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

My requests for proper verification and the removal of the fraudulent information on my credit reports have been disregarded despite the numerous written letters I have sent to the three credit bureaus. I last wrote to the credit bureaus XXXX, XXXX, and TransUnion on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Credit Bureaus violated FCRA section 605b, which requires them to erase any accounts and information that were created as a result of identity theft. I approached the FTC and reported the theft of my identity. I also included copies of the FTC 's Identity theft report. The below described fraudulent items are still showing up on my credit record. I'm hoping you can assist me out and get these things eliminated as soon as you can. I am frustrated to see the credit bureaus do nothing to remove the information I am disputing from my credit file. Although I am inclined to pursue legal action, I will give the credit bureaus XXXX more chance to make things right and correct my credit report. I need the following items deleted completely from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information belongs to another individual ( identity theft fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Closure date of account is XX/XX/2018 stating that the reporting agency Bank Of America has suspected fraud on one of my personal accounts and closed it without any notification. This has made it very hard over the years to get a bank account. It has been over three years which is the amount of time it takes for the report to fall off of your record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for my credit report and upon checking. I realized there's hard inquires that i don't recognize. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Student loan

My student loan account reflects inaccurately reported late payments. I believe this is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, which mandates accurate and fair reporting of consumer credit information. Additionally, this inaccurate reporting negatively impacts my creditworthiness.

Relevant FCRA Provisions : I wish to bring to your attention the FCRA provisions that support my complaint : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : This section requires furnishers of information to credit reporting agencies to provide accurate and complete information.
Product: Credit reporting or other personal consumer reports

I paid off the credit card for XXXX XXXX XXXX. Account ending in XXXX. During the dispute, on XXXX occasions, I attached the last monthly statement, showing a XXXX balance on the account. Yet, each time I submitted a dispute, the investigation came back saying everything was accurate. It is not!!
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 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Consumer, dated on XX/XX/2022 demand XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) to Cease and Desist communication with my consumer credit reports pursuant to 15 U.S. Code 1692c ( c ).

Failure to comply will result in fines. Best regards.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year> to the credit bureaus requesting that the XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting or other personal consumer reports

i've recently recieved a copy of my credit report 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: Mortgage

When I sent in the payment of {$XXXX} they refused to accept it and shredded my cashiers check of {$XXXX} and {$XXXX} = {$XXXX} without telling me that they did this even in the letter that they sent to me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 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 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Debt collection

I signed up for the XXXX  home internet via the phone as they were having a sale for $ XXXX. The agent asked if I wanted to add my cell phone lines but I was still with XXXX at the time. I told him not yet as I want to see how the service is before moving anything over. He told me that he could send over 3 sim cards and that I can activate them at any time. So I agreed on the presumption that those SIM cards would not be activated. A few weeks pass by and I am not happy with the service so I go to cancel the home internet. I then find out that those lines were activated with totally different numbers and assigned to phones I don't have at all. I asked them in XXXX, XXXX and on XX/XX/22 at XXXX XXXX, I call and speak to XXXX and I explain the situation and told him those lines were " unauthorized activiated ''. He tells me that my complaint will be sent to the Fraud department and it would be taken care of. I don't here anything until I get a letter in the mail from a debt collector, looking for {$390.00}. I am not liable for this amount and if need be, I will get a lawyer involved to dispute this and also sue.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

The company does not work with me. I have been applying for lower monthly payments for the past 5 years and they always lose my paperwork so when I call they say I never applied even though I have the application number. I always get the run around and I can not ever speak with previous customer reps. I can not afford this my Mom was diagnosed XXXX XXXX XXXX XXXX. I need help.
Product: Credit reporting or other personal consumer reports

I filed numerous disputes and complaints against XXXX  requesting verification of the information that is on my credit file in absence of that i requested them to cease and desist furnishing my info on my credit report without my consent this is a violation of consumer law 15 usc 1681b permissible purposes
Product: Debt collection

Sa-Vit collection failed to respond my dispute within the time frame provided.
Product: Debt collection

On XX/XX/XXXX, I initiated a dispute with ASPEN NATIONAL COLLECTION to request verification and cessation of all collection and reporting activities until the debt 's validity is confirmed. However, to date, I have not received any correspondence from them. 

