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

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be known that at current time TransUnion is reporting incorrect and or unverifiable information on a account named XXXX XXXX  under account XXXX XXXX. This fictitious or incorrect information is violating the F.C.R.A. and due process of federal law and greatly depreciating my credit score. I previously filed a dispute with TransUnion and it was denied and my information on the account was verified. Hence, this complaint is being proffered and a copy of my XXXX credit 3 bureau report is incorporated herein for review so the errors can be ascertained. The errors are as follows :. 1. It should be known that this account was closed on XXXX as records show. Contrary, TransUnion is reporting that I was late 30 days in XXXX Of XXXX, late 30 days in XXXX Of XXXX, and late 60 days late in XXXX Of XXXXThe two late payments for XXXX.and XXXX of XXXX  are incorrect and wrong. This account was closed in XXXX Of XXXX. Once this account was closed, no further or future payment history can or should be reported. If the account is closed, you can not have any late payments because there is no more payments to be reported. I was never late in XXXX and XXXX Of XXXX  because this account was closed in XXXX.of XXXX. XXXX. Last payment date on TransUnion report says XXXX. Contrary on same report under payment history calendar it shows last payment made was in XXXX Of XXXX. XXXX. Finally, review the herein 3 bureau report and all 3 Credit bureaus are reporting 3 different late payment months for the XXXX late payments. TransUnion reports XXXX, XXXX, and XXXX as late. XXXX reports XXXX, XXXX, and XXXX as late. Then XXXX reports XXXX, XXXX, and XXXX.. Since all XXXX bureaus are reporting 3 different months for these 3 late payments, they all can't be correct and be verified as accurate.
Product: Debt collection

I have contacted XXXX XXXX XXXX on two occasions to resolve this inaccurate reporting to the three credit agencies. I have requested validation of this debt ( disputing the companies claim ). My two letters have gone without being answered which has equal to 60 days total.
Product: Checking or savings account

I am from XXXX and I own XXXX XXXX XXXX A person texted me from a us phone number saying they will come to XXXX for vacations and that they are interested in renting the cabins. He made a deposit on my US bank account for more money than i asked to, so he asked me to transfer the difference back. My account got blocked so I called us bank to ask the reason and they said it was because im not used to getting those amounts but that everything was ok and that I have the full amount in my account. The deposit was from what you can tell on Us bank app, in cash since it was fully available from the very biginning and did not say it was a pending check. My account was available again on monday XX/XX/XXXX and I made the XXXX transfer since us bank told me the money was on my account. Later that day another us phone number texts me asking for the same thing, then I assume there was something wrong so i called us bank telling the situation. They could not even tell me if it was cash or a check and after hours of being on the phone they tell me it was a check. Later that day I called again to Us bank asking how can Us bank accredit the full amount of a check in my account if the check is not even veryfied yet, and the fraud department tells me they looked up the check with the supervisor and told me i had nothing to worry about, that the check was verifyed and the money was on my account. Today I wake up and that money is gone, I called the fraud department and again after hours of calling they told me that YES it was a mistake on their part because the person that received the check at the US bank branch didnt do the right verification on the check and they just put the full amount available on my account, and said there is nothing they can do about it. I was like how can you tell me is your mistake and that because of that i lost XXXX and there is nothing you can do about it. They said " sorry, it was a busy day probably '' like if that makes it ok I lost my money.i would never transfer money back If I know it was a check and pending from approval, but US bank told me everything was ok, and all the sudden they took that money away from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put freezes on all 3 credit Bureaus within the past year and saved all of my documentation. 

I recently tested unlocking them for a short period of time to see if it was possible. Out of all 3, XXXX   and XXXX were able to temporarly unfreeze my credit. Equifax requires that I send a letter with personal information to them. I have also tried to contact them regarding this and have yet to reach a human.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX Has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act 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 according to 15 USC 168 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer Reporting agency shall - ( I ) promptly delete that item of information fromt the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted fromt the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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

Why I not receiving responses from the XXXX bureaus? I remember I send my dispute letters last month it's been 30 days and I NEVER received any response. Please make an action now or else I will file a case. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar Mortgage Acct # XXXX should no longer report on my file. All of my previous reports showed that this item would be removed from my credit report by XX/XX/2018. 

My current online reports now shows that they have removed that date and thus have re-aged this item. 

This reaging is a violation of the FCRA. 

Enclosed is print screen copy of my report from XX/XX/2018 showing the " On record until date of XX/XX/2018 ''. Also enclosed is a print screen copy of my current report no longer showing a remove by date.
Product: Debt collection

On XXXX 2018 I had a credit card with a limit of {$5000.00} dollars taken out under my account with Navy Federal Credit Union. I filed a police report and sent it out to all three major credit bureaus to resolve the issues and make progress to restore my credit in XXXX of this year. I also sent police report to Navy Federal but my claim was denied and I haven't received an answer to why. I have two other bank accounts that are open and didn't use my Navy Federal account which lead me to not have any knowledge of these fraudulent accounts for a while. Once I got the items removed from my credit report after about a month its showed back up on my reports.
Product: Credit reporting or other personal consumer reports

Reporting of inaccurate information and refusing to remove once disputed all hard inquiries were not made my me all late payments are false child support is being reports and debt is paid already
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$680.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$10000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$540.00} XXXX XXXX XXXX XXXX - XXXX - {$11000.00} XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX  - XXXX - {$480.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX  - XXXX - {$540.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$800.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX XXXX XXXX {$800.00} Late Payment XXXX XXXX XXXXXXXX XXXX {$400.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Also Known As : XXXX XXXX
Product: Mortgage

The mortgage servicer, Rocket Mortgage, is blocking a payoff. On their website it shows a balance due that includes the " second lien '' partial claim, and this is also shown on their statements. 
They refuse to show this on a payoff which leads me to believe that they do not want the customer to be able to pay them off. This also is an issue as it is a FDCPA and possibly a Reg X violation in terms of servicing the mortgage properly. 
In this case, the website shows a balance that includes the partial claim ( owned by HUD and serviced by XXXX ). The statements show the same. The payoff does not. This leads to consumer lack of clarity on process and is not a correct display of information. Rocket Mortgage shouldn't show the balance of the second in the total XXXX on their website and in their statements, but then choose not to do so on payoffs ( citing that the second is serviced by XXXX and owned by HUD ). This seems like a scheme to continue to collect money while payoffs are delayed. 
Lastly, I see no notice in the workout package signed with Quicken attached that XXXX would be servicing the second. This, indeed, is a workout package coordinated by Quicken and implies that Quicken ( now Rocket Mortgage ) will continue to be involved in the second 's balance due. I received no notification from anyone related to servicing of the second until XXXX provided a service transfer letter last week ( 4 weeks delayed into the payoff request process ). My selling and purchasing transactions are now in jeopardy as the payoff from XXXX has not yet been supplied.
Product: Debt collection

They have been calling numerous times during the day, everyday.They called at XXXX XXXX. and my fiance spoke to them and stated they were trying to contact a relative and would not state what the call was for, how they received my number, and requested the relative 's informatio
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions The Account NO. XXXX ( Bankruptcy ) I have attempted twice to remove this item with all XXXX credit bureaus. 
The account is inaccurate as well as violating my rights as a consumer.
Product: Checking or savings account

I opened a checking account with EtradeXXXX XXXX XXXX bank . 2 weeks ago my account was closed without warning. I have asked repeatedly for wire instructions on how to get these funds with nobody able to assist me. This is my only money and is used for my kids ' medical bills and household expenses.
Product: Credit reporting or other personal consumer reports

I wrote letters to the credit bureaus to reinvestigate these accounts, However, they stated everything was complete and accurate. Specifically, I asked for the original application bearing my signature as proof, which they have failed to provide. 

This situation is a clear violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681. The accounts in question, detailed below, infringe upon my rights to privacy and confidentiality as stipulated in the Act. 

Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my efforts to have these accounts reinvestigated by the Credit Bureau ( CB ) , their response was that the information was accurate. This is perplexing, especially when the open dates, dates of last activity, payment history and among other details, are evidently incorrect. Attached are screenshots as evidence of these discrepancies. According to 15 USC 1681i ( 15 ), there is an obligation to modify accounts that are inaccurately reported.

Furthermore, the following sections of the FCRA support my claim : 15 USC 1681 Section 602 A, which underscores my right to privacy.

15 USC 1781 604 Section 2.

15 USC 1681c ( a ) ( 5 ), which specifies the prohibitions on consumer reporting.

15 USC 1681 2 ( a ) ( 1 ), regarding the restrictions on furnishing consumer information.

Additionally, Experians practices appear non-compliant with the Metro 2 credit reporting standards. I have substantial evidence to support my claims and am prepared to present this if required. 

I seek your assistance in addressing this matter with all 3 credit bureaus to ensure that my consumer rights are upheld, and the inaccuracies in my credit report are duly rectified.
Product: Credit reporting or other personal consumer reports

I've identified incorrect details on my credit report, as stated in 15 USC 16c-2. This information seems inaccurate and is harming my credit standing.
Product: Credit reporting or other personal consumer reports

15 US CODE 1681A TITTLE definitionS RULES OF CONSTRUCTION PARAGRAPH 2 OF THSI TITTLE EXCLUSIONS AND SUB PARAGRAPH A SUBSECTION I STATES THAT TRANSACTIONS ARE NOT INCLUDED IN THE CONSUMER REPORT XXXX ACCOUNT XX/XX/XXXXXXXX ACCOUNT
Product: Mortgage

We applied for our loan back in XXXX 2016 with a loan officer and she left and no one called us to let us know she had left we called to to see what was wrong they said we got this to being XXXX the XXXX 2016 for signing and set appointments to no one called to let us know that they had not sent paperwork for closeting XXXX XXXX XXXX still no information I wish Cardnial financial had to deal with all they have put my family through and they are still not taken the Balme for anything Cardnial IF ANY ONE ASKED ME FOR INFORMATION ON YOUR COMPANY IM GOING TO TELL THEM NO NO LOOK SOMEWHERE ELSE
Product: Debt collection

I am contacting you regarding the letter received from Unifin XXXX XXXX XXXX XXXX XXXXXXXX XXXX dated XX/XX/XXXX in the alleged amount owed of {$25000.00}. I was given a timeframe of XX/XX/XXXX to reply and hereby am sending my reply via CFPB because this debt was deleted and discharged due to identity theft in XXXX. This was a part of my identity theft case and the XXXX Police report and Federal Trade Commission Affidavit has been attached for the view and records. The account shows reference # XXXX and original account ending in XXXX Current creditor XXXX XXXX XXXX and original creditor XXXX XXXX XXXX XXXX XXXX 

I have no known knowledge of this account and again I was a victim of Identity theft. I am requesting that they adhere to the laws regarding debts and identity theft and cease all communication and collections. Also this debt has reached it's statue of limitations for the state of GA. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres inaccurate information in the bankruptcy files by Lexis , Nexis and XXXX XXXX both companies I have called and tried to dispute online and I have not been able to The name XXXX XXXX XXXX not belonging to me XXXX XXXX or my wife XXXX XXXX. it is in accurate reporting so I want the file removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX card couldnt settle the account cause it was transferred to XXXX XXXX. XXXX XXXX took the payment and settled on this account. Was being reported as paid charge off on XX/XX/18 now on XX/XX/18 saying charge off again. Please update as paid charge off settled in full XXXX bal. XXXX # XXXX
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Student loan

I had been out of work for a while. And they would constantly call and harass me for money. even went so far as to ask me to ask someone else for money. i think the interest rates are outrageous. XXXX is at least XXXX %, also the school I owe money to has been shut down. So i do n't believe that i should repay them.
Product: Debt collection

On or about XX/XX/2021 I filed online to terminate services with XXXX XXXX XXXX Thereafter I returned the equipment ( cable box ). Several times in XXXX and XX/XX/2021 ( on four ( 4 ) separate occasions ) I communicated directly with personnel from XXXX all of whom agreed over the phone that I did not owe anything further and would make the appropriate adjustment to the account. Since that time XXXX has forwarded the account for collection to XXXX XXXX XXXX who has now damaged my credit report by filing a report claiming I owe {$350.00}.
Product: Debt collection

FALSE STATEMENT AND ATTEMPT TO COLLECT DEBT WITH WRONG PERSON XXXX said i had an account with account number XXXX and as of XX/XX/2017, they said i owed {$160.00} between XX/XX/2017 and today. 

I called them and said that's not possible because i started residing in US on XX/XX/2017 and when i arrived here my first operator was XXXX XXXX XXXX not XXXX. They got the wrong person. None in their customer service can't fixed this. They just reported me by increasing the debt to {$210.00}. 

I CUT THE LETTER ATTACHED TO DISPUTED BUT IT RETURNED TO ME. NOBODY LISTEN OR TRY TO FIX THIS MISTAKE. I CAN'T PAY FOR SERVICES I DID NOT USE. 

My phone number was XXXX and i started using it on XX/XX/2017. They are charging by error from XX/XX/2017 which is the period that i didn't have XXXX and also was not in XXXX XXXX XXXX XXXX 

Also, i joined XXXX around XXXX but not on or before 2017. So how is it possible that i owed XXXX? 

I want XXXX  to correct this information and clean my name. 

They must found the exact person. Is very unprofessional. I asked them to tell me when i joined XXXX they just ran away. 

I called the collector EOS CCA and XXXX but no success. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$5900.00}