX/XX/ 2021 at approx. XXXXXXXX XXXX this company called and harrassed my mother trying to locate me. No family members numbers where ever given. This company said they were XXXX XXXX  and repeatedly tried to get a phone number from relative. When I called the number they provided, they said they were " administration '', once they verified it was me calling, then they said they were a law firm trying to collect a debt that was {$790.00} when debt owed was just over {$500.00}. They have continued to call my number up until XXXX XXXX several times a day.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX  XXXX XXXX, Acct # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I identified an account that may be inaccurately reported. 
Below are the account details I am requesting to be reinvestigated : Account Name : XXXX Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with this account. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within XXXX XXXX I respectfully request that the account be deleted from my credit report.

Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting this account. 
Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. Please remove all fraudulent accounts to my report. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SUBMITTED A LETTER TO XXXX TO VALIDATE SEVERAL INACCURACIES ON MY CREDIT PROFILE THAT WERE SERIOUSLY DAMAGING MY ABILITY TO OBTAIN CREDIT. NOT ONLY DID THEY NOT RESPOND BUT THESE ERRONEOUS ACCOUNTS HAVE REALLY MADE IT HARD TO OBTAIN HOME MORTGAGES, AUTO LOANS, AND LINES OF CREDIT. THERE HAS BEEN NO VALIDATION OR CORRECTION OF THESE ERRORS AT ALL. I UNDERSTAND AS A CONSUMER THAT CREDIT COLLECTION COMPANIES ARE GIVEN THE PRIVELAGE TO REPORT ACCOUNTS AND THAT THEY MUST BE ACCURATE. I HAVE BEEN DISPUTING THESE INACCURACI FOR 7 MONTHS ....
Product: Payday loan, title loan, personal loan, or advance loan

ACCOUNT WAS OPEN IN MY NAME
Product: Credit card or prepaid card

On Monday XX/XX/18 I ( XXXX XXXX ) tried to withdraw {$100.00} from XXXX in XXXX XXXX, Florida and after three attempts from the ATM, it did not disperse and money, but yet showed that the transaction was completed. I went inside the bank to inform the tell, and she said that there was nothing they could do except contact the card company. 
So I called the card company ( Global cash card ) and they said that the only thing I could do was to file a claim, which would take up to three weeks. I explained to XXXX at Global cash company that I was in XXXX XXXX on business and I would only be there for a few days and the {$100.00} was for food, but it did seem to matter. 

XXXX XXXX manager name is XXXX, his ph # XXXX XXXX XXXX Global Cash Card ph. # XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I disputed items on my Experian Credit Report. The result where reported on XX/XX/2019, as deleted ( I HAVE THE COPY OF THE RESULTS ). Today, XX/XX/2019, Experian added all 3 items back claiming they just received the answer from the creditors that alleges the information is accurate. Not only this is way more than the 30 days they have by law under the Fair Credit Reporting Act, ( exactly 4 months after the dispute and 3 after the results ), they told me that my interpretation of the law is not right, meaning that those 30 days mean nothing!!!!!! They send me an alert like I just open a dispute on XX/XX/2019 with then against XXXX XXXX and XXXX, acct number XXXX, but that is not correct. My last dispute was on XX/XX/2019. XXXX from XXXX XXXX told me not only that I am incorrect regarding the 30 days under the Fair Credit Reporting Act, but also that Experian is not responsible for what it was reported, and they wont fix it. That is up to me to find a solution. She is not entitle to her own facts or interpretation of the law, nor is Experian. This items most be deleted from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going back over my credit report and looking at these two companies that has the same addresses and XXXX XXXX XXXX and about five different names they use which is very confusing, but they are still reporting a false account thats been deleted off my credit report three times and they keep reporting it every year and trying to get funds thats not owe to them which doesnt even exist its been deleted off my report! Ive disputed these accounts to the three credit bureaus and sent them a dispute letter as well which they never responded to me I have proof! I want this to stop being reported on there behalf because it seems to be XXXX  motivated because I have a XXXX person name I guess I really dont know Im just taking a wild guess or maybe they just are mean i dont know!
Product: Credit reporting or other personal consumer reports

My account with 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 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 my account 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 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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of Account Number XXXX on my credit report. As per 15 U.S. Code 1681s2, a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX has repeatedly reported false, misleading, and inaccurate information regarding this account, despite multiple dispute attempts on my end. 


I have repeatedly disputed this information, yet XXXX XXXX XXXX XXXX has continued to furnish knowingly inaccurate data to the credit bureaus. 
Failure to correct inaccurate information after being notified constitutes willful non-compliance with 15 U.S.C. 1681s-2 ( b ) and subjects XXXX XXXX XXXX XXXX to legal liability. 

Immediate Action Demanded : Immediately cease furnishing inaccurate information to any credit reporting agencies ( XXXX, XXXX, TransUnion ). 
Remove this account entirely from my credit report due to repeated violations of the FCRA. 
Provide written confirmation of the removal within 15 days of receiving this letter. 
Cease and desist all further reporting of this inaccurate information to consumer reporting agencies. 
Failure to comply will result in legal action against XXXX XXXX XXXX XXXX for FCRA violations, including but not limited to : Willful non-compliance with 15 U.S.C. 1681s-2 Knowingly furnishing false information to credit bureaus Defamation of credit character Damage to my creditworthiness due to misreporting If corrective action is not taken I will escalate this matter to the the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will pursue legal remedies for damages incurred due to your unlawful reporting practices. 