In addition to the verification request, I also highlighted several inaccuracies within the account, which I believe constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, wherein the furnisher of information is obligated to report accurate information to ensure FCRA compliance .

Among the inaccuracies are the absence of information from XXXX and XXXX, as well as a lack of details from XXXX, including monthly payments, number of months, credit limit, past due amounts, and payment history. These inaccuracies and incomplete information are crucial in disputing the validity of the account. 

Most significantly, I did not receive any notice from ASPEN NATIONAL COLLECTION within five days of allegedly receiving this account. This lack of notice prompted me to file a complaint, as I am unaware of this debt and did not receive proper notification. If ASPEN NATIONAL COLLECTION claims to have sent me proper notification, I request that they provide the certified mail receipt with my signature as evidence of receipt.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also any other documents they may have so that I can review and see if this is actually an account that belongs to me. They have yet to send any information at all.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i contacted Capital One to update my payment history. Capital One is reporting inaccurate and incomplete credit information. The credit report from all three bureaus show a history of payment or payments being made late that are not proven and are incorrect. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By Capital One reporting inaccurate information without my written consent first, they are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; Pursuant to all the facts I stated above, Ive forwarded written instructions as to what I, a consumer in fact, want removed from the my credit report as well as an updated payment history. I am demanding Deletion of inaccurate late payment history from all consumer reports and a Change of all payment history to paid as agreed or on-time I also DO NOT authorize any automated response or e- Oscar verification method.
Product: Credit reporting or other personal consumer reports

the company website was down on the XXXX to make payment, called XXXX  they informed you will be fine if you make payment by XXXX by XXXX i have attached copy of my payment that was done before the time, called XXXX to make sure that my account was not reported late since they took the money out onthe XXXX i have attached payment conformation, i called them yesterday the account manager stated your payment was on time and you will not have no late payment reported, this am i see they reported in all the three bureaus late, they need to remove the late payment on my report or remove my account i dont want to do business with dishonest companies, i have a right to opt out of reporting if its unfair and unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing disputes since XXXX of 2021 with XXXX, Transunion, and XXXX. XXXX  XXXX is reporting a past due balance that's against violation of my FCRA rights. Credit Collection is paid off and it's showing that's it not paid.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you mv identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report and these are suspicious to me : XXXX, XXXX  and XXXX/XXXX XXXX
Product: Credit card or prepaid card

At Lowe 's, associates encourage customers to sign up for the " store card. '' They do not clearly tell customers that this is a " credit card. '' Instead, they make it appear as if this is just another drug/grocery store club type card. This is not fair to customers who are not financially well educated and to the elderly. Store associates also emphasize how the card will save customers 5 % on purchases, while FAIL to mention that this card bears a 26.9 % APR ( in my case ) on those purchases! If I knew that I would get charged 26.9 %, I would never have taken the 5 % off deal. In this manner, Lowe 's is tricking customers into signing up for their credit card. Upfront, they need to be clear about the APR that they charge, not when they send the bill. Customers discover that they are being charged a high interest rate, a month AFTER they make all the purchases and through literature accompanying their bill. By then, it is too late not to sign up for the card, and customer has already been hit with a high interest rate. This is simply not fair to millions of hard-working Americans. Someone needs to stop this predatory and DISHONEST lending practice by Lowe 's.
Product: Debt collection

After writing to the company and informing them that I was only to be contacted via mail, not only have they continued to contact me, but they have begun to call my elderly father and discuss details with him.
Product: Payday loan, title loan, or personal loan

after recieving a call from the loan company, i agreed to make payments, i made a payment on line after falling behind from being sick. covic 19 came into play at work ours hours was cut. when i got a letter saying they would do a settlement i got the letter in mail so i called and tell me that they had filed a garnishment i explaind that i still had 5 days to take the settlement but the person said it was to late the letter reads lumpsum settlement or term settlement they didnt give me the chance to answer, i explained that i almost lost my home if it was not for the loan modiforcation on my mortage. i didnt think it was right to do me this way since we are under cov19.
Product: Debt collection

