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

I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then submitted a police report about my identity theft, dating back to XX/XX/XXXX of when the police report was filed. 
Since then XXXX, Transunion, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still unaddressed concerning this and it has been since XXXX XXXX, XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my XXXX, Transunion, and XXXX Credit Report.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : XXXX XXXX XXXX : XXXX Original creditor : XXXX XXXX  XXXX with account number : XXXX XXXX account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on XXXX, Transunion, and/or XXXX  can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX are Fraudulent. I have sent in FTC complaint several times, police report identity report documents were sent certified mail. They were very rude to me on the phone. Equifax clearly violated my consumer laws which i been a victim of identity theft. 

Alo the inquire below are also fraud Hard Inquiries Inquiries that may impact your credit scores. These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  Dispute this
Product: Debt collection

A debt was charged to my credit by a person with the same name. 
Called the debt collection company on XX/XX/XXXX, and they removed the debt from my credit. 
They reissued the same debt XX/XX/XXXX. 

This is not my debt. 
Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX {$1500.00} - - - Address XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1500.00} Original Creditor XXXX MOBILITY Past Due {$1500.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Immediate Deletion of Inaccurate Account from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions. 

The inaccurate account entry is as follows : Creditor Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that this account entry is inaccurate and violates my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws. 

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of this inaccurate account from my credit report unless the creditor wishes to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditor and any consumer reporting agencies that continue to report this inaccurate account on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate account from my credit report and provide me with written confirmation of its removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I recently looked at my credit report and was surprised to see my auto loan reporting 30 days late as of XX/XX/2020. I do not know how this could have happened and had no idea that my payment was going to be late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO CFPB COMPLAINT XXXX, I RECEIVED THIS EMAIL FROM BOA REGARDING CONTACTING THEM TO VERIFY I MADE THE COMPLAINT. I UNDERSTAND THE NEED TO TAKE SECURITY MEASURES HOWEVER, I DIDN'T MAKE THE COMPLAINT, I COULD NOT IMAGINE THE CFPB SENDING IT TO BOA ON MY BEHALF. STALLING AND GUILTY!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that was not reporting accurately. I have found numerous of inaccuracies reporting to a account. This account was charged off on the following date XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

This is the information given to me. I was told I couldnt pay it anywhere but through him on the phone. I asked if there was an online site and he said no multiple times. He said only way was to give him my card information. It happened XX/XX/2022 around XXXX. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

I did not get notification of an alleged debt that should have been paid in full by my medical insurance. 

There was no communication from this debt collector and the Collection Agency reported this negative trade-line in my credit report without giving the option to dispute to dispute and ask validation of the debt, I need all the documentation, with payments applied by my insurance and I believe this XXXX XXXX XXXX overcharged me for the procedures performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian wont allow me to view my credit score or access the account. i've contacted there technical support team several times with no resolution. im unable to dispute or view their credit errors and ive reached out to them and requested them to fix for months.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Dispute of Charged-Off Accounts Under FCRA 15 U.S.C. 1681s-2 I am writing to formally dispute the reporting of charged-off accounts associated with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and any related entries on my credit report. I believe these accounts are being reported inaccurately, incompletely, or unverifiably, and I request their immediate investigation and permanent deletion from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 and other applicable provisions.

Account Information : Creditor Name : XXXX XXXX / XXXX XXXX Creditor Name : XXXX XXXX XXXX Reporting Agencies : TransUnion Under FCRA 15 U.S.C. 1681s-2 ( a ), furnishers of information bear the responsibility of ensuring the accuracy and integrity of the data they report to consumer reporting agencies. Furthermore, FCRA 15 U.S.C. 1681i ( a ) obligates credit bureaus to conduct a reasonable investigation of disputes and to delete or correct any information that can not be verified as accurate.

