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

in XXXX and XXXX XXXX XXXX  and XXXXXXXX XXXX post late payment on my credit profile. I called the company and asked why was it posted on my credit profile without my permisson. I asked that they send me legitimate document from me giving thme permission to furnish this type of personal info to other who are not privy to it. they said that they didnt have to becuase its on the staement. I asked if it was a statement that they sent and they said yes, I said a billing staemment isnt authorization from me to allow them to see that information. that is personal and private and my rights under the FCRA Their violations include 15 USC 1681a Definitions, rules of construction 15USC 1681s2 Responsibilities of Furnishers of Informatiion to Consumer reporting agencies 15USC 1681 2 ( a ) ( i ) Exclusions
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against EQUIFAX for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX XXXX XXXX XXXX ( Account # XXXX ) 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information. 
Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Mortgage

Flagstar negligently handled accounting of my mortgage and my payment of {$2300.00} wasn't applied to my loan and became a " Suspense Account ''. After many attempts for me to get them to fix that they still didn't comply and to make the matters worse they reported late payment to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately. 
The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. I Request you add fraud alert to my account. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit card

I've been a customer with Chase for 16 months, opening a credit account with them in XX/XX/XXXX, with a reasonable credit limit. Over those 16 months, I have made timely payments ( most of which have been earlier than the due date ) and have normally paid well over my minimum monthly due. Today, XX/XX/XXXX, I received a notification that my credit limit had been reduced by XXXX XXXX since, according to the credit report that they pulled without my knowledge, that my " credit usage was high '' and that I apparently have a " history of low payments relative to balances. '' It is beyond reason that when I was issued the card, my credit score was actually XXXXXXXX XXXX XXXX  than I have right now. Regardless of how many open accounts one might have, or what each account is owed, credit agencies roll those markers of credit worthiness ( among others ) into your overall score. None of my other creditors have taken this action, an action that in and of itself lowers my credit score due to the reflection of a decreased credit limit amount that is now posted on my credit report. Apparently, Chase 's ideal customer is one who makes minimum payments, maybe even late ones that inflict fees, and keeps carrying high balances. However, if make timely ( or early ) payments, and pay higher amounts than the minimum monthly payment ( to offset the interest on the remaining balance ), they have a team that, unbeknownst to me, pulls your credit report, reduces your credit limit and negatively affects your creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Below are the list of accounts need to fix : XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX XXXX Owed : {$7100.00} ; XXXX XXXXXXXX Balance XXXX : {$3000.00} ; XXXX XXXXXXXX Balance Owed XXXX {$1700.00} XXXX XXXX XXXX Balance Owed : {$3400.00}.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX  - {$4900.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX  - XXXX - {$4900.00} Late Payment XXXX XXXX XXXX - {$130.00} Bankruptcy XXXX XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX
Product: Credit reporting or other personal consumer reports

XXXX please remove all credit inquiries on my credit report they are fraudulent, I did not authorize these inquiries, my information was used and someone committed fraud against me, my information was leaked on the dark web, there have been data breaches, Im going to attach the screen shots of my report with all these credit inquiries, I want these removed immediately, I have a credit freeze on my report, I do not want a fraud alert.
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report is showing a bankruptcy that, according to my information, has already been XXXX. Additionally, the filing and closure dates differ between the different credit bureaus, which has caused me great concern and difficulties in my financial dealings. 

Specifically, the erroneous information is found in the Equifax report and does not match what is reported in XXXX and XXXX. I request that this situation be investigated and that this bankruptcy report be removed from my credit report as soon as possible. 

Federal ( Reference Number:XXXX XXXX  XXXX Bankruptcy XXXX ( Reference XXXX XXXX XXXX XXXX TX XXXX XXXX ( Reference XXXX ) This situation clearly violates 15 USC 1681 Section 604 ( a ) Section 2, so its removal must be a priority.
Product: Student loan

I am currently enrolled in Discover Student Loan system. 
When I signed up, I was aware that I have grace period of 6 months after estimated graduating ( to find a job to start repayment ). However, As soon as 1 year mark ( which I was enrolled in school, when I did n't have to pay back ), I got a notification from XXXX, collector saying my first bill was due this month. I have n't finished my degree, therefore, I 'm still a XXXX student, and I can barely get my ends meet. And couple days ago, I heard that Discover was fined and as I was reading through, I found that I have to contact CFPB.
Product: Payday loan

I have a judgement listed on my credit report for 1 Stop Cash from XX/XX/XXXX from the XXXX Al Location. Well i dont remember any details from this account its says that I owe {$410.00} to this place. Well the issue here is is I applied for a mortgage and this judgment shows on my credit. The mortgage company wants me to satisfy this judgment before they will enter the homebuying process with me. I went to this location of this alleged one stop and its out of business since XX/XX/XXXX. then i proceed to the courthouse for more information and all they had was a docket # with no details and stated that I had to pay the owner. Well if the owner is nowhere to be found how can i settle this debt. I 'm not trying to avoid the payment i just want a home as i will soon be homeless. My landlord gave me thirty days to purchase this home because he wants to sell it. If i ca n't pay the courts and ca n't locate the owner this situation can never be rectified. It my understanding that a public record stays on your file for at least 7 more years after its satisfied well that means if the owner supposedly dropped off the face of the earth then it will remain permanently. I 'm severely irritated by this matter and it causing me extreme stress. As a consumer who wants to start over and right any wrongs that may have occurred i feel as though I 'm not afforded that opportunity to do so. Someone please help me in regards to this matter I desperately need assistance thank you.
Product: Mortgage

