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

I am writing to dispute an inaccurate and unsubstantiated debt collection account that has been reported on my credit report. I am concerned that this account has been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I kindly request your assistance in resolving this matter promptly and satisfactorily. Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX I have no recollection of any contractual agreement or financial obligation to XXXX XXXX XXXX  or any other entity with an account number matching the one mentioned above. Furthermore, I have never signed any agreement, received any services, or incurred any debt that would warrant my responsibility for this alleged debt. The FCRA mandates that creditors and debt collectors report accurate and verifiable information to credit reporting agencies. Failure to adhere to these guidelines can result in severe penalties for non-compliance. I believe that the inclusion of this disputed account on my credit report is not only erroneous but also in direct violation of the FCRA. Specifically, I wish to bring to your attention the following sections of the FCRA, which pertain to my rights as a consumer : 1. **Section 609 ( a ) ( 1 ) ** : This section of the FCRA requires that credit reporting agencies provide consumers with a copy of their credit report upon request, which I have obtained, and the right to dispute any inaccurate information contained therein. 2. **Section 611 ( a ) ( 1 ) ( A ) ** : This section states that credit reporting agencies must investigate the disputed information and, if found to be inaccurate, incomplete, or unverifiable, they must promptly delete it or correct it. 3. **Section 623 ( a ) ( 1 ) ( A ) ** : This section mandates that furnishers of information to credit reporting agencies, including debt collectors, must provide accurate and complete information. Given the absence of any contractual agreement or legitimate debt, I request the following actions to rectify this situation : 1. An immediate investigation into the accuracy and validity of the debt collection account reported by XXXX XXXX XXXX as mandated by the FCRA. 2. Prompt removal of the disputed account from my credit report, as it is inaccurate and unverifiable. 3. Confirmation in writing that this erroneous information has been removed from my credit report. I trust that you will treat this matter with the urgency it deserves, as the inclusion of this inaccurate information on my credit report is having a detrimental impact on my financial well-being. Please be advised that, if this matter is not resolved in a timely and satisfactory manner, I will not hesitate to pursue legal remedies available to me under the FCRA, including but not limited to, filing a complaint with the appropriate regulatory authorities and seeking damages in a court of law. Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my accurate credit profile.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed an accounts reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and remove the late payments. 

I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

Below are the following accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Identity theft is the issue. On XX/XX/22 someone submitted an application to Comenity Capital Bank ( XXXX XXXX XXXX XXXX, Ohio XXXX ) and a hard credit inquiry was made on my credit report XX/XX/22 in spite of a fraud alert being posted with the credit agency. 
XX/XX/22 an XXXX XXXX  agent assisted me by filing a dispute on any card issued in my name. On Friday XX/XX/22 the agent and I finally reached a representative of Comenity Capital XXXX by phone ( after multiple attempts and extremely long wait times ). The representative said she had no record of an application under my name or any inquiry with a reporting agency. 
In spite of this denial I received a letter today from the XXXX Account Protection Team thanking me for my application and asking me to call at the number provided so they can verify my information.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Checking or savings account

Im filing a complaint against Bank of America, I lost my phone, debit card, wallet and license, and someone was able to use this information and fraudulent charge {$4800.00}, I have spoken to higher ups in the claims department and all I get is the runaround, Ive been a customer for about 13, years, I gave them all my information and even wrote a letter, every time I call they say they are gon na issue me credit and take care of it on the day I call and never do, why lie to your customers. Imagine this, Im not working, I come home to my cable being shut off, and ui being turned off, I had an XXXX person living with me and had to move her to my uncles house and had to borrow some money from family members, and last but not least imagine having to money foXXXX XXXX dinner and having to go to families house cause theres no money for groceries. If there is anyone out there that can help me to get this money back it will be greatly appreciated, I filed with the XXXX and attorney general, I hope Bank of America sees this and credit my account, this is so wrong.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX  Date of XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