The continued presence of these accounts on my credit report constitutes a violation of my rights under the FCRA. If XXXX XXXX and its related entities can not provide documentation verifying the accuracy of these accounts, they must be permanently deleted. Additionally, FCRA 15 U.S.C. 1681c ( f ) prohibits the reinsertion of deleted information unless the furnisher provides certification of accuracy and notifies the consumer within five business days, a standard which I demand be upheld.

To resolve this dispute fairly and amicably, I request the following : An immediate and thorough investigation into these accounts by the credit bureaus.

Permanent deletion of these accounts from my credit report if their accuracy can not be substantiated.

Written confirmation that the disputed accounts have been removed and will not be re-reported in the future. 

Assurance that XXXX XXXX and XXXX XXXX XXXX, and related entities comply with all relevant legal standards and refrain from reporting inaccurate or unverifiable information moving forward.

Please be advised that failure to comply with the above requirements may subject the involved parties to liability for damages, including statutory damages, attorneys ' fees, and other legal remedies as provided under the FCRA. I request that you complete your investigation within the 30-day period mandated by law and inform me of the resolution in writing.

Thank you for your prompt attention to this matter. 

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

I have an ftc report which I had back then but I lost since my XXXX XXXX this is not mine these accounts are not mine. I owe nothing to anyone
Product: Debt collection

In XXXX I default on tuition owed to XXXX XXXX  XXXX XXXX WI. In XXXX the debt was sold to kohn law firm. XXXX  discharge the debt. In XXXX Kohn was informed I lacked the financial ability to pay. In XXXX Wisconsin 6 year statue of limitations ran out to collect. It is XXXX Kohn is try collect on XXXX year old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report is shows i tried to open a credit card with the store names XXXX on XXXX XXXX 2021. I did not open any credit cards with any store. I would like it remove from My credit report
Product: Credit card or prepaid card

This company claims the credit scoring system " predicts '' my creditworthiness. 
All their predictions have been false. 

The balance on the account was {$0.00} for the life of the account. 

The reasons they cited are : >Lack of real eastate secured loan information >Too many revolving accounts with high balance compared to credit limit >To few accounts paid as agreed >Delinquent or derogatory status on auto accounts is too recent Points # 2 and # 3 contradict each other. This is insanity! 

Credit score used is not accurate.
Product: Student loan

I have called multiple times concerning my current loan repayment plans. They gave me listed as four months in delinquency ( which I am not, even according to their documents ), and when I ask them why, they tell me that they are not sure. When I ask for more info, we get " disconnected ''. I keep calling and nothing gets solved. My payments are showing as being credited to the right accounts, but when I call, I get different answers. I have been told four different amounts due today by four different representatives. They told me once today that I needed to lay over the phone a different amount, and I did, but apparently they credited the wrong account. Now I have to pay more. I need help please!!!!
Product: Mortgage

Got a call XXXX in the afternoon on my cell phone. XXXX Mortgage representative told me that there had been a mistake made on their end doing the tax analysis. First off, XXXX mortgage bought the loan from my prior mortgage company. Prior mortgage company charged appropriate taxes in escrow and there were zero issues. XXXX purchased the mortgage and apparently did not notice the mistake made until XXXX? 

They told me I owed roughly XXXX in taxes and starting in XX/XX/2024 my mortgage payment doubles to make up their mistake. I told the representative that I do not have XXXX nor the finances to cover in increase in double the mortgage payment. At what point is the mortgage company liable for their mistakes made. Also, who else have they done this to and how can an average homeowner afford to make double the payment? 

First step was to file this complaint. Second, was probably reaching out to an attorney to help with this matter as I assume Roundpoint will not make this right especially after looking at class action lawsuit against them and their horrible reviews. 

Roundpoint Mortgage was negligent in conducting a proper tax analysis when taking over my loan and confirmed that was not even done when they took over my loan after speaking with representative. 

I am reaching out to file this complaint to search for any help with this matter as I am completely blindsided by this and should not be responsible for this companies negligence. I have also requested that a supervisor call me within 24 hours as they made note on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX  XXXX XXXX XXXXXXXX XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : 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 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 XXXXXX/XX/XXXX