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

The following account is inaccurate and unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  At this point I have asked both XXXX XXXXXXXX and EQUIFAX to provide me some type of documentation bearing my signature, validating this debt/account. They claim that the account has been verified and I would like to know and see how they went about verifying it. Neither have been able to provide me with such documentation. Therefore, making the account listed above unverifiable and inaccurate. And therefore a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureau regarding credit inquiries and a collection account that is not mine, and I did not authorize.

According to 15 USC 1681- it is defamation to my character and livelihood.
Product: Debt collection

I have reached out to LVNVFUNDG and XXXX who is reporting this debt on my credit report. This is showing an open account but I have not received anything regarding this debt. I've asked for it to be validated and verified but still haven't received documentation.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It XXXX Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : XXXX. Account XXXX : [ XXXX XXXX ] Date Listed : [ XXXX XXXX, XXXX ] XXXX. Account Name : XXXX XXXX CO Date Listed : XXXX XXXX, XXXX XXXX. Account XXXX : EXETER Date Listed : XXXX. XXXX, XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : XXXX of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated XXXX investigation period. 

Failure to comply XXXX result in further action to enforce my rights under the FCRA. 

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

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

ON XX/XX/2022 I DISPUTED THE FOLLOWING ACCOUNTS WITH ALL THREE BREAUS STATING THESE ACCOUNTS IS NOT KNOWN TO ME/ INACCURATE. THE DATES DONT ADD UP AND AMOUNTS OF THE DEBT. AS WELL AS ITEMIZED BILL THAT DOESNT MAKE ANY SENSE TO ME, DUPLICATE ACCOUNTS. I HAVE MADE SEVERAL ATTEMPTS TO RESOLVE ISSUE WITH COLLECTION AGENCY STARTING XX/XX/2022 THEY ARE NOT RESPONDING EXECPT WITH AN ATTEMPT TO COLLECT DEBT THAT IS NOT VERIFIED ACCURATLY. 
* XXXX XXXX XXXX {$650.00} *XXXX  {$140.00} *ARS {$140.00} *XXXX {$150.00}
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. HAS VIOLATED MY RIGHTS AND THIS ARE THE COMPANY THAT HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 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 ITEMS 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

The credit bureaus XXXX, Equifax, and XXXX are missing some or all of my XXXX credit card accounts and payment histories. They are also missing car loan and mortgage histories. They 've claimed these accounts are not reporting to them or that they are up to date which they are not. It 's not possible that these XXXX XXXX 's, XXXX, and XXXX XXXX accounts do n't report to some or all of the XXXX credit bureaus. In fact I 've confirmed that most report to all three. Apparently when credit history is missing they do n't consider that an error like I do. This has damaged my credit. Where my credit should be excellent, according to them it does n't exist or I have no payment history. I will try to include these supporting documents : 1. Credit cards and ID 's pictures sent to all XXXX bureaus, 2. XXXX XXXX property whose mortgage is paid in full but does n't appear on any credit report, 3. Utility bill showing current address, 4. XXXX, Equifax, and XXXX Credit Reports, Dispute Forms and Dispute Results, 4. XXXX previous letters from credit card companies stating that they are reporting to all XXXX bureaus which I sent to them and they ignored.
Product: Credit reporting or other personal consumer reports

This is my second complaint being filed with the CFPB there was no resolution to the first complaint all the negative accounts and transaction history is still on my consumer report unlawfully effecting my ability to obtain credit. I trusted the CFPB to rectify this situation rightfully so and i did not receive my rightful remedy the CFPB actually sold more of my info to Experian. Experian has not provided me the requested original contract with my signature for each and every account that they are reporting on my consumer report, also they did not provide proof of me giving them written instruction to furnish these accounts per 15 USC 1681b Permissible purpose of consumer reports, because Experian can not provide any of this info all listed accounts and inquiries in my attached letter need to be deleted Immediately! Also each individual account I listed I wrote a letter to each company revoking any and all authorization that I XXXX have unknowingly gave them in the past, present, and for future use. Please have Experian delete all negative payment history accounts and All Inquiries immediately or I will be forced to take things further in filing a XXXX XXXX on all companies involved.
Product: Checking or savings account

Bank of America thinks my parent is dead... .again! 

Mom ( XXXX XXXX XXXX age XXXX ) is in XXXX XXXX at XXXX XXXX facility in XXXX, XXXX. She is XXXX and I am her conservator. I manage her pension, other fixed income, and bank account. 

According to them, she died spring of last year ... and then again in XXXX... again in XXXX, and now with the new year comes her newest death. 

Each time this happens, I spend hours of my life attempting to unfreeze her accounts in order to cover the cost of her care, as intended. 

I also can not close her account, despite the conservatorship papers giving clear authorization. Have already diverted her forthcoming checks but there is still a significant balance in that account that we need access to. 

I have notarized and signed every form they have put in front of me. I have submitted every proof of life and doctors letter. Each time they have to spend eons going over their " notes '' and once things get fixed, they " hope '' this doesn't happen again. 

I'm ready for a small claims judge to demand they show proof of her death because her proof of life clearly isn't enough to prevent this from happening next month and the month after. 

Her credit is locked, she has no other banks or accounts, social security lists her as alive and well. 

Current consequences : Late fees for her housing and care XXXX pay or quit ( she is in danger of losing housing )
Product: Credit reporting or other personal consumer reports

The company had a false process server and I never received any notice of a court hearing and judgement was filed against me and now they are able to garnish my wages for something I have no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX REPORTED ON MY ACCOUNT AND TO CREDIT REPORTING AGENCIES ON XX/XX/2021 THAT I WAS PAST DUE 30 DAYS.
Product: Debt collection

After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2019 as if this medical account belongs to me it should have been paid for by my insurance. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that may not be mine and should have been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account is mine and was not paid for in full by my insurance and that all information is correct.
Product: Vehicle loan or lease

Refinance the car in XXXX, they sent the title. We continued to make payments for years only to find out years later when we was in a car accident that, they had no rights to the car after they sent the title. We were asking so who received the payments we were sending no had answers
Product: Mortgage

Nationstar is reporting my mortgage as delinquent from the time they acquired it from XXXX XXXX XXXX in 2013. I 've paid every monthly payment via auto pay on or before the due date since I was first notified of the change in ownership. Nationstar has called since the first month and continues to call me on my home & cell numbers repeatedly asking for payment. I have spoken to them numerous times along with providing them with documentation of my XXXX Statements and printouts of their account transaction history. Each time I do this they acknowledge that the account is in good standing and should have been from the onset. However, within a few days they are calling again and then continue to report the account as delinquent. In addition, Nationstar has sent appraisers to my home on no less than XXXX occasion to appraise the home and claim that it is abandoned, even though this is our primary and only residence and is never left untended for more than a few days or week during family vacations. I personally confronted XXXX of the appraisers when they were leaving the notification and asked how they could claim the home as abandoned while we were even in the home and he stated that he was instructed to do as such. These notices are with my personal attorney. Also Nationstar has terminated my auto payment at least once, via letter stating due to multiple delinquent payments they were terminating Auto Payment. I immediately went back in and restarted in time for the monthly payment to arrive prior to the due date. However, I do think they will terminate again. Unfortunately their practices have seriously impacted my credit score, it 's currently between XXXX to XXXX with multiple 30 day lates from Nationstar. This is prohibiting me from refinancing away from Nationstar in addition to increasing my rates for other loans like Auto and preventing me from getting any new credit. I have also reached out to the CT Attorney General to request their assistance with this matter and would greatly appreciate any assistance your office can provide. Please Help! Thank You in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complain contains a report I obtained from the annual credit bureau website Where Experian with XXXX different addresses At the same time I requested to Experian to remove this inaccurate addresses from my credit report and they ignored all my disputes I live in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX or any others inaccurate addresses They must be remove All inaccurate names in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

XX/XX/year> Subject : XXXX XXXX XXXX Equifax for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against Equifax for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This ongoing inaction constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of erroneous late payments on my account by Equifax directly breaches this legal requirement. Furthermore, 15 U.S. Code 1666b mandates creditors to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement. 
TILA Violations The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act highlights creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The continued inaccurate reporting violates this protection, unjustly affecting my financial stability.

Payment History and Errors Across Credit Bureaus Equifax shows incorrect entries in my payment history : XXXX : Erroneously reported as 30 days late. 
XXXX : Marked incorrectly as 60 days late. 
Days Late - 7 Year History : Equifax has also listed two 30-day and one 60-day late entries, despite previous disputes indicating these are inaccurate.

Lack of Resolution Since Previous Dispute Despite submitting multiple disputes, each bureau has continued to report these errors without change, damaging my creditworthiness and violating my rights under the FCRA and TILA. The inaction on these inaccuracies has resulted in ongoing harm to my credit profile and financial stability.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus. 
Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed. 
If this issue is not resolved promptly, I will escalate my complaint, potentially involving legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX. XXXX, GA XXXX. 
XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX. XXXX, TX XXXX. 
TransUnion. Consumer Solutions. XXXX XXXX XXXX XXXXXXXX, PA XXXX. 

complaint sent your office mean time, with ftc complaint credit report cause us to be XXXX and money taken out our action 's your office failed to make they remove the old info, your office had proof of the action with letter enclosed again. now collections are now using new numbers s. Secretary XXXX XXXX XXXX office a compliant as well fha programs are being affected. by this reporting police reports from oregon and utah has been sent your office and the 3 credit burros. with cifit request
Product: Debt collection