My name is XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Il XXXX Mortgage is with Loan Depot : www.loandepot.loanadminnistraton.com Problem started XX/XX/XXXX -Home insurance paid to XXXX XXXX XXXX XXXX Loan Depot paid them {$1600.00}. I canceled XXXX XXXX XX/XX/XXXX. 
XX/XX/XXXX. XXXX XXXX refunded to me {$1600.00}. I repaid-sent check of {$1600.00} to Loan Depot. XX/XX/XXXX is the date of new coverage by XXXX Loan Depot did not acknowledge XXXX XXXX cancellation and my immediate coverage with XXXX.I paid XXXX with my own check. The new policy cost was $ XXXX XX/XX/XXXX. Therefore the refunded XXXX XXXX {$1600.00} remained in my escrow account at Loan Depot. 
XXXX as per company rules notified Loan Depot of the new coverage of home insurance. XXXX I never had a lapsed in legal Home Insurance paid in full. 
XX/XX/XXXX I noticed that the {$1600.00} in my Loan Depot account had been moved to status of Misc. XXXX it was gone. Immediately i asked Loan Depot for explanation. 
I faxed and mailed Loan Depot copy of XXXX Declaration page twice in XXXX, XXXX. 
Copy of correspondence requesting a refund or the {$1600.00} to be returned to my dated XX/XX/XXXX. 
They have refused to correct their error. 
! XX/XX/XXXX Loan Depot requested proof of insurance. XXXX agent assured me that they contacted the escrow insurance department of Loan Depot to verify coverage. 
Loan Depot did not respond. XXXX again notified Loan Depot that I was covered since XX/XX/XXXX. Loan Depot sent me letter on XX/XX/XXXX Finally admitting receipt of proof of coverage from XXXX.But stating they had bought insurance for me. No name or policy company ever sent to me of their coverage. 
To date they have not returned the {$1600.00} to me or my escrow account. XX/XX/XXXX. 
Mailed, and faxed. my XXXX declaration page re-verify my coverage XXXX XXXX. Have extreme difficulty with computer access with Loan Depot. Many web sites. Changes that delete your account. In XXXX of this year unable to access my account on Line I was told by customer service to re-register my online account. Including entering my social security number. I was already verified and my id, address and loan number verified by the phone agent. 
I request to be made whole- refund of the {$1600.00} and correction of my tax XXXX XXXX. 
My XXXX taxes were XXXX. My XXXX taxes were first payment {$460.00}
Product: Mortgage

XXXX XXXX XXXX, aka XXXX XXXX, place of bussesses address date back too XXXX XXXX XXXX XXXX ga XXXX .and XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga, .all of this will need too be ckeck from XXXX up too XXXX and XXXX .ownership records .very important too ckeck the tax and tittle too all of this for these years passed by. Also XXXX XXXX XXXX XXXX ga XXXX and ... XXXX and XXXX and XXXX ... .tittle exam will tell u everything. Not the property tax return. A tittle exam XXXX XXXX XXXX XXXX ga, XXXX XXXX ... ... .ok ... here is the problem. I am XXXX  of these addresses. And bussesses. Due date was XXXX XXXX XXXX. Country wide homes loans aka banc of America homes loans, has fail too give me my ownership paper as the benenfiary heir owner too XXXX XXXX and Fannie mae and XXXX XXXX, and, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and the XXXX  XXXX XXXX XXXX., country wide homes loans is the trust, for said business. Ckexk it. It on address XXXX XXXX XXXX XXXX ga, filed in XXXX, and with XXXXXXXX XXXX XXXX XXXXXXXX ga. It on the tittle ... ..I own the addresses and companies. I am not control my company's., I am getting letter from the irs .not pay taxes .on XXXX XXXX and company sense XXXX. And XXXX ... .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX filed in XXXX .as well ... .a XXXX XXXX and XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX is fail too give me my ownership papers .and as well as the trust company it self .my release date is gone .as u will see ... .I haven't talk too the agent or the trustee close attorney. This is on all of thus stuff with them please research all of thus information well tittle exam ... XXXX XXXX. XXXX XXXX. Names should come out of thus too .I want my business as the benenfiary. I have. Did 22 years of waiting XXXX have did it I made it please give me my property and bussesses and banks account that go with all of this thanks. Also .I am been told I am XXXX and I can't get the trust instrument benenfiary, issue did because I am not a freemasonry. It is not a law I have too join a mason..so all of thus is decrimnation. And abuse .and temp too murder. It a pandemic. I am living in a horrible place .real bad ghetto. I am doing dead time..my release date is past due .do n't abuse me no more. Thanks..XXXX
Product: Credit reporting

Hi, my identity was stolen when someone broke into my car and stole my wallet around XXXX of 2016. Since then new accounts have been opened, not paid and placed in collections. I did place a fraud alert on my credit during that time which was only good for 90 days. I have reported and disputed this to the company and have not heard back. When I tried to pull my credit report, their were questions that were never related to me and I am worried. Please get back to me soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX  Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has 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 customer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello, XXXX XXXX, XXXX I received a mailing from my local bank that I have had an account with for XXXX and a half years. There was an application for a " Pre Approved Credit Card '' in bold letters.I thought that because it was my local bank I would fill it out and send it in. I found out later that a hard inquiry showed up on my credit report. I called my bank and found that it was actually a credit card company that has a business relationship with my bank. I was also declined for the card. 
The issue is that between XXXX and XXXX my credit score suffered because of the loss of my business and my difficulty at finding a job at XXXX years of age. Prior to that I had great credit and since then I have worked hard to improve my rating. 
I do n't think this company should advertise for " Pre Approved Products " that are not actually pre approved, especially through my local bank that I was led to believe the application came from. I contacted my bank and they were sorry for the misunderstanding but there was nothing they could do because it was a different company entirely.
Product: Credit card

A some point in my XXXX year marriage my wife opened credit cards for herself using herself as primary signing for them, and then adding me as secondary without my knowledge or signature. I never received cards, statements, or used these accounts. We are now separated and going through XXXX and she has been been delinquent on accounts purposely to ruin my credit, which she has XXXX to a XXXX FICO in XXXX months, and I am being told no one can help me. She has bank accounts with XXXX plus, so paying XXXX was no issue. 

I have always paid every thing on time and early, and have as many as XXXX vehicles paid for in full over the past XXXX years. I own my home out right, and never am late on bills, taxes or utilities, but now I ca n't get a credit card, or apply for loans because she let a {$650.00} balance go two months late to Kohls Department Store. When I disputed to XXXX and XXXX they reviewed and then deducted and additional XXXX points from my credit!!!! For disputing it?? This is crazy.
Product: Debt collection

today i logged into my credit file to see AFFIRM INC is reporting XXXX separate debts of {$290.00}, {$160.00}, {$720.00}, {$470.00} to credit reporting bureaus, i have never done business or had XXXX accounts, signed any contract or documents with AFFIRM INC or anyone they are collecting for, I do not wish to contract or do business with AFFIRM INC .
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a dismissed bankruptcy that I have already sent a FTC report previously and responded with it has been verified, I contacted the bankruptcy court and they stated they dont report to credit bureaus which I attached a letter so I dont know where Experian got this information from. They are in violation of reporting inaccuracies on my consumer report and have caused me damage and personal distress.
Product: Debt collection

I called to ask what the debt was from it was a {$52.00} debt which I was willing to pay as I did owe it, but they attempted to add on a {$30.00} fee. I refused to pay and they took the money out of my bank account without my permission.
Product: Debt collection

I WAS LOOKING TO RENT A VEHICLE ON XXXX AND CHECKED TO CHECKOUT PAYMENT WITH AFFRIM AND WHILE LOOKING AT THE PAYENT PLANT THE TRANSACTION ACCIDENTALLY GOT PURCHASED AND CANCELLATION POLICY WAS STATING CANCELLATION WITHIN 24 HOURS WILL NOT BE GRANTED NOR APPLIED. 

AFTER THE FACT THE PURCHASE IN THIS CASE A VEHICLE TO BE RENTED WAS NEVER INTEDED NOR USED AT ALL AND AFFIRM RELEASED THE MONEY TO XXXX XXXX XXXX DO NOT PROVIDE ANY POSITIVE FEEDBACK/REFUNDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXD XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I never gave my consent to gather personal information about me and I demanded checkr to delete all my data from their servers after saying they did multiple times they are still selling my information to employment companies without my written consent.