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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau, Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate and outdated information being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681c, and 1681s-2. Please find below the details of the accounts in question : 1. Account Name/Number : Issue : The balance reported is inaccurate as it is not mine. This account does not belong to me, and I did not authorize this transaction, nor did I consent to it being reported under my name. 

PORTFOLIO RECOVERY for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Secured CC - none of the {$250.00} securitization funds made it to the balance. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : This section explicitly prohibits reporting inaccurate information knowingly or without reasonable verification. 



2. Violating FDCPA contacting me at all types of hours. 

Portfolio Recovery, please remove PORTFOLIO RECOVERY for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PORTFOLIO RECOVERY for CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX. Account XXXX ( XXXX XXXX ) : Issue : This account reflects a balance for a vehicle that was repossessed nearly XXXX years ago, yet it is still being reported as if I am in possession of the vehicle and have an outstanding balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : The account should not reflect any further adverse information, as the vehicle is no longer in my possession, and the creditor has taken collateral. This balance is inaccurate and misleading. 

Further Violation : If the lender sold the repossessed vehicle, the balance should reflect the adjusted amount, or any deficiency, rather than reporting as if I still possess the vehicle. 


4. Personal information wrong : Name as XXXX, XXXX XXXX XXXX XXXX = correct name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  = correct name I never operated in XXXX XXXX 



These inaccuracies are causing significant harm to my credit and financial well-being. I have the right to privacy and accuracy in my credit reporting under 15 U.S.C. 1681 Section 602 ( a ), and these entries violate those rights. 

I request that the following actions be taken : Immediately investigate and correct the inaccuracies. 

Remove any items that have been inaccurately reported or are unverifiable. 

Provide me with a written confirmation once these corrections are made. 


I have enclosed copies of the relevant documentation to support my claims. Please respond to this dispute within the legally mandated 30-day period, as outlined in the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Sunrise Credit Services continued to call me several weeks ago even though I had asked the company to stop calling me on my phone. It was only after mentioning XXXX XXXX XXXX that the calls stopped. 
A letter was sent to my address but my name is not " XXXX XXXX XXXX '' ; thus, legally this is not my bill even though my address was used. 
I do not owe XXXX XXXX. This matter had been presented to North Carolina Attorney General and the agreement was that the balance of {$100.00} would be credited by XXXX in lieu that I would not take further action against this party. XXXX was going to take the EBB funds for internet services and still charge me an additional {$50.00} ; the customer service agents were not consistent with what had been advised to me from the corporate office of XXXX. After calling several times to XXXX and being told that I did not have a balance, I believed the agreement had been honored. This collection bill is a surprise and it forfeits the original agreement with XXXX who had been reported to the proper agency for investigation. I have faithfully been a on time paying customer of XXXX XXXX until behaviors that appears to reflect discriminations and incongruent customer service as well as what appeared to be big corporate attempting to take advantage of a XXXX on XXXX, did I notify XXXX  that I would no longer use the services, sent back all of the equipment, and agreed to the credit of {$100.00} in exchange for no further action against XXXX and no further communications to the Executive Office. I no longer received any bills from XXXX and each time I called prior to XX/XX/21 I was told that I had a " zero balance ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm following up on a complaint I submitted against company for innacuratley reporting my account late I received response and it is contradicting from the response company stated my first date of " delinquency " was on XX/XX/XXXX but payment shows marked on time from companies response letter on the screenshot of my report there is late payments marked late from XX/XX/XXXX all the way to XXXX XXXX shows marked on time for XXXX, XXXX and XXXX how is that possible. I'm asking that this tradeline be removed from my credit report for failure to accurately report and going against my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act, XXXX XXXX  account # 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

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2022 a credit card was opened in my name fraudently with XXXX XXXX. I attempted to call & find out who did this & how to resolve it. It is reporting to my credit file. I have not gotten anywhere with this. Card has a balance & late payments. This is not my card. I did not give anyone permission to open it in my name. I want this removed from my credit file.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at under the XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This is an account that was paid off that appears to be negligent in my credit history. I called the company and they said it is an error that I needed to contact consumer finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I contacted XXXX XXXX because of the corona virus, I was unable to make a payment on time and asked if I could make the payment at the end of the month namely XX/XX/XXXX. On XX/XX/XXXX I made the payment. In the evening of that same date, I received an email from XXXX XXXX. It stated, " Our decision to decrease your credit limit was primarily based on recent delinquency on your account. '' My recent delinquency was due to the corona virus. They also stated, " Our credit decision was based, in whole or in part on information obtained in a report from the following consumer reporting agency : Equifax ''. I'm not sure where they got my report because I have a security freeze on my report for over 15 years. They go on to say, " As of XX/XX/2020 your credit score is XXXX. '' How in the world can my credit score be that low when my bank just gave me a loan to purchase a fence in XX/XX/2020? Additionally, as I previously stated my account is frozen. I am being held heavily accountable due to this virus with a company who seems to be lying to me and discriminating against me for reducing my credit amount which has an effect on my credit score. How is this so? I spoke with XXXX from the management team who put me on hold for twenty minutes and then the phone magically disconnected. He never called. I called back and spoke with XXXX, who wanted to argue that XXXX does not discriminate and my credit score is not my Fico score. I guess she thinks I'm stupid. She had an illogical answer for everything and tried to make it look like I am constantly delinquent by stating you've been delinquent 2 times. XXXX of which is due to the corona virus. I guess she believes that I purposely went to XXXX, contracted the XXXX and brought it back to the United States. The bill was due on XX/XX/2020 and it is now XX/XX/2020. This company was in a rush to mark things against me credit wise because I am Elderly and am an XXXX female.
Product: Credit reporting or other personal consumer reports

I reached out to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX regarding some accounts that don't belong to me. I find it incredibly concerning that I have had to reach out twice and they are just ignoring me. I filed an identity theft report and provided all of my information. I have been reading that the bureaus are supposed to remove these accounts immediately upon receiving this information. What they are doing is unfair and in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I was transferred to XXXX XXXX  sometime in XXXX of XXXX from XXXX. 
While transfer took some time I kept makilng monthly mortgage payments to XXXX. 
I have all bank Statements reflecting these payments. XXXX XXXX  reports late payments in XXXX, XXXX... XXXX and XX/XX/XXXX. 
Both Mortgage providers claim same mortgage for same property and both of them claim late payments. 
My credit report reflects both - XXXX and XXXX as my mortgage providers for same property. Both mortgages allegedly originated at the same time - XX/XX/XXXX and reflect same mortgage amount...
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach and subsequent identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report.

Fraudulent Accounts XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1700.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1500.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$37000.00} Unauthorized Inquiries XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The issue is that they are not responding to my requests, and whenever I ask them to review potential inaccuracies, they claim I am someone else, despite me providing all of my personal documents. According to the FDPCA and FCRA, all information must be properly validated and reported with complete accuracy, which is not happening in this case. 

I have attached a letter requesting them to verify and confirm the accuracy of the reported information.
Product: Credit card or prepaid card

I had an account in good standing with Care Credit ( Synchrony Bank ) for pet medical bills from approximately XX/XX/XXXX to XX/XX/XXXX. At which time I owed {$610.00} and my credit limit was {$800.00}. XX/XX/XXXX, I missed a payment, but paid extraXX/XX/XXXX. XX/XX/XXXX I missed a payment, but paid extraXX/XX/XXXX. During that time, I was always paying well over than the minimum {$25.00} per month. However, I balance started increasing in XX/XX/XXXX. Due to some XXXX XXXX  issues, I found it necessary to leave my residence and did not get all my mail and was emotionally unable to address the discrepancies in the billing. I later lost my job due to emotional distress and was unable to pay any bills at all for awhile. This is why I had not contacted the company directly to discuss why my balance kept going up, when I was paying more than the minimum required. After several months of not paying, the Care Credit increased my credit limit to {$1800.00}, without my knowledge. Also without further contact, I received a court summons two days before the court date which stated I now owed {$1000.00} with interests and Plaintiff 's court costs. Care Credit ( Synchrony Bank ) only provides a mailing address on the few statements I have, and no phone number to inquire as to how my bill increased so much and why they increased my credit limit without my permission or knowledge. I have no explanation as to why this happened and no documentation from then that explains it, other than I can assume they did this so that they can collect more money than what I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Department of Education, 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.

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.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute several inaccuracies on my credit report, which have caused unjust and incorrect damage to my credit score. Despite maintaining a consistent record of on-time payments, certain accounts are inaccurately reflecting late payments. I have never missed a payment on these accounts, yet they are erroneously listed as being 30 days late. The inaccurate accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports a 30-day late payment, but all payments were made on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports a 30-day late payment, but all payments were made on time. 
FIFTH THIRD BANK, N. ( Account # : XXXX ) XXXX XXXX  Reports a 30-day late payment, but all payments were made on time. 
XXXXXXXX XXXX ( Account # : XXXX ) XXXX - Reports a 30-day late payment, but all payments were made on time. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow " reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The fact that these late payments are being reported despite my history of timely payments is a clear violation of this requirement.

These inaccuracies are causing significant harm to my credit score and financial standing, directly affecting my ability to secure credit on favorable terms and impacting my overall financial well-being. The errors in my credit report are unacceptable and must be corrected immediately to prevent further damage.

I have attached screenshots showing the inaccurate reporting from the credit bureaus to support my complaint. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that these incorrect entries are promptly removed from my credit report. The credit reporting agencies must be held accountable for ensuring the accuracy of the information they provide. I also request a thorough investigation into these discrepancies. If the credit reporting agencies are unable to furnish valid evidence, such as account statements demonstrating the lateness of these payments, I demand that these entries be updated immediately to reflect their true status as on-time payments, as I have consistently upheld my payment obligations without delay. 

I appreciate your prompt attention to this matter and expect that the inaccuracies will be corrected swiftly.
Product: Mortgage

This is a follow-on to my original complaint cfpb # XXXX I have a mortgage on a single-family home that is serviced by Shellpoint Mortgage Servicing. I am behind on my mortgage payments. 

In XX/XX/2021, I was offered a XXXX XXXX by Shellpoint. Although this was a wonderful opportunity for me to get caught up, the plan did not include any documentation explaining how the amounts were calculated. The amounts required by the plan seemed to be more than what I owed. The plan allowed me to file an appeal. I filed an appeal with three items. In mid-XXXX, I received a response to my appeal that addressed two of the items I listed in my appeal. On XX/XX/XXXX I sent a follow-up email reminding Shellpoint that not all of the items in my appeal had been addressed. 

The new year began but there was still no response from Shellpoint, so I sent another email in XXXX asking them for a response to the third item in my appeal. To my shock and dismay, I was then informed that my repayment plan had been revoked and was no longer valid. 

Shellpoint now refuses to honor their offer, even though I carefully followed the rules that were stated in their offer.
Product: Credit reporting or other personal consumer reports

I reported this citicard Cbna company for several months, XXXX keeps sending this back as verified with no proof, the balance is wrong I reported account as identity theft and fraud because charges was made without my authorization when I was out the country and XXXX didn't investigate the account correctly, if they would have they would have seen that the Citi bank disputes was for the same account, not to different accounts and amounts. I have sent identity theft and police report already
Product: Credit reporting or other personal consumer reports

My account with Experian 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 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. 


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

Experian and XXXX keep adding back a delinquent JPMCB Card account to my Credit report when this account does not belong to me and is a result of identity theft. The JPMCB Card Account # XXXX that was opened XX/XX/2018 does not belong to me and I have submitted an FTC report to both bureaus which the # for this case is # XXXX. I am trying to go for an apartment and this delinquent account that I have no knowledge of and does not belong to me is ruining my credit I need this fixed ASAP! I have already had it removed multiple times and dealt with Experian and XXXX it isn't on my XXXX or reappearing on my equifax. It's these two bureaus that are breaking FCRA laws allowing for inaccurate and vile bad data information furnish to my credit report!
Product: Credit reporting or other personal consumer reports

I have disputed incorrect credit reporting to EXPERIANXXXX  several times and asked for this incorrect information to be removed from my credit report several times as well. EXPERIANXXXX refuse to remove this information. 

XXXX XXXX XXXX XXXXXXXX NEVER INSTALLED SOLAR PANELS on my property at XXXX XXXX XXXX and refused to cancel this debt for XXXX long years AND refuse to remove the INCORRECT " unpaid balance-charged off '' status from my credit report. 

ExperianXXXX are reporting a {$19000.00} charge off amount for product/services that i never received. The installation NEVER took place. I do not have solar panels! 


My credit score has been adversely affected for XXXX long years. XXXX XXXX canceled the debt in 2023 and refuses to update Experian. I have informed Experian that i never received solar panels from this company many times and they refuse to remove this incorrect information from my credit report.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX still reporting a past due balance on my credit report. It is against violations to continue to report a past due balance on a charge-off debt. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information
Product: Credit reporting, credit repair services, or other personal consumer reports

Is to remove all the inquires and collections off of my credit. Im XXXX and i havent put any of these inquires and collections on my credit and its affecting me .And I was a victim of the transunion inquiry error/glitch that happened but they want remove the inquires on my credit report.