I filled out a complaint on XX/XX/2016 about a collection notice I received from AFNI, XXXX On a debt from Century Link for {$82.00} and today I spent the next 3 hours on the phone with XXXX after the collection company told me that XXXX recalled the debt. Once again I was unable to verify the debt with XXXX XXXX in that amount. I spoke with XXXX different customer service reps from billing to credit and collections. NONE was able to tell me how or where this amount came from. Yet it 's been almost 2 years and this debt has been reported to all XXXX credit reporting agencies. I have tried and failed to verify this debt with the original creditor and collection agency. Neither has been very helpful other then they would be happy to clear this up after I paid them this amount. Again I would be happy to pay if I could verify the debt and when I was billed for it. Further more my XXXX XXXX account is paid via auto bill pay and once again I was told by XXXX XXXX that my account is current and show NO outstanding balance. They looked up my account using my name, account number, home phone number my wife 's name and finally my social security number all showing I do n't have any debt in said amount. So once again I got nowhere with this issue and I still have this debt being report on my credit score.
Product: Credit reporting or other personal consumer reports

I am conducting a forensic audit on my credit profile and discovered that you are reporting inaccurate information on my credit report. This account XXXX XXXX XXXXXXXX has been charged off, which means the creditor has forfeited the right to collect on this account which is now a taxable income of which I have assumed tax liability for it as an income to me according to IRS. 
I have requested a XXXX Cancellation Of Debt Form from the original creditor but they declined and denied charging of this account as well as stated that they are not obligated to issue me a XXXX. 
Please be advised that this account has multiple inaccuracies eg, CO was listed multiple times instead of once. XXXX XXXX XXXX states that you have a responsibility to report maximum accuracy on my credit report. 
Ultimately, this creditor is in violation of my rights under FCRA, XXXX XXXX XXXX and XXXX XXXX XXXX which states that the creditor must obtain written instruction from me permitting them to report my information to the credit bureau. Secondly banks and credit bureaus are passing around my information without proper authority. 
Please, I need this account deleted from my credit report immediately.
Product: Money transfers

On XX/XX/2016 I registered and initiated a money transfer operation with a company called Remitly, Inc. During the process I told them I was stationed overseas. To confirm my identity they told me in a telephone conversation with their risk management staff member that I must provide them a copy of my military ID. I am currently XXXX. 

I informed Remitly that copy of a military ID is a criminal offense under Title 18, U.S. Code, Part I, Chapter 33, Section 701 and are punishable by fine and/or imprisonment. Remitly 's response is that Know Your Customer trumps federal criminal statutes. They refuse to process my transaction unless I provide them a copy of my military ID. 

Remitly is requiring the commission of a felony in their business practices. They need to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have contact the Bureaus several times in regards to my Credit Profile. There is a lot of inaccurate information on my credit profile and is hurting my ability to obtain any credit or to move forward in several aspects in my life. I have contacted them about the incorrect information pertaining to my name, address and the accounts that i disputed with them. I never received information back from XXXX Nor XXXX the only bureau that sent me a letter in regards to my dispute was TransUnion which never provided support documentation to my claim stating how the account was verified. I feel as though my consumer privacy rights had been violated and taken advantage of, I need this fix.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So please UPDATE and CORRECT the accounts : XXXX XXXX  XXXX. XXXX, XXXX XXXX  XXXX. XXXX
Product: Checking or savings account

on XX/XX/2020, my wife fell victim to a phone scam, she went missing in fear of the scammer ; but was safely found and retrieved by the XXXX  MA. police department. during the course of this scam she was coerced into using our debit card to get money to the scammers via gift cards. As she was forced to do this by the scammer this was an unauthorized electronic funds transfer. After safely finding my wife we immediately filed a police report ( attached ) & contacted gift card vendor to try to reverse transaction and investigate ( target declined to do so ). then at the police station in XXXX ma they helped up contact our Bank Capital One, XXXX XXXX XXXX XXXX XXXX. XXXX, MN. XXXX, XXXX. We notified the bank of what happened, submitted a police report and created a dispute. It has been months and we never had any response from our bank ; however upon calling them they verbally confirmed that they denied our dispute for unknown reasons ; they refused to provide the information in writing which baffles us. We lost {$2000.00} dollars directly from our account via debit from this scam. We were informed about consumer protection laws such as electronic funds transfer act regulation E that may protect us in this situation. We need help dealing with our bank. Thank you, XXXX & XXXX XXXX, XXXX XXXX XXXX, XXXX, MA. XXXX, XXXX
Product: Debt collection

My complaint is about the final bill from XXXX XXXX. XXXX did not provide the service that I was charged for and the claim should be removed from my credit report.
Product: Credit card

My credit card company ( Citi ) contacted a person never added to or authorized on the account by phone. I did not authorize the person, or provide their phone number, to the company. They told me they accessed a 'government database ' to obtain this persons phone number. None of this was authorized by me at any time.
Product: Payday loan, title loan, or personal loan

I have a personal loan with Prosper. They recently sent me a marketing mailing on a glossy card with no envelope. The card, readable to anyone, contained my name, address, the fact that I currently have a loan with them, and the payment history of the loan. I did not consent to them publicizing the fact that I have a loan or the status of my loan.