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

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
The specific accounts and inquiries that need to be blocked and deleted are as follows : Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have asked XXXX to furnish proof that indeed this account on my credit report is mineThey are not validating and said they do n't have anything listed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my Heloc loan was transferred from XXXX to SLS ( Specialized Loan Services ). XX/XX/XXXX of {$1300.00} I made the first payment which SLS could not locate for 3 weeks. SLS continued to call and tell me my account was delinquent even tho payment had cleared and I have receipt confirmation from them of my payment. SLS stated that my account was under maintenance due to the recent transfer from XXXX and this could take up to 60 days to sort out and that I would not be charged any late fees during this time that my account was showing delinquent. 
XX/XX/XXXX made my next payment of {$830.00} even tho my account was still showing delinquent. 
XX/XX/XXXX {$820.00} made 3rd payment although account account still showing delinquent and receiving phone calls about my delinquent account regularly and having to explain to SLS that my account is current, but they have informed me that my account is under maintenance. 
XX/XX/XXXX made payment {$780.00}. Account is now showing as current for the first time since XX/XX/XXXX. 
XX/XX/XXXX made payment of XXXX as they now have my account showing as past due again of {$780.00}, so made the payment of {$790.00}. Received multiple phone calls that my account is past due. spoke with another rep from SLS who stated my account is again under maintenance due the the transfer from XXXX, but I will not be charged any late fees although they are showing my account is past due. 
XX/XX/XXXX account still showing as past due, paid monthly payment states I owe {$780.00}, but when paying online it says that {$780.00} Is past due and I need to pay {$790.00}. spoke to rep from SLS who stated my account will take another few weeks to show current, but not to worry as they are not charging me late fees. Called back end of XXXX as I'm concerned now that it's showing in my account online that I am 90 days past due. SLS stated not to be concerned that the account is still in maintenance. 
XX/XX/XXXX now account is showing I owe a past due balance of {$970.00} even tho amount due is showing {$790.00}. Paid SLS {$790.00} as my account is not past due. Called customer service who stated that my account will show current by XX/XX/XXXX and and to call back to make sure it's been done. I've called SLS almost daily since XX/XX/XXXX as I wanted to give them an extra day. My account is still showing delinquent. I have asked them to send me statements of my account since XXXX of XXXX. I have never received a statement of my account or my payments. 
When I've asked to speak with a manager since XX/XX/XXXX to current date, I am told that I will receive a phone call within 24-48 hours. I've not once received a phone call from a manager. I pay online and print out my email receipt monthly as I do not trust them. I need them to REVERSE ALL DEROGATORY REPORTING OF MY ACCOUNT THAT IS MORTGAGE RELATED ASAP. All my payments have been on time to Specialized Loan Services and I've also paid over the amount that showed due and still they are showing my account is past due.
Product: Debt collection

I am not liable for this debt with XXXX  XXXX XXXX  XXXX and I do not have a contract with MIDLAND CREDIT MANAGEM  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identify theft. Multiple inquiries and accounts were opened on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep a close eye on my credit report and XXXX scores and continue to see Experian is the only Credit reporting company that give incorrect information. All other scores from my credit card companies show my score well over XXXX, yet Experian continues to show it under XXXX, to be exact XXXX. The reason they give is Serious Delinquency which I am aware of because I co-signed for my daughter on a house mortgage. But my concern is when they say : Few accounts paid on time : When I get a bill I sent it out the very next day on every bill I receive. I take pride in paying my bills on time. Next : No Loan Activity : Why should I have loan activity. When I bought my last vehicle I had 3 years to pay the loan and I paid it in just over 1 year. Next : No credit card activity : I use my credit card at least 10 times a month buying gasoline, XXXX. monthly bills. Experian just wants me to sign up for their membership account, and keeps giving false information until I do so. Experian is a fraudulent company and should be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I make a complain on XX/XX/2022 ID XXXX to CORELOGIC CREDC The reason they improper use of my report, they today response that send me a letter and they not receive any information for me, That information is false, I send a fax to they to the number show me in a letter, this is ( XXXX ) XXXX, is very irresponsible That afirmation, I have a copy of the fax that I send from XXXX XXXX XXXX for this reason I need reopen my case, because they are traet my case without attention that this matter need, they make me a serios damage in my credit report without my consent
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following account from my file. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for any debts with these corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent in several notice of trespass and notice of intent certified and registered mail. To these companies and have reported them to the XXXX  with no resolve. They are in violation of RICO 42 USC 408 and 15 USC 1681 I have the right to privacy and I do not have any contracts with these corporations in wet ink signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with Experian on XX/XX/2021 for the dismissed bankruptcy and accounts included in my XXXX that is on my credit. I have not been receiving any type of notification that they are even investigating the disputes let alone sending me the responses of their investigations! Because of this lack of communication and notification, I sent another dispute on XX/XX/2021 and XX/XX/2021. Experian has stated once that they verified my XXXX but that's not possible since my XXXX XXXX report is frozen and doesn't allow to verify nor does it even show the bankruptcy because it's frozen!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TRANSUNION, I am writing to dispute the inclusion of several hard inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681-B, consumer reports can only be provided for permissible purposes, such as an extension of credit. However, these hard inquiries do not appear to fall under any permissible purpose, as they were never involved in any extension of credit. 
I would like to request that you remove these hard inquiries from my credit report, as they were not authorized by me and were not related to any credit transaction. The inclusion of these inquiries is having a negative impact on my credit score, and I believe it is unfair and inaccurate.