I did not give consent or authorization of any kind to this company to have my information or come after me for an alleged debt ( identity theft ). I did not give consent for this company to contact me in any way, shape or form. In XX/XX/2021 I was contacted through the XXXX postal service that I owe them an alleged debt ( this is also postal fraud ). On XX/XX/2021 I sent a letter to them letting them know the fraud that has been committed by them in my name and I have yet to hear back from them. I have been paying my them and never entered into a contract with them.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX 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. 

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

In XXXX of XXXX, I took a XXXX  dollar 84 month installment loan from XXXX XXXX through Sun trust INC. I used XXXX dollars of the XXXX  loan to make purchases at XXXX XXXX. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX/SUNTRUST Inc has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX nc XXXX Investigation Request Letter To Whom it May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I spoke with my lawyer he said you have 30 days to complete this investigation. And remove these accounts that you knowingly know that are inaccurate under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Please investigate the following accounts and remove them Accounts Account Name : XXXX XXXX Account Number : XXXX Account Name : CHILD SUPPORT ENFORCEM Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Please remove and send me a copy of my updated credit report and all information that was used to validate each alleged debt I need to know the full steps that was used and all information proof of what was used to conduct this investigation
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXX XXXX XXXX Reporting Practices under FCRA Dear CFPB, I am writing to formally submit a complaint regarding XXXX XXXX XXXX handling of my account, despite my communication regarding the impact of COVID-19 on my financial situation. I notified XXXX XXXX that I was affected by COVID-19 and arranged for a payment plan during this difficult period. However, XXXX XXXX has failed to properly update my account status in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this law, XXXX XXXX is required to provide accurate and timely updates to my credit report, which they have not done. I kindly request your assistance in ensuring that XXXX XXXX corrects my account information and complies with FCRA regulations. Thank you for your attention to this matter. 

I was also a front line worker and registered nurse. during that time i suffered a XXXX and has COVID throught this 2 year term
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. 
I am writing to complain on XX/XX/XXXXfor their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX/2020 XX/XX/2020 XXXX/XXXX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XXXX XXXX XXXX Credit pull from my credit report, on XXXX XXXX XXXX pull from my credit my credit report, and on XX/XX/2020 XXXX XXXX XXXX  pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.
Product: Debt collection

My name is XXXX XXXX. I have new information associated with prior complaint # XXXX. On XX/XX/2022, NAVIENT received a letter requesting information for the purpose of validating an alleged debt. It is now XX/XX/2022 and no correspondence from this company has been received. NAVIENT has purposefully ignored my request for validation of the alleged debts, thus violating my federal rights. NAVIENT is still illegally reporting negatively to all consumer credit reporting agencies, which is another violation. 
If documentation in the form of account ledgers, promissory notes, disclosures, etc are not received from NAVIENT, 5 days after receipt of this complaint ; it will be assumed that the alleged accounts are not valid and all collection attempts must cease. Also, all accounts must be deleted from all consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

The following hard inquires on my credit report { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act section XXXX ( 15 U.S.C 1681i ) Unverified inquires must be removed. i have no knowledge of these inquires that are reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I always make my Mortgage Payments using Bill Pay from My XXXX  XXXX XXXX to wells Fargo Mortgage, On XXXX they claimed they never received my payment an charged a late fee ... .. had to call them everyday with long hold and wait, customer service wasn't helpful at all .. i had to do all the work and get them XXXX XXXX XXXX on the phone and had them send all the paperwork to wells Fargo, yet wells Fargo never returned my calls with a resolution i had to call back again. Then they informed that they have to take the payment to my credit card, because it was applied there!!!! 
it's very confusing and hard to track. 
I pay my credit card in full all the time now i dont know about charging it to pay my mortgage that i already paid!!!!
Product: Checking or savings account

hi, my bank is Citizen Bank and im there customer at lease since 2014. 
i renew my home equity loan and last month, lender send me XXXX check to pay off my credit card by mistake i deposit those check ( on XX/XX/XXXX ) to my personal account ( all check was under my name ). after that these check was refunded to lender and bank closed my account and hold all my money. 
i didnt receive any call or email regarding to the fraud issue, suddenly i received an email my account get minus and right away i put a money back. they told me my account dont have money but they didnt contact me my account is closed. 
i called the week later on XX/XX/XXXX to figure out why my online banking doesnt work and they said my account closed and they can not do anything. 
yesterday on XXXX my mortgage lender called me and said citizens took the money back from them and i need re pay them ( they told me i can pay that ). 
when i called them in XXXX time today on XXXX they told me my account under review and im not able to touch the money. still till XX/XX/XXXX ( today ) no one called me to see what was the reason and why they labeled me as fraud and close my account for honest mistake. 
to hold my money since XX/XX/XXXX and im not able take them out. 
they said they gon na send my money on XXXX. and thats take up to XXXX business day. 
if that happens they held my money for almost a month with label me as fraud.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX