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

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agenct can not furnish a account on my credit report without my written instructions.
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 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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

accounts are not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible. please check not untimely incmplete inaccurate. check attached for the completed details of the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five accounts on my credit report that were deleted and recently re-added after being deemed in accurate and uncertain These accounts also were open without my acknowledgment and they made the FCRA requirements deleted by consumer Ive reached out to these credit bureaus XXXX  XXXX XXXX and Equifax and were unsuccessful Ive also sent a 609 dispute letter in detail and writing via certified mail XX/XX/2021 XXXX ( XXXX  XXXX XXXX XXXX XXXX {$1800.00} XXXX ( XXXX XXXX ) {$660.00} XXXX ( XXXX XXXX XXXX ) {$570.00} XXXX ( XXXX XXXX  ) {$600.00} ( XXXX XXXX XXXX XXXX {$740.00}
Product: Credit reporting or other personal consumer reports

XXXX shows an incorrect payment status on Experian as it always has been Paid as Agreed. Experian is reporting a late payment on XX/XX/, this is incorrect as I never been late on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to verify information that MoneyLion is inaccurately reporting to the credit bureaus multiple times. I have provided my bank statements showing payments made, but they continue to report the payment as late to the credit bureaus. I have disputed the items with each credit bureau as well. The most recent disputes were made on XX/XX/22 and all came back verified. I submitted the information obtained from MoneyLion showing the account paid on time, but the results were listed as " verified ''. 

This company has continually misreported information to the credit bureaus, causing a negative impact on my credit scores. Accounts are being reported as secured loans when they are not, payment historys, balance histories, monthly payment amounts, etc are all either left blank on my credit reports, or inaccurate. 

I would like these accounts removed from my credit file. Each MoneyLion account contains inaccurate and incomplete information that is repeatedly verified as accurate each time I submit evidence to the contrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The XXXXXXXX XXXX XXXX XXXX account reporting on my credit report as Closed is incorrect, inaccurate, and false. Additionally, the impact of the Closed account as a Charge-off and Balance is reporting wrong credit utilization. The XXXXXXXX XXXX  XXXX XXXX account reporting on my credit report as Charge-off is further incorrect, inaccurate, and false. 

Equifax responded " Trade : XXXXXXXX XXXX XXXXXXXX XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. '' I did not sign any such credit contract agreement with XXXX XXXX  XXXX XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account with XXXXXXXX XXXX XXXXXXXX XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report. 

XXXXXXXX XXXX XXXXXXXX XXXX has no right nor authority to transfer or sell this account to XXXX XXXX XXXX, to enforce payment from me, or to collect on a debt owed to XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX fails to validate how debt is owed by me to XXXXXXXX XXXX  XXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX has no right to collect any debt for this account from XXXX XXXX  XXXX XXXX that was transferred or sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX shows incorrect report and trying to reducing my scores. 
I tried many times to Dispute them but I couldnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX ACCOUNT : XXXX To my surprise, I noticed on my XXXX report and other consumer reports that this account is not reflecting any late payments. However, on your report the account is reflecting a 30 day late payment on XX/XX/XXXX yet that is not 30 days late because the prior month of XXXX was also paid on time. This is clearly an error. I ask that you please update this account to " Paid as agreed '' updating the incorrect XXXX late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed ( see attached letter ) with XXXX XXXX XXXX an account entry that they placed on my credit report without providing a dunning letter or any correspondence that would have allowed me 30 days to dispute the validity of the alleged debt. To date, I have not received any communication from them. They are blatantly violating my rights by reporting this inaccurate, erroneous, unverifiable entry. 

Additionally, this account entry does not reflect a payment history which should be included on any entry that is reflected on my credit report. In my previous communication to them, I specifically requested that they provide an agreement that states their authority to collect on the alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date, and to date to no avail. 

As such, since they have refused to respond to my request and not provide any documentation to substantiate their allegations, coupled with the fact that they did not provide me a dunning letter is grounds for this erroneous, inaccurate, unverifiable entry to be deleted from my credit report.
Product: Debt collection

XXXX XXXX XXXX  XXXX. XXXX I called them after a " server '' contacted me via my work phone to give me a case # that I was being sued. They gave me the phone number for the XXXX XXXX XXXX. 

The case number was just the case number for the XXXX XXXX. XXXX XXXX who identified themselves as a paralegal that works for the law offices that were taking me to court. that I was going to owe them over {$1800.00} if it went to court, but I could settle with them for {$360.00}. 
I asked XXXX if she worked for a collections agency or a Law firm. She confirmed again that she worked for the law firm. 
I asked to be emailed a copy of the proof of debt. She emailed me a page stating how much I owed, but not actual proof of debt. This page only had a company name and phone number, no address As soon as I mentioned that I needed proof I was told that I would only get it if we went to court. She quickly ended the conversation and hung up.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN AND XXXX  HAS ACCOUNT ON MY CREDIT THATS NOT MINE. 

PLEASE DELETE ASAP.

Accounts:

Account name XXXX --Account number--XXXX XXXX XXXX XXXX-Account numbe--XXXX  Account name XXXX XXXX XXXX XXXX  -Account number-XXXX
Account name XXXX-Account number--XXXX
Account name XXXX XXXX-Account number--XXXX
Account name XXXX XXXX XXXX-Account number--XXXX  Account name XXXX XXXX.-Account number-XXXX
Account name XXXX-Account number--XXXX
Account name XXXX XXXX XXXX XXXX--Account number--XXXX
Product: Debt collection

I am writing to vehemently dispute the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I demand that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim. I expect a thorough verification under oath for the following : A sworn confirmation that the claimed account is valid, devoid of any claims and defenses, including but not limited to a breach of agreement, failure of consideration, or material alterations ; An oath-assured confirmation that the original lender provided legitimate value in connection with the alleged account ; A sworn guarantee that the alleged account was transferred in good faith and with the explicit consent of all parties involved. Failure to provide, under oath, the necessary information to validate the credibility of the aforementioned account will result in an immediate and unambiguous demand for the removal of this account from my credit report and all related records maintained by your bureau. These are the accounts : XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Mortgage

Hello I have applied for a loan modification and completed the application of XXXX of this year.. However instead of getting a proper written response to my completed modification application I get a notice of sheriffs sale date which is XX/XX/2021. I also sent a notice of errors to the correct department within Select Portfolio Services via certified mail on XXXX informing them that the sale date was set before I received a written response to my completed modification application. Thank You
Product: Credit reporting or other personal consumer reports

I am writing in reference to my ongoing concerns regarding the accounts in question and TransUnion conducting a thorough investigation. Your prior correspondence failed to provide any substantive evidence demonstrating that a comprehensive investigation was conducted into my complaints. This omission not only undermines your credibility but also fails to meet the standards of accountability expected in such matters. 

Failure to Address Core Issues It is concerning that you have deliberately omitted any mention or investigation into the account held with XXXX XXXX, despite its explicit inclusion in my complaint. This omission raises serious questions regarding your methodology and impartiality in handling consumer complaints. The absence of detailed findings for all accounts under scrutiny is unacceptable and suggests a lack of thoroughness or an intentional disregard for due diligence. 

Requirement for Verification I demand a clear and detailed explanation of your method of verification for each accounts I have disputed. It is your obligation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, to conduct a reasonable investigation into disputed information, ensuring its accuracy and integrity. Your failure to do so constitutes a violation of federal law, as defined under XXXX XXXX XXXX, which mandates a duty of care and accountability in handling consumer data disputes. 

Legal Noncompliance By refusing to investigate and provide results, you may be in violation of : 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) : The duty to investigate disputed information promptly.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( C-D ) : The duty to report the results of investigations and correct any inaccuracies found. 
15 U.S.C. 1681i ( a ) ( 6 ) : The obligation to notify the consumer of the results of the reinvestigation, including the procedure used to verify the accuracy of the information. 
These statutes are not discretionary ; they impose mandatory obligations on your agency. Your failure to comply with these requirements not only infringes upon my rights as a consumer but also demonstrates a lack of adherence to regulatory standards. 

Demand for Action I hereby request : A detailed explanation of your investigative process for each disputed account, including the specific methods of verification used. 
The results of any investigation you claim to have conducted, accompanied by supporting documentation. 
Immediate attention to the account with XXXX XXXX XXXX, which was improperly excluded from your prior review. 
A written explanation addressing why my concerns were not adequately investigated in compliance with federal mandates.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Disputing Fraudulent Inquiries on my XXXX Credit Report Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in resolving a critical issue concerning fraudulent inquiries on my XXXX credit report, which have arisen as a result of identity theft. Despite my diligent efforts to dispute these inquiries with XXXX by providing multiple FTC identity theft reports and notarized identity theft affidavits, XXXX has unfortunately failed to comply with the Fair Credit Reporting Act ( FCRA ) regulations. The fraudulent inquiries listed below have significantly impacted my creditworthiness and financial standing : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX Removal date XX/XX/XXXX I have already submitted all necessary documentation to XXXX, XXXX FTC identity XXXX reports and notarized identity theft affidavits, clearly indicating the fraudulent nature of these inquiries. However, XXXX has unjustly denied my disputes without valid justification, which directly violates FCRA laws. Enclosed with this letter, you will find copies of the aforementioned FTC identity theft reports. I kindly request the Consumer Financial Protection Bureau to intervene and facilitate the dispute of these fraudulent inquiries with XXXX. It is imperative that these inaccuracies are promptly investigated and removed from my credit report to restore my financial integrity. Please feel free to contact me at ( XXXX ) XXXX or via email at should you require any further information or documentation to assist in resolving this matter.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and was shocked to see inaccurate accounts that I have no idea how they got there. I review my credit regularly, and this time, discrepancies just appeared out of nowhere. I even refreshed my browser, thinking it was a glitch, but it wasnt. The errors were still there. Because of this, Im pleading for a thorough review of the documents Ive sent, so I can put this worry behind me for good.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX  XX/XX/XXXX {$860.00} XXXX XXXX {$520.00} Date Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account was late or that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Product: Credit card or prepaid card

Bbva compass closed my account. I received no notification it was just closed and then when i contacted them in regards to when i will recieve my funds I was given no direct response. I then tried to reach back out XX/XX/2018 and the company blocked my number providing me with a busy signal XXXX everytime I called. I had to call from another number this indicated that the company purposely blocked my number. I will like for bbva compass to return my funds and give me a direct response on when i can expect to recieve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT THAT I DID NOT DO. SOMEONE USE MY INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME AND TO FILL OUT APPLICATIONS THESE ARE THE FRAUDULENT INQUIRES ON MY REPORT 1.XXXX  XXXX XXXX XXXX XXXX 2.XXXX  3.XXXX XXXX XXXX 4.XXXX 5.XXXXXXXX XXXX 6.XXXX XXXX 7.XXXX XXXX
Product: Credit card

Discover closed my account for no valid reason. I paid more than the minimum due to a XXXX balance. They closed my account but not before reducing my credit limit from XXXX to XXXX while I had a {$2500.00} balance in XXXX 2015
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C XXXX XXXXXXXX, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. CXXXXe XXXX, not XXXX credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i sent several letters to creditors XXXX  XXXX {$820.00} {$640.00} {$400.00} XXXX  XXXX {$820.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX {$890.00} XXXX XXXX  {$820.00} {$710.00} XXXX XXXX XXXX {$400.00} {$640.00} {$230.00} XXXX XXXX {$340.00} XXXX XXXX {$500.00} XXXX XXXX  XXXX {$1100.00} {$500.00} {$850.00} XXXX XXXX {$890.00} XXXX XXXX {$2500.00} XXXX XXXX  {$500.00} XXXX XXXX {$570.00} {$570.00} XXXX XXXX {$2500.00} about false collections on my credit report as well as late payments and creditors selling accounts to multiple debtors .Theyhave Not excercise my right under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violation my consumer rights under these laws : Pursuant to15 U.S code 1681 ( a ) ( 1 ), ( 3 ), ( 4 ) ,15 U.S.code1681 ( 2 ) ,15 U.S. code ( b ), ( d ), ( 2i ), ( ae ), ( 2a ) By XXXX reporting these accounts on my report they are directly in violation of my rights. ( Privacy Act of 1974 ) We put on notice that claimed all accounts to be verified and reporting legally. 

Account name : XXXX XXXX Account number : ( as reported ) XXXX Account name : SANTANDER CONSUMER USA Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR DELETED COMPLETELY FROM MY CREDIT REPORT : Inaccurate Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX