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

To Whom It May Concern, I understand the Fair Credit Reporting Act entitles me to challenge any erroneous information in my credit report. As a responsible consumer, I take this matter seriously. However, I am disappointed to see allegations of delinquency and derogatory information on my report, which are entirely false. I request that you provide evidence supporting why my accounts are considered to be in a negative state. It is crucial to follow the law 's mandate that all information be documented and validated before creditors can utilize it. I'm concerned you are not fulfilling your responsibilities, and I urge you to rectify this issue as soon as possible. 

XXXX - XXXX This is completely inaccurate. - You have violated U.S. Code 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports. According to this law, a consumer reporting agency may only provide a consumer report under specific conditions, including having the written consent of the consumer in question. I never provided such written authorization for any information to be included in my consumer report. As a consumer, I demand the immediate removal of the accounts listed in this letter. If this is not done, I will pursue monetary damages through small claims court in my city and state. Additionally, we have already filed a complaint with the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX - XXXX I believe this collection is reporting inaccurately. - By 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In this case, this account is reported with a lot of missing information. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. 

XXXX XXXX - XXXX I believe this collection is reporting inaccurately. - By 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In this case, this account is reported with a lot of missing information. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims.
Product: Debt collection

Disputed XXXX XXXX XXXX  account multiple times through Experian havent gotten any results come here to provide proof and get these accounts removed from my credit report not fair that its effecting me when i never owned these accounts
Product: Credit reporting, credit repair services, 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 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 from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX / XXXX / {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received and inquiry for wells forgot bank I never applied for this bank loan or have a bank either
Product: Debt or credit management

Experian, XXXX XXXX XXXX are reporting XXXX  Hard inquiries on my credit report. I am currently in XXXX  XXXX Bankruptcy and did not apply for any credit with these companies. I have contacted each bureau and requested the removal of all inquiries. I have filed for a theft of my identity. I have contacted my Attorney regarding this issue, and was advised to call three credit bureaus to informed them of the breach. I started this process on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reported on numerous occasions that i have infomration on my credit account. Fraudlent activity relating to accounts, Equifax now has confrimed that all of my personal infmation was involved in a big data breach and my personal infomation was compermised. ( social, bithday name etc.

I have requested to have items removed it is affecting my credit, they have not removed them off of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the company UPLIFT that i never have an account with them and i want this account to be deleted from my report way before they and they said it was not going to my consumer report and upon checking my report this i see the company send three accounts in my consumer report. 
XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX AND XXXX ) XXXX.
Product: Credit card

On XX/XX/year>, I submitted a payment at the bank 's online website. The payment was scheduled for XX/XX/XXXX, the payment due date. XX/XX/XXXX was a normal business day - a Tuesday. The amount was {$300.00}, the full balance on the XX/XX/XXXX statement. On XX/XX/XXXX, the bank acknowledged my payment submission with its reference XXXX. On XX/XX/XXXX- a day after the payment was scheduled by the bank itself, the bank sent me an email stating that my account was past due, the payment not having been received. Obviously, the bank 's data system failed.
Product: Credit card

When paying off my final payment after closing my account with Capitol One, the customer service rep asked if I wanted to round up to the next whole dollar amount.
Product: Credit card or prepaid card

Hi, I had a credit card and car insurance from XXXX XXXX XXXX. I barely use the credit card. When I was due to pay my car insurance I sent the money to credit card by mistake. I ask my bank to get the money back, same time I had sent the same amount to insurance. My bank ( XXXX XXXX  ) wrote back to me that ; need more information 's, which I don't have. This happened more than year ago. Since then I'm trying to get this money back. I talked to numerous people on the phone, I went to local XXXX XXXX  office I haven't successful to get my money back. None of them locate my account. What I understand is that when this happening, US Bank took over the XXXX XXXX Credit card division. And neither company can find my account. All of the people I talked, tried to access the account with XXXX, Credit Card number, date of birth, nowhere to find the account. I would like you to help me. I attached the all the documents. Thank you very much.
Product: Mortgage

In XXXX of 2010 my mother in law passed away still owing a mortgage on her house. The house was left in a trust, the beneficiary being her son, my husband. 

For the last 8 years we've struggled to communicate with the mortgage company because we're not 'authorized ' to speak on behalf of the mortgage. We make the payments and claim the mortgage interest and real estate taxes every year. 

My husband is on the deed. After my mother in law passed away the attorney filed a new deed with his name with the county. 

We've faxed the trust, the death certificate and a copy of the deed to the mortgage company and again to the company who took over servicing the loan. 

They will not talk to us. Still. After reviewing all the documents. They will not discharge my deceased mother in law so we can refinance the house in our names. It's been 8 years. I'm tired of fighting with them. 

Every month they send someone to the house to take a picture of it and make contact with us to ensure someone is living in the home. 

They refuse to tell us why. 

Can you help? 

Clearly we have demonstrated an interest in the property, we've paid for it for the last 8 years and my husband 's name is on the deed. 

They keep saying they need a fiduciary statement. The registry of deeds and our lawyer said because the house was in a trust it never had to go to probate, therefore a fiduciary statement will never exist. 

They are making this impossible. 

What options do we have?
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an erroneous collection account reported by XXXX in the amount of {$1200.00} on my credit report. This account is not mine, and I believe it to be associated with my ex-spouse. I have not been with XXXX since XXXX and am currently a customer of XXXX. Therefore, I am not responsible for this bill. Details of the Disputed Account : Creditor : XXXX XXXX : {$1200.00} The presence of this inaccurate information on my credit report is unjust and has negatively affected my credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incorrect information on my credit report and expect the information to be corrected or removed if found to be inaccurate. I kindly request the Consumer Financial Protection Bureau to investigate this matter and have this erroneous account removed from my credit report. I have attached copies of the following documents to support my claim : Proof of my identity ( Drivers License, Social Security Card ) Current XXXX  bill I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with an update on the status of your investigation. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 16815-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was sent this from Experian. Now someone tell me how can they report scores on my credit if they don't know who I am. Now try to contact them through their response. 
Member ID # XXXX XXXX XXXX XXXX, We were unable to honor your recent request because you did not provide sufficient or legible identification information for us to verify your identity. 

Please send proof of your Social Security number, such as a copy of your Social Security card or a document from the Social Security XXXX that displays your name along with your Social Security number. In addition, we will need all of the following information : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and XXXX copy of a current utility bill, bank or insurance statement, etc. 
Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. 

List any information that you would like to dispute, and tell us specifically why you believe the information is not accurate. 

To protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every XXXX days upon log in. No credit card required. Start Here! 

PLEASE DO NOT REPLY TO THIS MESSAGE This notice is systemically generated, and we can not receive responses. 

Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc. Other product and company names mentioned herein are the property of their respective owners. 

Privacy Policy Contact Us
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my consumer report regarding an account with XXXX XXXX. Specifically, I am requesting verification of the original instrument of indebtedness associated with this account, as required under 12 U.S.C. 83, which states that no national bank shall make a loan or discount on the security of the shares of its own capital stock.

Under 12 U.S.C. 83, financial institutions are prohibited from securing loans or discounts using their own capital stock as collateral. Therefore, I am requesting the Consumer Reporting Agency to ask the financial institution to provide Proof of the Original Instrument of Indebtedness that supports the validity and accuracy of the debt being reported.

REQUEST ACTION : I request that the Consumer Reporting Agency take the following steps to resolve this dispute : Verification of Debt : Please request the financial institution to provide valid and legally enforceable documentation, including the Original Instrument of Indebtedness, to confirm that the reported account was not issued in violation of 12 U.S.C. 83. 

Removal of Inaccurate Information : If the XXXX XXXX is unable to provide sufficient proof of the original debt instrument, I request the immediate removal of the account from my consumer report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure the accuracy and fairness of the information reported.

Provision of Supporting Documents : Additionally, I request copies of all supporting documentation used to verify the accuracy of the account information, including any loan agreements, contracts, or financial instruments that prove compliance with 12 U.S.C. 83.

Compliance with FCRA : As you are aware, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy in the information contained in consumer reports. Without proof of the original debt instrument, the reporting of this account is both inaccurate and incomplete, in violation of the FCRAs accuracy requirements.

Please confirm receipt of this letter and provide me with a detailed response regarding the steps that will be taken to verify the disputed account information. I expect a prompt investigation and resolution in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, PHH Mortgage became my new servicer. I have appealed to Ocwen to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. PHH refuses to correct this information because they said they were not my servicer during this period. I need Ocwen to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.
Product: Checking or savings account

I am writing to formally express my deep dissatisfaction with the handling of my dispute involving two payments of {$50.00} each, made to XXXX XXXX on XX/XX/2023, for a service that was never rendered. 

Upon realizing that I would not receive the services I had paid for, I promptly requested a refund from XXXX XXXX. She assured me verbally and in written correspondence that she would process the refund. However, despite her assurances, she failed to return the funds to my account. 

In my pursuit of resolving this matter, I reached out to Suncoast Credit Union, my financial institution, and provided all relevant details. I requested to include the correspondence from XXXX XXXX confirming her agreement to refund me. I was taken aback when my dispute was denied, with the reason given being that the transaction was executed via XXXX XXXX, and as such, I should adhere to XXXX XXXX  terms of service. 

I would like to point out, as per XXXX XXXX 's terms and conditions under section " 5. Dispute Resolution, '' that dispute resolution rights are determined by the funding source used for the transaction. The terms explicitly mention, " Your dispute resolution rights are determined by the funding source used to fund the applicable transaction. '' In this case, Suncoast Credit Union is the funding source for my account. 

I am deeply disappointed by the oversight and misinterpretation of both the XXXX XXXX 's policy and Suncoast Credit Union 's own dispute resolution procedures. As a loyal member of Suncoast Credit Union, I had confidence that my concerns would be addressed with care, precision, and fairness. 

To rectify this situation, I kindly request the following : A comprehensive review of my dispute, taking into consideration the evidence. Suncoast has not allowed me to submit any documents including the correspondence from XXXX XXXX. 
Based on the dispute resolution rights of Suncoast Credit Union, I request a resolution that aligns with my rightful claim. 
A formal acknowledgment of this complaint and assurance that steps will be taken to prevent such oversight in the future, ensuring that other customers do not encounter similar difficulties.
Product: Debt collection

Reliant Capital Solutions contacted a relative via text message as if they were addressing me stating my name, stating they are a debt collector telling them that I had business in their office. The debt collector also asked them for payment to be made on their website and gave that relative my file number to access that account. I called the company and asked them to remove the number they are contacting from my account and that I will be submitting this report since they contacted someone related to me and told them it was for a debt and gave them my account information.
Product: Student loan

In  XXXX , I applied for a  Bar Loan t hrough  XXXX  know  Navient. I r eceived the loan in the amount of {$15000.00}. Later in  XXXX , I paid a lump sum in the amount of {$5000.00}. Afterwards, I made reduced payments under the reduced payment and interest plan for about 3 years. According to the billing statement received  XX/XX/XXXX , I owe {$14000.00}.  <P/> Also, at the latter part o f  XX/XX/XXXX , I s poke with representatives to re-certify for the reduced payment and interest plan. I was informed by multiple representatives that I did not qualify. However, in  XXXX  the automatic payments for the reduced payment and interest plan were still being deducted from my bank account in the amount of {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  damage my credit. They claim to give me service on a address that I never live before, XXXX XXXX XXXX XXXX FL XXXX. When I call them to, inf. They have the wrong person they ask me my address, I give them, my address and know they are sending me letters with a balance {$380.00} and opend a bad report in XXXX   credit report. 

Collections are accounts that are seriously overdue and may have been turned over to a collection agency. 

Account Name WAYPOINT RESOURCE GROUXXXX XXXX Creditor XXXX XXXX Open Date XX/XX/2018 Balance {$380.00} Debt {$380.00} Contact Information XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I'm sending the CFPB another another complaint. I was a victim of identity theft once more, and this is my sixth CFPB complaint requesting to block or erase the data from my credit file that was obtained as a consequence of the fraud. The Credit Reporting Agencies must delete any accounts in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which must happen no later than 4 business days following XX/XX/XXXX, the date of the dispute letter I just sent. I had already shared this report in my CFPB complaints, and I am submitting it once more. Additionally, I have my questions regarding the authenticity of the information some credit agencies gave on some accounts because it was REMOVED from other bureaus and was UNKNOWN to me. This letter is to let the credit bureaus know that I will be suing them if they do not REMOVE the specified accounts from my record. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate disobedience. This is the LAST WARNING for you. The allegedly stolen accounts should be REMOVED, thank you. The following accounts need to be deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX