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

Good morning & happy Saturday! - How are you doing? I was shocked today when I reviewed my credit report today and found late payment remarks for my 10-15 student loan for XXXX. I've already disputed these accounts and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate - These accounts are illegally reporting on my credit report or profile. For example, hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly by cfpb before. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account listed on my credit report that is completely unknown to me. This account does not belong to me, and it appears to be a case of mixed data.
Product: Debt collection

XXXX is harassing me about a bill medical bill for a XXXX XXXX that I no longer use at the time I XXXX XXXX have XXXX which pays for all medical expenses my bill should be XXXX $ now Im getting phone calls daily from simmassociates a debt collector I need this dispute asap please bill is over XXXX $
Product: Credit reporting or other personal consumer reports

ALL THREE REPORTING COMPANYS WILL NOT REMOVE ITEMS THAT I REQUEST TO BE REMOVED ACCOUNTS THAT I DONT USE OR THAT I DONT WANT ON MY REPORT... EITHER THEY UPDATE NUMBERS AND THEY ADD ANOTHER YEAR TO BE LEFT ON MY REPORT AND THEY WILL NOT REMOVE ANYTHING I HAVE A FRAUD AND FREEZE CAUSE OF THE CREDIT BREACH AND MY CREDIT WAS AFFECTED. THEY WONT DELETE NOTHING CREDIT INQUIRYS I DIDNT DO AND THEY WONT DELETE BUT CHANGE DATES AND SO IT CAN BE LEFT ON MY REPORT LONGER. I HAVE ASKED MANY MANY TMES TO DELETE ACCOUNTS THAT I DONT HAVE OR USE AND THEY WONT
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  # XXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that the following companies have obtained a copy of my credit report without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Attempted to establish service with XXXX. Was then told I had a prior balance. I paid balance. I get a notification from my credit monitor that ERC has a collection account for XXXX. ERC never sent any communication about collecting debt or taking action. I never paid ERC, I paid XXXX.
Product: Credit reporting or other personal consumer reports

Transunion continues to report inaccurate information in regards to the XXXX account that remains on my credit report. Transunion is not being held responsible and there is evidence they have refused to do proper investigations. I'm entitled to $ {$1000.00} per inaccurate information they continue to report and refuse to delete. The Law must be enforced and I'm entitled to a minimum of {$10000.00} and don't allow them to submit another computer generated stall tactic. An account must be deleted 7 years after the first mist payment which was XX/XX/year> and should have been deleted in XX/XX/year>. Per the FCRA XXXX can't continue to update a closed account that continues to damage a credit score. They are in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. I wan them deleted off my credit report. I've disputed this information with the credit bureaus and they are refusing. This is a cease and desist. According to 15 USC 16 96 G I'm entitled to validation as the keep stating I have an account with their company as I have never never done any business with this company. I would also like to see my signature on this account guaranteeing I would pay this creditor. They are stating I owe them a debt and I have yet to receive a validation of debt which is mentioned above. I have repeatedly asked for this company to delete this information from my credit report and they have refused. I have asked for validation of debt and they have yet to provide any according to the information provided above. I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation. They needs to delete any and all information that is related to me and if they refuse I will use all laws applicable to me and sue. They are stating this is a charge off in which I should have received a 1099 and reported to the IRS.
Product: Credit card or prepaid card

Someone applied for an American Express Card using my information. It came up on my credit report today.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this dispute because several fraudulent accounts and inaccurate information are being reported on my credit report. These accounts do not belong to me and are the result of identity theft. Despite repeated disputes with Experian, XXXX, and XXXX, no meaningful investigation has been conducted, and the accounts remain on my report. 

The accounts I am disputing include : 1. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) This account reflects a balance of {$1300.00} as of XX/XX/XXXX and a history of late payments, but it is not mine. 
XXXX. XXXXXXXX XXXX XXXX ( Account # XXXX ) This account shows a balance of {$830.00} as of XX/XX/XXXX. It was closed at the credit grantors request, but I have no connection to this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) Multiple accounts from XXXX  XXXX XXXX are being reported inaccurately. 
XXXX. XXXXXXXX XXXX XXXX XXXX ( Account # XXXX ) This account shows a charge-off of {$5100.00} as of XX/XX/XXXX. I did not open or authorize this account. 
XXXX. XXXX XXXXXXXX XXXX XXXX Account ( Account # XXXX ) This account reports a balance of {$2200.00} as of XX/XX/XXXX, tied to XXXX XXXX XXXX. I have no knowledge of this account or its origin. 
XXXX. XXXX XXXX Collection Account ( Account # XXXX ) This account reflects a balance of {$1000.00} as of XX/XX/XXXX, which is fraudulent. 

I have disputed these accounts with all three credit bureaus multiple times, but their investigations were incomplete or nonexistent. Each time, the disputes were closed without a proper resolution, and the accounts remain, damaging my credit profile. 

Fair Resolution : 1. Immediate Removal : All the above accounts should be removed from my credit report across all credit bureaus. 
2. Correction of Credit Score : The removal of these accounts should positively reflect on my credit score, restoring it to an accurate state. 
3. Written Confirmation : I request written confirmation from each credit bureau once these accounts are removed.

4. Thorough Investigation : I urge the CFPB to oversee a proper investigation to ensure no other fraudulent accounts are associated with my identity. 

I have attached supporting documentation, including details of previous disputes and evidence of identity theft, to assist in resolving this matter. 

Thank you for your prompt attention to this issue. I trust that the CFPB will ensure a fair and thorough resolution. 

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

I have recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. Beginning XXXX XXXX 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file
Product: Debt collection

I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 XXXX/XXXX/15 XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and PHEAA / XXXXXXXX XXXX XXXXXXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the reporting and subsequent dispute handling of my credit information. 

Despite multiple disputes, specifically submitted on XX/XX/24 and XX/XX/24, the trade line for PHEAA / XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Account Number XXXX, continues to be inaccurately reported on my credit report maintained by XXXX. This trade line fails to reflect the original 180 days late status and has remained on my credit report beyond the period allowed by the FCRA, specifically 7 years and 180 days from the date of the first delinquency. 

I also called XXXX XXXX XXXX XXXXXXXX directly, however the phone listed for contact on my credit report is disconnected. 

Furthermore, the persistent inaccuracy of this trade line and the refusal to correct or delete it after ample notification severely undermines the integrity of my credit report and significantly impacts my financial well-being. This situation represents a clear violation of the FCRA, which mandates the reporting of accurate and complete credit information and prescribes specific timeframes for negative information to remain on a consumers credit report. 

My repeated attempts to resolve this matter directly with XXXX and PHEAA / XXXX XXXX XXXX XXXXXXXX XXXX have been met with inadequate responses and a failure to take corrective action as required by law. Enclosed with this letter, please find copies of the disputes submitted, correspondence received in response, and any other relevant documentation illustrating my attempts to rectify this issue and the non-compliance of the involved parties. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and facilitate the deletion of the inaccurately reported trade line in accordance with the FCRA. Your intervention is crucial in ensuring that my rights as a consumer are protected and that credit reporting practices adhere to the legal standards set forth by the FCRA. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX Enclosures : XXXX Credit Report, Loan transfer payoff from original lender,
Product: Mortgage

MR. COOPER needed to be federally investigated for making unreasonable hikes to ESCROW accounts with possible intention of having access to more unauthorized liquified funds or forcing consumers to sell or refinance their mortgage, which also serve the same intention they are seeking.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Account AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau Name ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ Credit Bureau EQUIFAX ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX account ( XXXX ) Date Opened/ Reported XX/XX/XXXX XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. 

I also believe that the actions of [ Credit Bureau EQUIFAX ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Trafficking-Debt Final Rule ( 1002.142 ( b ) ( 4 ) 1002.142 ( b ) ( 7 ) ), I am requesting the removal of certain information from my credit report. As a victim of debt bondage resulting from human trafficking, I have obtained the necessary documentation and a letter from an advocacy group supporting my case.

Please block and delete the following information from my credit report within four business days, as stipulated by Section 605C of the Fair Credit Reporting Act : XXXX XXXX XXXX balance {$880.00} Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an investigation into the inaccurate information reported by Capital One on my credit reports. The accounts in question, held with Capital One, have been paid in full, and the continued presence of these accounts on my credit reports is having a significantly negative impact on my creditworthiness. 

The payments were made in accordance with the agreed-upon terms, and the accounts were subsequently closed in good standing. 

It has come to my attention that the inaccurate reporting by Capital One has resulted in a lower credit score, affecting my ability to secure favorable interest rates and obtain credit for various financial endeavors. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ) as it inaccurately reflects my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time in my absence somebody gained access to my personal information. Someone made Unauthorized transactions using my American Express credit card. I did not have access to my account in XXXX XXXX it does not work so there was no way I could make those transactions. I contacted the financial institution. to inform them of this situation. American Express customer service department told me that they would investigate and notify me once they had their outcome of the investigation. As of XXXX, the XXXX XXXX I have not received any e-mail or regular mail regarding this situation the account Remains Open as I pay down the balance. There has been no reversal of the fraudulent transactions. I sent in all my supporting documents. I would like for American Express to reverse the fraudulent transactions and place my account back in a positive status I think that would be the correct resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a car accident, my car was a total loss and it was paid by XXXX  XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from XXXX XXXX for XXXX. 

The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report! 

No one will help me rectify this and XXXX has been less than helpful as well as the 3 bureaus. 

I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to verify my identity with theXX/XX/XXXX as requested to be able to withdraw my crypto from my account, now the app just says we received your documents and will review within a day but not updates for almost a month now. I created multiple tickets with support and was told there i submitted expired id so identity was not verified and I should be able to resubmit but I'm not able to and they are telling me is no resolution available. This is unacceptable, I have valid identity documents I can provide and I want to withdraw the crypto with I have purchased from XX/XX/XXXXand legally have the rights to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account with XXXX XXXX XXXX for a auto loan taken out in 2012. I had 1 missed payment and voluntarily returned the car. My report still shows current but is reporting up to 24 missed payments totaling $ XXXX due now. I believe this debt is a charge off but is reporting monthly to damage my credit history and by therefore keeping me at a higher interest rate. Please help me correct this intentional injustice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely dissatisfied with the companies response in a previous complaint. Mr XXXX not only made no attempt to correct their errors on my credit files, they actually did hard inquiry credit checks on my file on XX/XX/2018 WITHOUT my knowledge or consent. I mailed a certified letter to their interim CEO Mr. XXXX XXXX XX/XX/2018 as well. I am requesting that your division still support my rights in this situation until it is taken care of. 

It has been over 30 days since I mailed the last certified letter, I received no response and the illegal credit inquiry that they made still remains on my credit file.
Product: Credit reporting or other personal consumer reports

I am unable to request for my free reports online and unfreeze/freeze my credit myself. I will always get the need to contact customer service screen and it takes hours to get connected and the automated answering machine does not recognize me. It should not be such a barrier to get my own data. 

I attempted this XXXX XXXX XXXX XXXXXX/XX/XXXX