I am unaware of this debt. I didn't have the opportunity to dispute this debth. If in fact you believe that you gave me proper notification, then please send me the certified receipt with my name on it with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX XXXX. In regards to Experian XXXX XXXX Bank Acct # XXXX .... I have messaged Experian Many times with no help. I have PROVIDED DOCUMENTATION THAT THEY HAVE NOT LOOKED AT. This documentation is a payment statement provided by XXXX XXXX BANK, Attached to this problem, IF Experian were to LOOK at the document they would SEE that the account number matches the account number on my Experian credit report, would match the amount of the loan, and the open date.. Does not match : is that it was not XXXX through bankruptcy. On the XXXX XXXX Bank 's ( OWN ) Payment Report history, included with this compliant, The statement will show that the loan from XXXX XXXX Bank was paid with no late payments and was PAID IN FULL - PAYOFF XX/XX/2019 {$1300.00} ALMOST XXXX  YEARS AFTER XXXX BANK SAID THIS LOAN WAS XXXX. I request Experian to explain this DISCREPANCY. I would ask that XXXX XXXX Bank who took the money for payment while the loan was being PAID and excepting the payoff XXXX  years LATER???????????? XXXX XXXX Bank who has verified the data on the Experian report as accurate???????????
Product: Debt collection

I

was contacted by a company called H & R Accounts at my place of employment, regarding a medical bill. About one month later I received a letter of validation on XX/XX/21 including a detailed statement of medical procedures ( which did not release to them or any other entity ). I believe that is a HIPPA violation
Product: Credit reporting or other personal consumer reports

Per my credit report with Capital One it shows a balance on a closed charge off account also it states that my last payment was XXXX and XXXX and that is incorrect. My last payment was made in XXXX so XXXX, since this information is not reporting accurately reporting across all three credit agencies, I request to have this information removed from my credit report immediately
Product: Mortgage

I purchased a 2-flat. However, it was not a legal-two flat and I was unable to rent the second unit. As a result my income dropped and I fell behind on my mortgage. I have adjusted my expenses and I am able to afford a reasonable payment however I have been declined for a loan modification. I have filed a Chapter XXXX   bankruptcy which eliminated all other debt which strengthened my financial condition. 

Also, it appears that the value used to calculate the NPV is incorrect. I am being evaluated as a 2-unit and I am not a two-unit. Also, I am compared to brick properties and my home is frame. 

I would like to make sure that I am fully considered considering may unique circumstance and the fact that I do receive income and can make a payment on my mortgage loan.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds were unfeasible. The CFPDs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
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 Experian credit reporting agency, block information appearing on my consumer credit report within 4 business days of you receiving this complaint. My information was exposed in a data breach, and after looking at my recent credit report I have absolutely no knowledge of the alleged debt listed on my credit report. I am a victim of identity fraud.

Account : XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report cfpb claim # XXXX - According to the FCRA Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e you are required by federal law to verify through the physical verification of the original signed consumer contract. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it
Product: Credit card

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 which states ; I have the right to privacy 15 USC 1681 Section 604 ( a ) section 2 it also states, the consumer reporting agency can not furnish a account without my written instructions under 15 USC 1666 ( b ) a creditor can not treat a payment on a credit card under a open consumer file as late for any purpose.
Product: Debt collection

I have received multiple calls to my cell phone from the same number from a company called " Sunbelt Credit '' ( or "  Security Finance '' ac cording to my caller I D ). I  did n't answer the phone but they have left two voicemails so far, in which they asked me have my friend call them back. I am being harassed by a debt collector over a debt that is n't mine.     First call occurred on    XXXX  -2017  at  XXXX   XXXX  EST.   Second call occurred on   XXXX -2017 at   XXXX   XXXX  EST.