This letter serves as final notice before legal action is taken. I expect full compliance immediately
Product: Credit reporting or other personal consumer reports

There are three hard inquiries on my credit report that I have no idea where it came from XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They dont belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$350.00} I Reached out to my back for a refund on these fraudnlet charges and they wasn't able to get my money back
Product: Debt collection

I am getting multiple calls all day from a bill collector. I do not know who they are nor have I received anything in the mail. I asked them not to call me during my work, but they are ignoring. They wanted my credit card info and I refuse to give it to a complete stranger. They call me daily at least 3-5 times.
Product: Credit card

I applied for a Homedepot business commercial credit card, using ONLY my EIN and they pulled my personal credit without my permission. I was also denied the commercial card.
Product: Credit card or prepaid card

Calling me 5-6 times daily plus emails.
Product: Debt collection

This organization messaged me about debt. However, I am XXXX and have no financial obligation so I am certain I have no debt. In an attempt to frustrate them, I asked if they were real and that they should try scamming someone else. What they are doing is not ethical.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 received a call from a student loan company asking me about loans that I never had or applied for. Immediately, registered to XXXX to see my credit reports. I found other accounts that didn't belong to me. Here are the accounts that need to deleted from credit report : XXXX XXXX   XXXX {$5600.00} XXXX XXXX XXXX  XXXX XXXX {$12000.00} XXXX  XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$970.00} {$1100.00} {$2600.00} {$3500.00} {$3500.00} {$7000.00} {$5000.00} {$3400.00} {$3100.00} {$5500.00} {$660.00} XXXX XXXX XXXX XXXX XXXX {$160.00}
Product: Credit reporting or other personal consumer reports

My account was supposed to be in forbearance until XX/XX/year>. They lifted the forbearance early and did not notify me and now my account is past due. I spoke with XXXX people and no one knows how to fix the errors in reporting. The account is back in forbearance. Please remove the past due reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, BANK OF AMERICA add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Debt collection

Please see below requested for dispute with National Credit Systems- XXXX XXXX XXXX Report XXXX XXXX. Below you will find pictures of the state the townhome at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was left in upon end of lease. I have also provided the first inspection where we state that the townhome has obvious water damage prior to us moving in as well as the cabinets. These are all claims in the collections from XXXX XXXX claiming it happened during our tenancy, which is false. Also a yearly inspection was performed by XXXX XXXX the realtor who handled all business for XXXX XXXX. Every year the lease was renewed based on her inspections. XXXX XXXX nor XXXX XXXX showed up to the final walk through. They stated various times that our deposit was being returned and it had been mailed which was false. They kept our deposit of {$1300.00} for falsely claimed damages and reported collections for {$8000.00} more. This is not he first time these individuals have tried to commit this fraud attached you will find a review from another tenant stating this. I have tried to reach them as well as National Credit Systems to provide picture and receipt proof of these claimed damages which they have failed to provide in the last year. I demand this collections be removed from my account as no verification of the validity of these claims have been provided by XXXX XXXX, XXXX XXXX, National Credit Systems or XXXX. I demand to receive via mail or email photographic proof and receipts of the damages claimed to the property
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed recently that the Three credit reporting agencies show a new collection account XXXX XXXX XXXX XXXX XXXX the shows me delinquent on a XXXX XXXX XXXX card in the amount of {$250.00}. Ive never had a XXXX XXXX XXXX XXXX I've called XXXX XXXX XXXX and spoke with a representative and they agreed it's my name however not my address, ss # or any other of the information they could verify and said they would fix the issue. I wrote to them also, and just can't get anywhere with these folks. Please help! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On or around XX/XX/XXXX, I received a bill from Navient stating I owed payment for a student loan that I started paying in XXXX and final payment around XX/XX/XXXX. When I called Navient, they claim they just bought the loan back ( I was not notified that they ever Didn't own it ). They claimed they had absolutely no record of any payments maid for this loan. They advised I would have to provide a letter from them stating the loan was paid in full. I did not receive any such letter. The website showed what the final payment was and I paid it. They claim they would not have any record of sending this letter because they just bought the loan back and this is the amount outstanding. Originally the lender was Sallie Mae, and then Navient. I believe federal law requires such records be kept of payments made. They refuse to provide any documentation or information beyond XX/XX/XXXX. As I stated earlier I started repaying the loan upon my graduation in XXXX. They must have some record of payments. I don't want to keep getting told I owe more because the loan was sold. They should be able to provide information on all those payments I made on a monthly basis beginning back in XXXX.
Product: Credit reporting

In XX/XX/XXXX, I received my first notification letter from University XXXX XXXX XXXX XXXX ( XXXX ) saying they were holding a student loan of mine in the amount of {$9300.00}, which they said was going to be delinquent. I asked my Federal Loan Servicer XXXX XXXX to consolidate the loan a few days later. XXXX XXXX completed the Loan Consolidation in XX/XX/XXXX, which was the same month XXXX reported me delinquent to the Credit Bureau 's. XXXX broke the law.