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

I am the living man, executor, beneficiary and It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

You dont have my permissible purpose to identity theft.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out incorrect information has been reported to my XXXX  credit bureau from creditor name Barclay credit card. I'm an authorized user on my husband 's credit card account. First of all, I called Barclay company to report my husband 's death about a month ago. They told me that I didn't reliable for his debt for this account and account will be closed immediately. Today, I got a message from one of my credit monitor company show that I have delinquent 30+days past due for this account. I tried to call them this morning to get resolved for this issue. They told me to call their collection company and also said they will help me to solve this issue. After I finished talking to their collection company, they told me that they didn't have anything to do with dispute incorrect information on my credit report. I have to call Barclay company back, explaining everything from the beginning again. He put me on hold and told me that one of their department that handle the dispute will call me back, but I told him that I need to update my contact information because my phone # on their file is no longer valid anymore. He tried to update, but it was unsuccessful. Now, he told me that I have to write the letter to them because they can't update my phone #. I also filed a dispute with XXXX  credit bureau about this issue.
Product: Mortgage

Due to a divorce, and reduction in household income, my first lien holder, XXXX reduced my interest rate and established an escrow account. I am getting ready to make the third trial payment with them. While it is a partial release of pressure on my finances, the second mortgage holder, Wells Fargo has refused to assist in any way. I have forwarded to Wells Fargo, a copy of the written offer of modification by the 1st lien holder. However, Wells Faro has turned me down three times, including an appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the information concerning any public record is correct with this credit report bureau. The record on file is not mine and Experian refuses to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I mailed a letter requesting investigaton of inaccurate accounts listed on my credit report. I never received a response so on XX/XX/2020 I mailed another letter. I still haven't received a response and it's been 5 months!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA, XXXX Subject : Request for Debt Validation Dear TransUnion, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. 
The details of the debt in question are as follows : Creditor Name : XXXX XXXX  Account Number : Unknown Amount : {$630.00} In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt.

The name, address, and contact information of the original creditor.

2. Detailed Account Statement : A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. 
o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 
3. Verification of Collection Agency : Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. 
5. Confirmation of Reporting Accuracy : Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
For your reference, I have enclosed a copy of my credit report with the entry in question highlighted. Please confirm receipt of this letter and provide a written response within 30 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is in regards to a charge off on my credit report, I'm not sure who is reporting wrong either the bureau or XXXX XXXX. Transunion.and Equifax have been reporting that on XXXX XXXX account that I pay {$1.00} every month to Re-Age my account this has been going on for XXXX years. Please remove this entire account from my credit report. According to FCRA Section 605 ( c ), Creditors, collection agencies, or credit bureaus, if they Re-Age your account by reporting the date of last activity instead of the date of the last delinquency. They have been lying to keep the last activity to {$1.00} a month, updating, my account each month. The account was closed XX/XX/year>. According to the credit report pulled XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am filing to request a goodwill adjustment for a late payment recorded on my account. As a dedicated customer of XXXX XXXX, I have consistently made timely payments.
Product: Credit reporting or other personal consumer reports

There is an account on XXXX that isn't mine and needs to be deleted immediately. I have disputed it and it still remains on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX, and Wells Fargo Card. The Account Opened is XXXX XXXX XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Wells Fargo Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, over six months ago, I XXXX XXXX XXXX have file disputes on several incorrect accounts on my credit report. XXXX, Experian, and XXXX, I do not feel that there was a proper investigation done or attempted on these credit files and these negative items continue to be on my credit report due to fraud. 

XX/XX/XXXX, amounts XXXX, XXXX XXXX XX/XX/XXXX, amounts XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, amounts XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit profile, I noticed several fraudulent accounts and inquiries reporting on my file that I did not open. 

XXXX XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX  XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX EQUIFAX============= XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX {$110.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Account XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXXXXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX  Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX  Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$110.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance. 


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

This is a company of fraudsters and thieves. I've gotten several loans with this company for vehicles from our business. The car is in my name and our company name. I pay this loan months in advance. Our monthly payment should be {$210.00}. When I pay I pay XXXX months in advance. On XX/XX/2021 my balance was {$1400.00}. I paid {$900.00} on that date. Westlake Financial sent to my credit report that my account was delinquent. They need to update this ASAP. Because that information is wrong. Not only that. I also paid off the balance of this loan which was {$440.00} on XX/XX/2021. Westlake needs to update my file ASAP and take the delinquency off my credit report. I called into Westlake several times and all they do is put me on hold and then hang up on me. This is not a way to do business. This is shark fraud business. Preying on consumers. This company needs to update my information ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 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. 

XXXX XXXX XXXX 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
Product: Checking or savings account

I lost my debit card ordered a new one. On the app it forced me to show my License because my account was locked now. I emailed support and sent them a picture of my license, multiple pics of me, my social security card, birth certificate, and a picture of my Veterans ID and Ive been emailing them all of this information from the email I have on file with them. Theyre holding my money and wont give me access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upstart Inc is furnishing an inaccurate information on my credit report and is in violation of the FCRA.

I checked my Credit report and i found a lot of errors from this company. The burden is on you and you hereby have 15 working days to reinvestigate.

This inaccurate information on my credit report has caused me a lot of financial harm, denial of credit from creditors and defamation of character. 

If after 15 days of reinvestigation you do not correct of delete the erroneous information on my credit report, you will be civilly liable to me for negligent non-compliance. 

Take this seriously, the time starts now.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of a fraudulent account from my credit report. After reviewing my credit file, I discovered an account that was opened without my knowledge or consent. This is a clear case of unauthorized and fraudulent use of my identity, and I am taking this matter very seriously.
Product: Debt collection

I had a emergency room bill from XXXX XXXX XXXX in XXXX XXXX GA for a visit to the emergency room XXXX XXXX   weekend 2014. The bill was paid in full in the fall of 2014. I have not received any notifications of any unpaid bills from the hospital.Now 6 years later I have {$350.00} bill that is with Nation Wide Recovery group. This is a scam. I want it investigated!!!
Product: Credit reporting or other personal consumer reports

am filing this complaint against TransUnion for failing to remove a fraudulent account from my credit report despite my submission of an FTC Identity Theft Report, as required under 15 U.S. Code 1681c-2 ( FCRA Section 605B ).

I am a victim of identity theft, and an account was fraudulently opened in my name without my authorization. I have already provided TransUnion with : My FTC Identity Theft Report A copy of my government-issued ID A written request for removal of the fraudulent account Under FCRA 605B, a credit reporting agency must block and remove fraudulent information upon receiving an identity theft report and verifying the consumers identity. However, TransUnion has refused to comply, citing internal policies and investigative procedures that do not override federal law. 

TransUnion is illegally delaying and denying my right to have this fraudulent account removed, causing financial and emotional distress. I request the CFPB to intervene immediately and hold TransUnion accountable for its non-compliance with federal law. 

I request : 1. Immediate removal of the fraudulent account from my credit report.

2. A formal response from TransUnion confirming compliance with FCRA 605B.

3. Any necessary enforcement actions to ensure TransUnion follows the law and does not continue to violate consumer rights. 

I appreciate your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX -Account # : XXXX Date Opened : XX/XX/XXXX XXXX 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 MAKEANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COMVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I called my current mortgage provider Quicken Loans to seek advice on potential options they might offer for us to re-d our master bathroom. Purely advice and specifically stated I did not want to apply for a loan or run credit inquiry until my wife and I decided what direction we wanted to take and timing. 

On XX/XX/2021 I received an alert from XXXX of a new inquiry. I called Quicken Loans to dispute and they got back to me on XX/XX/2021 essentially not taking responsibility nor acknowledging that I gave them permission to pull the credit inquiry. I even advised them to listen to the recorded call as I specifically told the rep not to pull credit until I was ready. 

I called XXXX  on XX/XX/2021 to dispute the inquiry and they refused to address the issue. They acknowledged that a company could have performed the inquiry without my consent but that they just record the inquiry and can do nothing to resolve. They said this is just the law and they can not do anything to escalate. Even if I want to talk escalate the issue I would not be helped. 

This is an unfair and deceptive practice as a company error hurts individuals while having no repercussion themselves for errors. I now have a decreased credit score due to their negligence and have no way of resolving or disputing their error.
Product: Debt collection

I keep getting emails, phoe calls and texts from someone threatening me from XXXX.directory.services.com XXXX Ref # : XXXX