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

PLEASE delete these accounts listed for inaccuracy from my credit report because the date showing last active is inconsistent. The last date reporting is not consistent with other credit bureaus. 

Account Name : ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - XXXX Last Date Active : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX - XX/XX/XXXX. 
Last Date Reported : XXXX : XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX - XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. 
Last Date Active : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. 
Last Date Reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX Account Name : XXXX - XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX 
Last Date Active : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Last Date Reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

As follows firstpremire credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  account at XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX total XXXX has violated my rights. 15 u.s.c 1681 section 602A states I have the right to privacy. 15 u.s.c 1681 section 604A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions I did not give no one on my credit report running instructions to put it on there
Product: Debt collection

A letter dated XXXX  came in the mail on XXXX 

I wrote a Validation Dispute Letter dated XXXX and sent it to the email on the letter ; company did not respond. 

On XX/XX/XXXX I sent a follow up email in the same email chain. Company did not respond. 

On XX/XX/XXXX I sent another follow up email in the same email chain. Company did not respond. 

On XX/XX/XXXX Again I sent a follow up email in the same email chain. Company did not respond. 

On XX/XX/XXXX I sent my last email correspondence. 

I also sent 3 letters to the 3 addresses listed for the company on the form ( intentionally super confusing ) + 1 certified letter to the apparent po box .
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unverified information on my Consumer Report and my report should be 100 % accurate. I am aware that the CRAs need my permission and written approval to release my personal/private info to third parties. These entities did not disclose to me that I could have " OPT OUT '' of having these accounts being place onto my Consumer Report did they disclosure their company policies to me. I am very confusion as to how are the CRAs able to place these fradulent acts on my Consumer Report? Congress has passed 15 USC 1681a Definitions ; rules of constructions ( 2 ) EXCLUSIONS - Except as provided in pargraph ( 3 ), the term " consumer report '' does not include - ( A ) subject to section 1681 s-3 of this title, any - ( i ) reportcontaining info soley as to transactions and experiences between the consumer and the person making the report ; For example - that means no collections, charge offs, late payment, medical bills Judgments and Bankruptiecs etc. Aren't these transactions and experiences? Yes they are! Using my personal/private information is ID THEFT pursuant to 18 USC 1028A which is a Felody and carries a prison sentence of 2 years. I have a Right to Privacy I Demand these fradulent illegal account be removed from my Consumer Report and my Consumer Report score be restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX Bankruptcy Discharged XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX 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: Mortgage

I refinanced a loan with Mr. Cooper/Nationstar in XXXX of XXXX. The original mortgage was also with Mr.Cooper/Nationstar and had been opened in XXXX. The refinance process went smoothly and I had n't had any issues until recently when it was discovered that I still have two outstanding liens on my home ( 1 for the original loan in XXXX and 1 for the refinance in XXXX ). The paperwork for the lien release was either never submitted or never recorded. 
I am currently working on a HELOC with another bank and they found the 2 liens on the property and can not approve the HELOC until the first lien is released. I have called Mr. Cooper at least 5 times now and have been told conflicting information with each phone call. Here are some of the things that I have been told : -We do n't show the original lien still on the home so the customer needs to research this on their own with the county recorder -Mr. Cooper emailed me a copy of  the lien release and told me that I could take this down to the county recorder and submit it for release ( did not mention that there is a fee for this which I should not be paying for. I also wasted time going down there because the county will not take a copy of the document ). 
-Told multiple times that the issue had been escalated to the lien release team within Mr. Cooper and nothing has happened -Told that I would get an official document in the mail multiple times and never received anything -Told on XXXX/XXXX/XXXX that it is the customer 's responsibility to submit the lien release when the refinance goes through ( that the mortgage company never does this ). However, I looked back through emails and found an email from Mr. Cooper in XXXX saying that the lien release was in process and they would submit to the county.
-Spoke with the county recorder and they said that the mortgage company could send an 'electronic ' version and it would be recorded the same day. However, then spoke with Mr. Cooper and their representative told me that Mr. Cooper does not do electronic versions and they sent a copy in the mail to the recorder 's office on XXXX/XXXX/XXXX and it could take another 5-7 days to get recorded. 

