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

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaucomplaineds, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refinancing my home and was looking for the best rate. I reached out to a company called XXXX XXXX and spoke to someone named XXXX XXXX. I told her I had been talking to XXXX and they had pulled my credit score on XX/XX/2021 so I DIDN'T want XXXX to pull my score if it was going to be considered another hard inquiry. She told me it would not impact my score. XXXX sent me information from the CFPB website that says you have a 45 day window when it comes to mortgages inquiries. I told her she could pull the report but that was because I was under the impression it would NOT count against me. I have written to all 3 credit agencies and they told me the window is 14 days. They have said they will not remove the inquiry. The inquiry I am disputing is from XX/XX/2021 XXXX XXXX lending via XXXX XXXX. I wrote to XXXX XXXX but the letter was returned saying they had moved with no forwarding address. I would like this hard inquiry removed my credit.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure complete accuracy. Here is the account I am asking you to verify. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

received a notification that some company by the name of amsher collection had added an ac count to my credit reeport. I have no clue who they are. they have not sent me a piece of mail allowing me to dispute or to say yes or no I am familiar with what they are talking about. I don't have a clue as to what they are talking about or who this company is that they claim to represent.
Product: Checking or savings account

We wrote a check in match or XXXX at XXXX - woukd not go through due to telecheck. Had to call them to get the check okayed. And they are foreigners asking all personal information. In XXXX  we went to XXXX  an XXXX grocery store- same thing happened- again called the company. And again foreigners asking personal information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear XXXX/DEPT OF ED I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX * Original Creditor : DEPT OF EDUCATION * Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, XXXX have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt. 
I kindly request the following actions : XXXX. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations. 
XXXX. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW XXXX. XXXX/DEPT OF ED- {$1000.00} - XXXX. XXXXDEPT OF ED - {$1700.00} Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

The only address that should be listed on my credit report is the current address, which is the address presented on my driver 's license. According to consumer laws 15 U.S.C 1681 listed below it is not fair, nor does it give me any privacy to list and display addresses where I do not reside to be included on my credit report. Especially if I didn't consent to them being listed per any written instructions. These addresses provide incorrect information to supposed creditors, and can open the gates of fraudulent activity via mail when sent to a residence I no longer reside. In most cases the occupant of that address will open that mail, and can use that particular information fraudulently to open or reopen accounts, etc.

15 U.S.C. 1681 Section 602 A - says I have the right to privacy.

15 U.S.C. 1681 A ( 4 ) - states consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 - Consumer reporting agencies may not furnish account information without my written instructions.
Product: Mortgage

I received a collection notice from a subservicer of my mortgage company. They said that I do not have documentation regarding hazard insurance and threatened to buy insurance for me. This is in spite of the information having totally transferred over from the previous sub-servicer and the information actually being online.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, ZILCH, XXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found XXXX updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. 

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). 

Here are the accounts in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this erroneous late payment IMMEDIATELY! 


Also, pursuant to 15 USC, section 168li ( d ), please notify me in writing when these accounts have been removed or corrected. 

Thank you so very much for your help and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows 30 days late payment from XX/XX/2020 in the amount of {$670.00}. This account never has had a late payment. Please correct this incorrect information on my credit report.
Product: Debt collection

on XX/XX/2016 medical data system has tries to collect a dept I do not owe them I have never signed or agreed to do business or have any contract with medical data system
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$630.00} Late Payment was Submitted 1ST Progress Credit Card XX/XX/XXXX, XX/XX/XXXX Late payment was submitted In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include- ( LIVE any report containing information solely as to transactions or experiences between the + consumer and the person making the report ; 956 15 USC 1666B : A creditor may not treat a payment on a credit card account under an XXXX open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.
Product: Credit reporting or other personal consumer reports

i Recently paid of and settled a debt with a company known as XXXX XXXX and it was supposed to report to my credit reports across all three bureaus but it hasn't yet
Product: Credit reporting, credit repair services, or other personal consumer reports

My first dispute was sent on XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. XXXX  is refusing to remove 4 items from my credit report. They are XXXX XXXX XXXX XXXX   XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX. I want these blocked from my report. I received results that these were verified so I called on XX/XX/XXXX to start another investigation. I just want these items removed completely instead of them XXXX them out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau ( s ) is advising they received information from a 3rd party source regarding a bankruptcy attached with my social security number and name. Credit bureau did not provide any documentation but advise we verified ... Ive asked for an investigation not to verify information. I also, have proof that I am not in any such database and my information ( social security, name, address ) has been blocked and not shared with any 3rd parties. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at  this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this documentation because my credit score is  important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

Record Type Chapter XXXX bankruptcy petition Date Filed XX/XX/2017
Product: Debt collection

I EXTENDED MY LEASE ON MY APT AND HAD PERMISSION TO STAY ANOTHER 2 MONTHS AT THE SAME RENT ON CONTINGENT I MOVE OUT FOR XXXX XXXX 2014 WHICH I DID ATTACHED IS A LETTER FROM THE LESSOR XXXX XXXX XXXX SHOWING XXXX BALANCE FOR RENT AND XXXX BALANCE FOR DAMAGE SO THEY WERE ABLE TO APLLY NY SECURITY DEPOSIT TOWARDS THE LAST AS OUR AGREEMENT I RECIEVE A LETTER THEN A PHONE CALL THAT THEY HAVE SENT IT TO COLLECTION I CONTACTED MY REAL ESTATE ATTORNEY AND HE FORWARDED A LETTER WITH A COPY OF THE STATEMENT
Product: Credit card or prepaid card

On XX/XX/2019 in an attempt to reduce the amount of interest charges on a current credit card debt I read over a mailer I received for a Discover It Business card offer. The terms and conditions listed that Balance Transfers are offered at 15.24 % APR and a fee of 5 % of the transferred amount followed by the rules/regulations governing balance transfers. Knowing that this cards rates and fees will save my company money in interest charges, I applied online. During a required phone conversation I was approved for the card, at which time I inquired about the Balance Transfer procedure. The representative replied with this card doesnt offer Balance Transfers. Thinking that the rep had made a mistake I informed her that the mailer I received said otherwise. She apologized and said their must be a typing error ... our business card doesnt offer Balance Transfers! Of course I was angered by this, the sole purpose of applying for the card was because of the advertised Balance Transfer options! Not only was I misled by their fraudulent documents, they have placed credit inquiries with XXXX  that will affect my credit score when applying for a card that does offer Balance Transfers. I have canceled the card and simply want Discover to take steps to remove the inquiry from my credit report! To which they have responded that they can not. 

This is false and misleading advertising.
Product: Checking or savings account

On XX/XX/XXXX BofA charged my account a fee. I asked for an appointment to determine the reason for the fee. The bank associate at XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX reviewed my entire account history to inception of XX/XX/XXXX and called me to talk about specific deposits made to an investment firm dated in XX/XX/XXXX. This is in no way related to my inquiry, and was done without my consent. This was a violation of my privacy. I have made several calls and complaints and received no return calls. My initial issue over the fee was not addressed or resolved.
Product: Credit reporting or other personal consumer reports

Account Number : XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX This account is being reporting multiple inaccuaries and late payments. The account is show monthly payment amount and balances are different all credit bureaus. XXXX is reporting a XXXX balance. The date of the account and date last active being reported is inaccurate across all credit bureaus. 

This account needs all late payments removed due to a ton of inaccuraices and timing payments are not being reported accurately. Regards to section FRCA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 


Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!