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

I am contacting you in reference to my XXXX XXXX ACCOUNT account. I have implemented significant changes and gained valuable insights. Presently, I am responsible for tending to my ailing mother and looking after my XXXX children. Despite these obligations, I remain dedicated to my military service and enhancing my financial standing. I am writing to discuss discrepancies in my credit reports from XXXX, TransUnion, and XXXX. " PAYMENT HISTORY BEING INCONSISTENT '' The presence of a collections account on my credit report is hindering my ability to purchase a home, secure essential loans like refinancing, cover my mother 's medical expenses, and acquire a vehicle due to my current non-operational car. Furthermore, this situation has caused significant challenges for me, particularly as a service member with a security clearance that necessitates " financial stability. '' Despite having settled the account in full, it continues to negatively impact my credit. I respectfully request that you consider removing this account from my credit reports ( TransUnion, XXXX, and XXXX ) to assist me in achieving financial stability. I am deeply disappointed with the unhelpful response from the representative in the credit bureau XXXX XXXX department. Despite providing supporting documentation and requesting a re-investigation, we were met with the same dismissive response. As a service member, we expected better treatment and a more thorough review of our case. We hope for a prompt resolution to this matter and look forward to your urgent attention. Thank you for your assistance. If you have any questions or concerns, please do not hesitate to call.
Product: Mortgage

Ocwen has a copy of an allonge on their website which I have never seen before. Ocwen did not become our servicer until XX/XX/XXXX, but the allonge is signed by a XXXX XXXX as VP of XXXX XXXX XXXX with the loan number that was assigned to us by Ocwen in XX/XX/XXXX. The allonge is dated XX/XX/XXXX, same day as the closing date of our loan. XXXX XXXX has been with XXXX XXXX for 10 years, XX/XX/XXXX to present. We examined our loan file on XX/XX/XXXX and this document was not part of our original loan file.
Product: Credit reporting or other personal consumer reports

Equifax, and XXXX has been violating my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am seeking {$1000.00} per violation for : Damages for a Willful Violation 15 U.S. Code 1681n - Civil liability for willful noncompliance Damages for a Negligent Violation 15 U.S.C. 1681o I asked several times for my credit report to be properly reported, and my demands have been neglected. In my most recent credit dispute, i specifically highlighted the accounts i was disputing, but instead Equifax, and XXXX deleted other positive accounts that i did not include in my dispute, and verified the accounts i disputed as accurate, without a complete report. They Deleted my XXXX XXXX XXXX XXXX XXXX auto loan accounts which I've had for at lease 4 years, over 7 years for my auto loan account. I have asked several times for proof of investigation, and proof of method of verification, and also my demands have been ignored or neglected. They are willingly neglecting me, damaging my image and personality by improperly reporting my credit, and getting me denied for applications. I was recently denied a rental application because of this. I am unable to obtain any other items because I get told I don't have any old accounts on my credit, and it has tremendously affected my life, to the point my family and I are homeless. I am seeking {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by Chase credit card company. I called the Chase credit card company and chase did not comply with my actions. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

The inquiries on my credit XXXX report : XX/XX/2018, XX/XX/2018, XX/XX/2018
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

2. The wrong amount is being reported XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The wrong amount is being reported XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Student loan

I was granted a school loan and XXXX but was having difficulties finding a job related to my profession. I did n't have job stability and was barely able to keep up with everyday bills. I 'm at a stable financial position where I can now start paying back what was loaned
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made without my authorization, and I am requesting their immediate removal from my credit report. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer credit report : After numerous attempts to try and resolve erroneous reporting on my credit report. I am left no choice but to escalate these matters. 
Experian, XXXX  and XXXX  continue to report inaccurate public information on my credit. 
As a victim of Identity fraud. I have been working diligently to correct any misrepresentations on my credit report. 

The issues at hand involves a Dismissed chapter XXXX bankruptcy case on my report. I have looked this over and have found many inaccuracies with the reporting among the three above mentioned companies. 
The reporting date for this matter is XX/XX/2019 Therefore under the CFPB guidelines afford to me. I am asking that this be removed from my account for each agency. 



Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX  actions may also contravene the Consumer Financial Protection Act ( CFRPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

On XX/XX/23 I received a bill in the mail from Citizens World for an account that I never applied for. I called the number on the bill and was informed that an application was done online for the account on XX/XX/23. They of course closed the account for me on XX/XX/23. They asked if I was sent a credit card. I have not received one in the mail as of yet. They informed me that all my personal information was used for the application. As of now blocks have been added to the credit reporting agencies and was also asked to proceed with this process as well.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/2024 I received a letter from LexisNexis through CFPB stating I did not provide identity information in my original complaint. I provided my SSN which is linked to LexisNexis and the internal case number with LexisNexis. I called LexisNexis regarding the email I received on XX/XX/XXXX claiming they could not verify my identity to file another complaint as I am FULLY verified. LexisNexis has my identity information. If you do not have my identity information how would the entity be able to comply with reporting information to XXXX XXXX XXXXXXXX? My original request stands, all invalid information in their system my be updated as soon as possible, I went through every page of inaccurate information on myself and my business with the rep from the business report sent to me that was sent to XXXX XXXX XXXXXXXX. XXXX parties providing ANY information to banks should be accurate at all times.
Product: Credit reporting

All XXXX reporting companies ( Equifax, XXXX, XXXX ) currently report XXXX revolving credit accounts as open when they are in fact closed and have been for at least one year. 
These are listed as XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to file a formal complaint regarding several inaccuracies on my credit report that are negatively impacting my credit score. Despite my persistent efforts to resolve this issue directly with the reporting agency, it remains unresolved. I request an immediate investigation and removal of the following incorrect items, as they do not accurately reflect my true credit history : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX  Date : XX/XX/XXXX Amount : {$2200.00} XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$770.00} XXXX Card XXXX XXXX XXXX {$3200.00} XXXX XXXX  Date : XX/XX/XXXX Amount : {$210.00} I am confident that these items are erroneous and do not reflect my true creditworthiness. I kindly request that your agency conducts a thorough review and takes the necessary steps to correct these inaccuracies promptly. The continued presence of these inaccurate items on my credit report is causing undue harm to my financial reputation and credit score.

Please acknowledge receipt of this complaint and inform me of the steps that will be taken to rectify these errors. I appreciate your immediate attention to this matter and look forward to a swift resolution. 
Thank you for your cooperation.
Product: Credit reporting 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. 

I told the XXXX, Transunion, and XXXX, XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions
Product: Credit reporting

Inaccurate information is reporting on my consumer report.. Please consider this dispute & formal request under the FCRA, to provide a copy of the verifiable original creditor documentation to the following inaccurate accounts and/or information ; 1 ) XXXX is NOT my account 2 ) XXXX is NOT my account 3 ) XXXX is NOT my account 4 ) XXXX is NOT my account 5 ) XXXX NEVER KNOWN BY THIS NAME 6 ) XXXX NEVER KNOWN BY THIS NAME 7 ) XXXX NEVER KNOWN BY THIS NAME 8 ) XXXX I never lived at this address 9 ) XXXX I never lived at this address 10 ) XXXX I never lived at this address 11 ) XXXX I never lived at this address 12 ) XXXX I never lived at this address Experian 's failure to positively verify these accounts have damaged my credit, life, liberty & pursuit for happiness.
Product: Credit reporting or other personal consumer reports

I urge you to formally dispute a hard inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an unauthorized hard inquiry listed under my name that has no permission by me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX 2. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

3. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

4. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and remove the late payment. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

After carefully reviewing my credit profile, there are fraudulent accounts showing on my credit report. I am a victim of identity theft and ask that ALL items be removed and deleted off my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 requesting the credit bureaus to investigate every detail of information reporting for the accounts I have listed in the letter attached to this complaint. Along with the attached letter are the receipts from the U.S. Postal Service XXXX MAIL. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation to the law? After waiting for a response to my investigation request letter, an extensive period of 30+ days have passed and no actions or effort to respond have been made by the consumer reporting agencies. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. I also have an itemized explanation stating my balances are 100 % paid or fulfilled. Not only is the credit reporting agency prohibited to report my medical information, the reporting details are inaccurate and have caused damage to my identity alongside severe stress, pain, and XXXX personally and for my family. This is ground for removal and they have also violated my rights under 15 U.S.C 1681 ( a ) ( 4 ) States that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C 1681a ( d ) ( 3 ) States the restrictions on sharing the consumer 's medical information.

15 U.S.C 1681b ( a ) ( 2 ) Also states a consumer reporting agency can not furnish an account without my written instructions and consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex cheating girlfriend wrecked her old XXXX XXXX and it broke her leg from collision long time ago. She wanted a new motorcycle she could not buy it with ruined credit scores so I was stupid kindly co signed a 2008 XXXX XXXX for her just to make her happy but then she screwed me over and deceived me she rode off with her several trashy secret lovers. 
She removed my co owner 's ship on the bike and added it to her new boyfriend 's name. I need these unwanted information stored on my credit reports removed. All they do is causing me to have money damages and ruined my life! 
Truly yours XXXX
Product: Credit card

I am writing to formally address an issue regarding the re-insertion of a previously disputed and removed account on my credit report on. Specifically, the account in question is : Citicards CBNA, Account Number : XXXX This account was disputed and removed from my credit report following an identity theft claim. I provided the credit bureaus with all required documentation, including : FTC Identity Theft Report ( Report Number : XXXX ) Police Report Proof of Identity Recently, I noticed that this account has been reinserted on my credit report. Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), it is illegal for Citibank or any furnisher of information to reinsert an account without following proper procedures. 

Specifically, the FCRA requires : Written Certification : You must provide the credit reporting agency with written certification that the information is accurate and verifiable before the account is reinserted. 
Notification to Consumer : The credit bureau must notify me within 5 business days of reinsertion, including the name, address, and phone number of the furnisher and an explanation of my rights to dispute the reinserted information. 

To date, I have not received any written notification from the credit bureaus or Citibank regarding the reinsertion of this account, nor have I been provided with documentation verifying its accuracy. This failure to follow FCRA requirements constitutes a violation of my rights as a consumer. 

Failure to comply with this demand may result in the following actions : Filing a formal complaint with the Texas Attorney Generals Office. 
Pursuing legal remedies, including statutory damages of up to {$1000.00} per violation, and any additional damages caused by your failure to comply with the FCRA. 
This accounts unauthorized reinsertion has caused significant harm, including negatively impacting my credit score and delaying my ability to secure a mortgage. I expect your immediate attention to this matter. 

Thank you for your prompt response. Please send all correspondence regarding this issue to the address listed above.