I understand that under the FCRA, consumer reporting agencies must investigate and respond to disputes within 30 days. I request that you promptly investigate this dispute and remove the hard inquiries from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to see unauthorized inquiries appear on my credit report today, and I dont know why. I check my credit report regularly, but this time there were unexpected discrepancies. I tried refreshing my browser to rule out a glitch, but the inquiries are still there. I need this handled immediately, and Im beyond frustrated. Please ensure the documents I provided are thoroughly reviewed so I dont have to face this issue again.
Product: Credit reporting or other personal consumer reports

I contacted Experian about my identity being stolen and we talked about everything wrong never took it off the credit report nor did they help me in any way or form and I paid them for years I am so upset I can cry I'm broke no money everyday is hacked please help
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I started good With Capital one but XXXX car rental keep charging me unexpected over the balance of My Credit limit which causes My account to close messed up my Credit Score which i think thats really unfair i want to file a dispute of this hard inquiry thats Been address to my Credit report unfair thanks for understanding may god bless.
Product: Credit reporting or other personal consumer reports

Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The effectiveness of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I was never late, this is against TILA US Code 1666B. 

I discovered an inaccurate late payment record on my XXXX XXXX  account [ XXXX ] when I just looked over my consumer report. I have consistently made my account payments on schedule. According to the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information on my Transunion, XXXX and XXXX credit report
Product: Credit reporting or other personal consumer reports

My account with SELF / LEAD was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

SELF / LEAD Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Vehicle loan or lease

I traded my purchase loan vehicle into XXXX XXXX  XXXX XXXX to start a lease on a new vehicle. I requested a loan payoff good thru the XXXX of XXXX from PenFed. XXXX XXXX  XXXX XXXX sent a payoff check in XX/XX/2021 and have proof it was signed for by XXXX. at XXXX on XX/XX/2021. To this day my account shows that I am due for the XXXX payment of {$1300.00} and the remaining loan amount of {$39000.00}. Since then I have called in over 3 times to get this resolved and I have been told it was being investigated, that it will soon post, and not to worry about it. To this day nothing has been done and I am receiving various types of notifications that my loan is in default. This is obviously in violation of FDCP regarding my loan that should reflect a paid in full status! I need this to be resolved ASAP!!!!!
Product: Checking or savings account

JP Morgan Chase received a deposit of {$300000.00} not included tax fee 's. Thirty days after this deposit XXXX XXXX set up a unauthorized invesment account # XXXX was opened without contact. 
On XX/XX/XXXX {$80000.00} On XX/XX/XXXX {$52000.00} On XX/XX/XXXX {$51000.00} this continued until the savings account # XXXX was EMPTY. 
PLEASE SEE ALL ATTACHMENTS.
Product: Mortgage

My wife and I, with the help of a local law firm, submitted an application in XX/XX/2019 to Ocwen Mortgage Company, for a short sale of our home. We included all required documentation including a fully ratified contract from a prospective buyer of the home. Ocwen wasted time and did not process our application in a timely manner. Then we received a letter in XX/XX/2019 that Ocwen had joined forces with PHH Mortgage services and PHH had become the new servicer for this account. The prospective buyer dropped out after waiting 3 months for an approval which never came. We updated and resubmitted all documentation to PHH, which we did in a timely manner in XX/XX/2019, along with a ratified contract with a new prospective buyer. On XX/XX/19 we received a letter from Ocwen / PHH saying "Thanks for submitting the request for mortgage assistance. We have reviewed the application and documents submitted. The application is currently COMPLETE as of XX/XX/19 and we do not require any additional documents at this time to evaluate the request for help..."Since late XX/XX/2019, both I and my representative from a local law firm have repeatedly called, have been put on lengthy holds, and have been transferred from person to person, only to find that NOONE HAS REVIEWED OUR APPLICATION AND SUPPORTING DOCUMENTATION.  We are very concerned that this prospective buyer will drop out like the last one did due to lack of progress, and that this home will go into foreclosure. All of this could be avoided if PHH's Short Sale Dept. would only review and approve our thorough short sale application and supporting documentation. Thank you in advance for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ACCT # XXXX is trying to collect on an unknown debt in the amount of {$1000.00} dated XX/XX/2015. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Product: Debt collection

Sunrise debt collector started contacting me about a supposed debt for {$99.00} from XXXX XXXX. This debt was due to a fraudulent charge from XXXX XXXX. Sunrise has not responded to my attempts at XXXX  and has not provided any way to resolve the fraudulent debt. Despite not responding my attempts at contacting them to resolve this, Sunrise has continued to send messages and make phone calls to collect this fraudulent debt.
Product: Debt collection

Rec 'd call from a Mr.XXXX twice now XXXX - approx 1 min. 
Tuesday XXXX XXXX - XXXX - Asking me to verify my birthdate - I explained I don't give out personal information over the phone - contact me by email. Identified himself as Mr.XXXX ( sp? ) with XXXX XXXX XXXX. 

XXXX - 1 min. 
Wednesday XXXX XXXX XXXX - Asked for my name/Acknowledged " XXXX ''... once again identified himself with XXXX XXXX - asked me to verify my birthdate - told him yesterday I don't give out personal information over the phone - asked again who he was with - he said CARE CREDIT - I said don't call me again - I'll contact you. Again identified himself as Mr.XXXX with XXXX XXXX XXXX. 

After my call to Synchrony Bank ( they represent CareCredit and recorded conversation ), they explained they would never contact me requesting this sort of information. I called to speak with the Fraud Dept. so they have record of this misrepresentation of their company and services by XXXX XXXX XXXX. 

I then researched and found this link, verifying there have been multiple violations by this company... and so, now I'm reporting it to you. 
XXXX XXXX XXXX I have since blocked those numbers on my cellphone. 
Thanks for your assistance and your important work. 

Best Regards, XXXX.
Product: Credit card or prepaid card

I received a letter dated XX/XX/XXXX from US Bank. The letter begins with " Important information about your US Bank Platinum Visa Card account. It goes on to inform me that my credit limit is being decreased by {$500.00} based on the information that the 'account is currently inactive. ' US Bank 's decision was based on information from XXXX  consumer credit reporting agency. The letter goes on with the usual boilerplate data indicating that US Bank obtained my credit score from XXXX  and US Bank 's credit decision was made using XXXX  's data. '' I DO NOT have a credit card with US Bank! In XX/XX/XXXXI had a mortgage with US Bank which was sold to another lender. I also had a checking account with US Bank that was associated with the mortgage. To make a long story short, the checking account was set up by US Bank specifically for this mortgage ; I did not have to pay any monthly fees because of the associated mortgage, yet each month I was charged a fee and each month a banker would reverse the fee. It turned out that the banker who reversed the monthly fee always used the reason that I was a military widow. Although I am a widow, my spouse was NEVER in the military. I decided that US Bank was unethical in it's practices and wanted nothing to do with them. 

I took the checking account checks as well as the debit card associated with the checking account into the bank and sat there as the banker closed everything. I hate doing any sort of business with these dishonest people so you can appreciate why this upsets me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Und

er the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

THIS RIGHT HERE IS MY XXXX REPORT AND IT SAYS I HAVE NO COLLECTIONS OR BANKRUPTCY IN MY CREDIT FILE SO WHY IS XXXX ENTERTAINING THIS DEBT, WHICH IS INCORRECT. XXXX XXXX  TOLD ME I NEED TO CONTACT XXXX TO REMOVE AND DELETE COLLECTION TO UPDATE MY CREDIT REPORT, AND THEY ARE SUPPOSED TO CONTACT CREDIT KARMA TO UPDATE CREDIT REPORT AS XXXX IS HINDERING MY CREDIT REPORT DUE TO MANIPULATIVE LIES FROM LVNV FUNDING LLC OR ANY AFFILIATION WHO BEEN CONTACTING ME WITH PROFANE LANGUAGE, SCARE TACTICS, THREATS TO DO MORE IRRUPUTABLE DAMAGE TO MY EXISTING CREDIT REPORTS. THIS DEBT IS VIRTUALLY 7 YEARS OLD. I ALREADY SENT A LETTER STATING OTHERWISE AS I REBUKE THIS DEBT WHERE IT SHOULD BE DELETED, AND REMOVED WHO IS TIRED OF BEING HARRASSED BY THEM OR ANY THIRD PARTIES. 

Personal information Includes your name, Social Security number, date of birth, address information, and employment information. 
Supporting documents may be required.

Credit accounts Includes revolving, installment, and mortgage accounts.

Supporting documents may be required.

Collections and bankruptcy Includes collections and bankruptcy.

Supporting documents may be required.

( You currently have no collections or bankruptcy records reporting on your credit file ). 

Inquiries Requests to view your credit report. 
Supporting documents are optional.