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

I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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 from 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 from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX ACCOUNT # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 120 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX and I have been trying to get a loan with my credit union but everytime I attempt too they tell me my credit file is bringing up my XXXX brothers credit. His name is XXXX XXXX and were XXXX. I have been trying to get this resolved for a long time. I want to be able to have my own credit file pulled up with my name not my twin brothers.
Product: Checking or savings account

The account has {$0.00} balance for many months. Citizen Bank incorrectly reported 30 days late payment on the {$0.00} balance. I have an open case # XXXX with Citizen Bank since XX/XX/2022 but they keep promising to remove the negative information with actually doing anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have tried on numerous occasions to have inaccurate accounts removed from my credit report and also in accurate late payments applied. There are also many accounts reflecting in collections thats are inaccurate. I have disputed these items multiple times with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three bureaus are reporting an account that was under litigation and that was 100 % settled and a nonsuit with prejudice was filled with the court. Documents attached, still the credit bureaus are reporting as charge off with a balance of {$850.00}. We have contacted XXXX  and they requested me to complaint and dispute the accounts with the bureaus which we did but this did not work and I see the account reported. This is illegal and in case they don't take action and remove the account I will have to sue the three buraus. This is not Right!.

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 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

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX
Product: Credit reporting or other personal consumer reports

InIn accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 



Account Name : // Account # XXXX  XXXX bank XXXX Account Name : // Account # XXXX XXXX XXXX Account Name : // Account # XXXX XXXX XXXX XXXX XXXX Account Name : // Account # XXXX XXXX XXXX user social XXXX Account Name : //Account # XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX user social XXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name : //Account # XXXX  Credit XXXX Account Name : //Account # Synovus/First Progress XXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX  XXXX XXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXXXXXX XXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXXXXXX n/a XXXX Account Name : //Account # XXXX XXXX XXXX  XXXX Account Name : //Account # CXXXX XXXX XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX XXXX  XXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name : //Account # Credit XXXX XXXX n/a XXXX Account XXXX : //Account # XXXX XXXX XXXX XXXX n/a XXXX Account Name : XXXX XXXX XXXX XXXX XXXX n/a XXXX Account Name : //Account # XXXX XXXX XXXX  XXXX Account Name : //Account # XXXX XXXX XXXX XXXX n/a XXXX Account Name : //Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All Acccounts Have Violated My Rights 15 U.S.C . 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting

Franklin Collection Services sent me a letter dated XX/XX/XXXX, of which I did not receive until XX/XX/XXXX. Upon receipt of this letter, I immediately sent them a letter asking for them to validate this debt as indeed belonging to me and that I truly do owe them money. After this letter, I did not hear from them again until XX/XX/XXXX ( letter dated XX/XX/XXXX ) where I again sought debt validation from them. I finally received a letter from them ( see attached ) where they are stating that I requested a final bill. I DID NOT REQUEST A FINAL BILL FROM THIS COMPANY. MY LETTER ( SEE ATTACHED ) SPECIFICALLY STATED THAT I WOULD LIKE A SUMMARY OF ALL ACCOUNT ACTIVITIES, INCLUDING PAYMENTS MADE, LATE CHARGES, AND DATES OF CHARGES POSTED, COPIES OF SLIPS INVOICES, PROMISSORY NOTES AND ALL OTHER DOCUMENTS PROVING MY INDEBTNESS, COPIES OF ANY PAPERS THAT SHOW I AGREED TO PAY THEM WHAT THEY SAY I OWE THEM AND THAT THE PAPERS BEAR MY ORIGINAL SIGNATURE. Per the FCRA, I have a right to dispute and request validation for any item on my credit report. This company is reporting this account on my credit report and they DID NOT VALIDATE IT AS MINE ; THEREFORE THIS ITEM MUST BE REMOVED FROM MY REPORT.
Product: Debt collection

I owe this agency in several accounts. I called to pay off all but XXXX account. Later I found they placed all the money into XXXX account. Upon calling the agency back was told that they have the right to place the money on any account that they wanted. Was then hung up on. Returned call to them staying the law and that I could pay off the debts of my chosing. Was told I did not specify. So I lied and said I had it on recording. Then they stated oh I see that you did. Claim to be in the process of fixing.
Product: Credit card or prepaid card

To Whom It May Concern : RE : CAPITAL ONE CORPORATION CARES NOTHING ABOUT THEIR CUSTOMER DUE TO DATA BREACH!!!! 

I have been a victim of online fraud based on two impersonators called XXXX XXXX and XXXX XXXX. 
It began on XXXX until now. 
I am in a financial hardship. 
My world has been exposed. I have copied my friend XXXX XXXX a XXXX XXXX who I speak to daily. 
I filed a report with the FTC-Identity department # XXXX. 
I have spoken to Capital One who recently had a data breach. They do not care about me. My credit score dropped from XXXX to XXXX in one month. 
I am a published author on : XXXX, XXXX and XXXX, and XXXX. See my links below : https : XXXX https : XXXX https : XXXX I am online XXXX XXXX with University of XXXX Arizona, to . 

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

stdent loan was not to report negativity during the tome that they continually did. they agreed during covid pandemic they would not repot negative to the credit berro and they have been and not willing to remove my negative marks due to me paying off my loan early
Product: Mortgage

I am currently participating in the cares act covid forbearance. My mortgage company, shellpoint mortgage has denied me the 18-month extension according to the cares act policies. 

shellpoint mortgage did now allow or provide me with the initial 6-months forbearance from the beginning of my cares act covid forbearance according to the policies. 

Additionally i never received my 2nd extension according to the cares act covid forbearance policies. 

I feel shellpoint mortgage has denied me my rights under the cares act by refusing to adhere to the policies for covid forbearance.
Product: Checking or savings account

I have a XXXX XXXX XXXX bank account / card. In XXXX of XXXX  there was an unauthorized charge. I dispute the charge and initiated a chargeback in XXXX of XXXX. The company InComm Financial Services and XXXX denied the chargeback the same day I disputed before even receiving my dispute packet / affidavit. I asked to reinvestigate in XX/XX/2022 and they have failed and/or refused to respond. They're engaging in totally unethical and illegal behavior. The last 4 of my ssn is XXXX.
Product: Checking or savings account

Hi i was trying to close my acoount with citi and they closed at it first and now it was reopen due to a glitch on there system and my phone number was also removed and im trying to close my account again both checking and savings account and they are both open in my name and they cant close it due to a phone number not verfied and ive been charged 30 fee on my account and i just want my money mailed in a check and i want all mail stop coming to my address
Product: Debt collection

IN RESPONSE TO MY PREVIOUS CFPB COMPLAINT TO YOU, YOU REQUESTED THIS INFORMATION FOR YOUR FRAUDULENT COLLECTION ARS Legal Department XX/XX/XXXX To whom it may concern : As per my XXXX credit report, ARS obtained my credit file on XX/XX/XXXX. 
I don't recall applying for credit or employment with ARS. 
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at XXXX XXXX XXXX  : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. 
Please respond via EMAIL TO THE CFPB. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX, FL XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding the information on my credit report. After reviewing my credit report, I noticed that there are late payments listed on my account, and I would like to request either their removal or correction. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of late payments on my credit report. I have attached supporting documentation, including bank statements and payment records, to illustrate that these late payments are not accurate. 

XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service XXXX XXXX XXXXXXXX This account XXXX NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service I kindly request that you investigate this matter and, if appropriate, remove or correct the late payments from my credit report. I am committed to maintaining a positive credit history, and the accurate representation of my financial status is crucial for my financial well-being. 

Thank you for your time and assistance in rectifying this matter. I am confident that we can work together to ensure the accuracy of my credit report.
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX XXXX.XXXX.i made a payment of XXXX dollars to be processed on the XXXX I called back to cancel the payment because the bank had issues with a XXXX deposit I made on the XXXX XX/XX/2020 On the XXXX I was told I couldn't cancel the payment and I made another pay me t of XXXX dollars and some change directly from my checking The payment was taken out of my account and still does not show my avail balance And the other XXXX dollar isn't showing up nor the other bank DOESNT even show where the payment was submitted XXXX XXXX Master Card who service this card is US BANK and this bank has made a complete mess for me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXXXXXX XXXX XXXX. Account # 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 consumer reporting agency can not furnish without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting company refused to " delete '' XXXX ( XXXX ) Hard Inquiries, both of which I've never applied for credit! Experian shows XXXX ( XXXX ) Hard Inquiry - XX/XX/XXXX from XXXX XXXX XXXX XXXX 
However, upon reviewing Experian 's website WITH HAVING TO PAY for a Premium Revolving charge Membership, I am looking at THEIR report on me and there's XXXX ( XXXX ) Hard Inquiries! The XXXX  is from XXXX XXXX XXXX in XXXX. I never have applied for credit with XXXX XXXX, either! I already called both Companies and they couldn't confirm or find any application for credit. Both directed me to Experian and XXXX  and XXXX XXXX. 
Today, after being told by a fraud department agent named XXXX, that they " Experian '' can not and will not remove the XXXX incorrect Hard Inquiries. Experian doesn't want my XXXX  Score to rise. XXXX hung up on me when I asked to have a supervisor contact me. The call ended at XXXX MST and my calls are automatically recorded & stored. I'm sure they recorded the call, too. Both Agents were incredibly rude, inept at facts, and evidently weren't trained in U.S. Credit Federal Law. 
My request ... I WANT XXXX INCORRECT HARD INQUIRIES DELETED/REMOVED! 
I ALSO WANT EXPERIAN TO CRITIQUE THEIR XXXX  PHONE AGENTS, PRIMARILY, XXXX. 
I can upload the actual phone call file if needed. I will attach the image screenshot of the XXXX Hard Inquiries that are on my Experian Credit Report. 
Moreover, I'm requesting AGAIN ( XXXX time ) for Experian Credit to ALSO DELETE/REMOVE the Indicator of " seeking credit '' from my report and as it factors into my Experian Credit Report and ALL FORMS OF MY XXXX  SCORES, including but not limited to, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Equifax, XXXX, and XXXX shared my credit report multiple times with multiple banks. I've also mailed all agencies over past 3 months regarding XXXX XXXX on my credit report asking for the original documentation for the account, and to date ( 75 days later ) still have not received the documentation. I've requested this information be removed from my account, but it still appears on my credit report. 
The Consumer Portal for Equifax has been down for months and I can not access the results of my dispute.