Overall, I am angry with all of the conflicting information that I have received from Mr. Cooper and its overall lack of assistance to get this item fixed. During the refinance process this should have been handled by the company, however, they have since told me that ( 1 ) it was my responsibility to submit the lien release ( lie ) and ( 2 ) that I should take the documents down there and submit them ( requires me to pay an additional fee ). This should really be a quick fix but has delayed my HELOC for at least a month now and maybe even longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have a loan with Select Portfolio Servicing with account number XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report for the month of XX/XX/XXXX up to XX/XX/XXXX. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

I was notified by alert that a new account was opened between XXXXXXXX XXXX to XX/XX/year>, I immediately called transunion a representative reviewed my account and said she was very sorry and didn't kno why my great standing account had been removed and she was immediately adding it back, this has taken a mental toll on me XXXX it's damaging my credit report I've been working hard on, it's now reporting a new account and it has deducted XXXX points from XXXX  account, this violate my rights XXXX, they need to fix this immediately or I will seek litigation that I am allowed to, I'm attaching all the proof that this account has been reporting and never should have been removed unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma has been falsely giving preapproval under under their websites for a different credit card information telling me that I was approved and then when I applied I was denied by several different companies which affected my score with false reports
Product: Credit reporting or other personal consumer reports

The Range Collection Report also exceeds Statutes of Limitations since they were entered in XXXX. Here you can see how XXXX has not only reinserted previously deleted data but has continued to push untrue entry dates forward. 

XXXX pulled my credit reports and found that they contained lots of fraud. This included XXXX Report Confirmation XXXX XXXX wrote a letter to XXXX disputing the fraudulent reports. This included Range Collections, a report from 2018. 

XXXX This XXXX report shows Range Collections removed. Report Confirmation XXXX XXXX This XXXX reports shows Range Collections removed. 
Report Confirmation XXXX XXXX XXXX Re-Entered the Reange Collections on my reports and dated the entry as XXXX. 

XXXX XXXX entered into XXXX XXXX the Range Collections. 
The other credit bureaus have removed the collections XXXX XXXX Report XXXX The entry date is updated with an untrue date of XXXX. 

XXXX XXXX Report XXXX The entry date is updated with an untrue date of XXXX. 

Do not allow XXXX to flagrantly report falsehoods and flout the laws regarding statutes of limitations against consumer rights.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # 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. 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: Checking or savings account

on regions bank again on sending me paper statements when i ask not get statements on email ect they chose ito sens statement did not ask for a statment in anyway they chose to send us mail statement and chrarge me XXXX XXXX  for each physical paper statement that i did not request this is illegal business practices, ,ive ask then on two phone calls to not send any us mail statements
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting a correction or deletion of the following information that appears inaccurate on my Equifax consumer report. I have already filed a dispute letter to Equifax regarding these inaccuracies dated XX/XX/2022, asking for an investigation, and I didn't receive any reply from Equifax. These items lack accuracy and completeness and have violated my consumer rights under the Fair Credit Reporting Act and as mandated in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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. 
( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subj : Dispute filed : XXXX  XXXX XXXX Mortgage Last Four of Acct # XXXX XXXX  XXXX XXXX Mortgage last four of acct # XXXX is reporting on my credit report that I had missed XX/XX/2019 payment. I have provided my XXXX electronic bank receipt that show my payment was made on time and XXXX  XXXX XXXX has provided several letters stating the reported late payment needs to be deleted, but EXPERIAN has refused to correct the error and this has caused me to be disapproved for a loan. My acct with XXXX  XXXX XXXX Mortgage Last Four of Acct # XXXX is current AND THERE WAS NOT A MISSED PAYMENT FOR THE MONTH OF XX/XX/2019. Im requesting that the incorrect information be removed from my credit report and my acct be reported as current for the month of XX/XX/2019. 

Respectfully, XXXX XXXX
Product: Credit card

Fortiva closed my account. I asked why they said I went over the limit to many times. They offer an over the limit up to XXXX dollars coverage which I took. I was never over the limit more than XXXX dollars until recently. I have always paid on time again until recently I had Identity theft going on and had to close my bank account and open a new one and my retirement company had to send me a check instead of direct deposit because they didn't do it in time. I have never been this far over the limit until they raised there fee 's. If they had a problem about being over the limit why do they offer the coverage because on the site it say 's over the limit coverage XXXX dollars and why did not send me a letter warning me that I was in jeopardy of losing my account. I have paperwork to back up everything. I also have a case with the FTC and a police report. They are going to ruin my credit with this action. I think it is wrong what they are doing Please help me with this matter Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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: Prepaid card

I bought VISA Vanilla card for {$500.00} I kept the card in my house for emergency, This month I opened the jacket of the card and try to use it at XXXX. I found that the card was compramized and {$410.00} was stolen from it. no vender or any one have the card numbers except me and the vanilla card. this mean some one inside the company compromised my card ( internal theft ). I report the information to the card and they opened a case for me # XXXX ane then I filled all the forms needed after investigation they told me that the tranaction involoved in the theft is too old to ivestigate. when I bought the card expiration date XX/XX/year> I kept the card for emergency, when I want to use it they told me there were 3 transaction by the same vender processed last year, which I have no relation to this vender which was online vender. 
I am XXXX years old and I never used any on line transaction
Product: Debt collection

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.