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

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$3500.00} XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I filed Complaint # XXXX involving XXXX  with Consumer Financial Protection Bureau ( CFPB ). XXXX deemed the complaint quickly as duplicate by end of day. I was submitting XXXX NOTARIZED Identity Theft Victim Affidavit that was notarized just earlier in the morning prior to submitting. I left a message few days ago for XXXX at the Card Executive Office to see how to submit. When I didnt hear back from him ( which is not unusual ) I submitted the affidavit with CFPB. I get more done with submitting with the CFPB instead of trying to contact companies direct. Plus after 4 years, I am ready to be heard, have the fraud and theft recognized, and regain my credit.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the accuracy of a collection account that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into these accounts as I believe they are inaccurate and should be removed. 

The details of the disputed account are as follows : Name : XXXX XXXX XXXX XXXX Amount : {$1900.00} Date Opened : XXXX XXXX, XXXX Name : XXXX XXXX XXXX Amount : {$1300.00} Date Opened : XX/XX/XXXX I request that you verify the accuracy of this account with the collection agency and original creditor. If they can not provide proper validation, I request that this collection account be deleted from my credit report immediately. 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate my claim and provide me with the results within 30 days. If the information can not be verified, it must be removed from my report. Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in my credit file. Reporting inaccurate information is a violation of this law. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are responsible for ensuring that the information they report is accurate and must correct or delete any inaccurate or unverifiable information. 

I have disputed these inaccuracies multiple times. They get removed form my report, then they get put back a few months later. I need these to be permanently removed from my report.
Product: Checking or savings account

I have several bank accounts that when I feel physically well I just go to XXXX XXXX XXXX etc go to register and pay a fee. On the holidays when relatives mailed me a check or neighbors gave me one I successfully snapshot both front and back and now they were cussing and laughing at me calling me crazy that I didn't know how to do this before. They threatened to close XXXX XXXX XXXX  and a couple of others. It's none of their business but I have been seriously ill with XXXX and am awaiting XXXX. I need my.mobile cash restored and they're threatening interference with all banks, XXXXXXXX XXXX XXXXXXXX or XXXXXXXX XXXX XXXX etc... i need mobile check for my tax refund and payroll checks plus my neighbors who write me checks to. Unfair unacceptable to be smart mouthed by meddlesome Georgians. Please help me so they will stop and I can mobile deposit instead of taking less than the check amount at a grocery store which can go into my financial institutions.
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX It's showing that I have several late payments. But here 's the thing, these late payments that have been posted and reported are all incorrect and are a violation of the FCRA. Please cite and review the documentation that has been uploaded as evidence of their reporting agencies ' violations, which displays their lack of respect for the laws that protect the consumer. 

The malfeasance and disregard that these reporting agencies show to the consumers is disgusting and needs to be checked. These crooks are violating the law and getting away with it and it's unfair and very hurtful to me and my social standing. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
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 XXXXXXXX XXXX XXXX XXXX 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 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 vears.

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

I have attempted to validate negative information furnished by United Revenue Corporation to XXXX the credit bureau. 
Neither company has provided me with any information to substantiate the negative marking on my credit profile. 

I asked XXXX how the information reported was validated the information and received no response. 
I reached out to theUnited Revenue Corp on XX/XX/XXXX and XX/XX/XXXX directly and received no response until XX/XX/XXXX, which is far past the time to BOTH of my requests and they also failed to provide me with any documentation to validate alleged debt according to the law. They responded that my request for an investigation was frivolous. 

I sent another request for validation that shows received on XX/XX/XXXX at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a hard inquiry conducted by Equifax on XX/XX/XXXX from XXXX XXXX - oh. This is the second hard inquiry from XXXX on XX/XX/XXXX. The first XXXX XXXX, TX. I reported this hard inquiry to cfpb on XX/XX/XXXX. ( XXXX ). I was contacted by XXXX this morning and suggested sending a letter to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Mortgage

For the past 2 years beginning XX/XX/XXXX, XX/XX/XXXX our mortgage company, Nation Star Mortgage, has contacted us that we are overdue on our payments and charging us a penalty. We use there auto-deduct system and for some reason it works every other month. I contacted our bank and they say we have had the money in the account so that have n't denied a request for auto-deduct payment. Then we start getting calls from a automated message stating we are behind in our payments. My wife and I have called the number they left and it takes about 30 minutes of saying no to questions by another computer generated recording until we get a real person. Then the person ca n't really help us and wo n't bump us up to someone in management. I am concerned there may be some kind of scam going on. I pay my bills and have n't had any other problems wit h any other creditors. Is there some way I can get this situation looked into?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment that has been reported on my credit file. After reviewing my credit report, I noticed an inaccurate late payment listed on my account that I believe is incorrect. I have reviewed my payment records and I believe this reported late payment is an error. I request that you investigate this matter and, if found to be an error, promptly remove the late payment from my credit report. Please let me know if you need any additional documentation or information to support my claim. Thank you for your immediate attention to this matter, and I look forward to your timely response. 

Account name : AFFIRM INC Account number : XXXX Accounts was never late
Product: Mortgage

In XX/XX/2023, I received an alert from my credit monitoring service that I have hit a milestone of paying off 20 % of my mortgage. I called my company and requested PMI to be removed and asked what I need to do to get this completed. They informed me that I still had more PMI until XXXX. Fine. Called in XXXX. Said again oh no got XXXX more payment. Fine. Call XXXX, told yes PMI is removed you are all set. Also chatted through online service. I keep tracking as my payment is due XX/XX/XXXX but nothing changes. From the second week of XXXX until XX/XX/XXXX I have called and chatted with some 7 times each person assuring me it is just a technical error, they told me my new payment amount and assured me that my account will be updated in 3-5 business days. They instructed me to make partial payment and submit the new amount due and the system would be fixed nothing will happen. I have now been charged a late fee and am worried that my credit will take a hit as they are not doing anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputing with XXXX and XXXX about incomplete and inaccurate information on my credit reports. They claim that they have investigated the account information with FEDLOAN SERVICING and they claim that FEDLOAN SERVICING is telling them that the account information is accurate which is false. The payment history is incomplete and inaccurate. Date of last activity as well as other information is missing, The dates of delinquency is incorrect as well as the date of last payment and payment amounts are inaccurate. I've sent proof of this Inaccurate and incomplete information to XXXX and XXXX but FEDLOAN SERVICING is allowing them to continue to report this inaccurate and incomplete information. 

In accordance with the Fair Credit Reporting act. The List of accounts stated above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) 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. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a debt resolution that has been completed as of XX/XX/2022. I made a XXXX ( XXXX ) installment payment for a total of {$3000.00}. I have received the lien release and a copy of the title ( via XXXX Mail ) as of XX/XX/2022. I have been reported inaccurately for XX/XX/2022 as well as XX/XX/2022. My account has a XXXX ( XXXX ) balance. I reached out to a Chrysler Capital representative as of XXXX p.m. XXXX on XX/XX/2022. The representative was provided my social security number and I provided them an explanation for the call and I was disconnected. I explained according to the Fair Credit Reporting Act that ALL information that is reported to credit bureaus must be accurate and up to date. Chrysler Capital has reported my account incorrectly and I question the integrity of their reporting and would like ALL reporting to be reviewed for the entire time of my loan and any misreporting to be corrected immediately.
Product: Mortgage

Thank you for reviewing my case. The overview : My experience of going through a conventional refinance application with Movement Mortgage and XXXX XXXX was miserable. It was during the height of the pandemic and my partner was a floor nurse dealing with Covid patients, but somehow, XXXX XXXX managed to make things even worse. The process started XX/XX/2020 and by XXXX, 2020, after countless requests for P & L statements and multiple " Changed Circumstance '' letters where the points incrementally increased every time from XXXX, to XXXX to XXXX with no word or explanation, I was effectively ghosted by XXXX XXXX who stopped returning my emails deep into the process. As an example of the type of client service he offers, there was also a 2-month delay from XX/XX/XXXX to XX/XX/XXXX for a simple " yes/no '' answer from a second-mortgage holder on subordinating the second. That said, abysmal customer service isn't why I'm reporting XXXX XXXX. My primary issue is the fact I paid {$500.00} for an appraisal he ordered for my loan application ( which as described went nowhere ) and when I reapplied for a loan with another broker, XXXX XXXX in XX/XX/2020, XXXX XXXX refused to release the appraisal, saying no such transfer was possible ( relevant email thread included ). XXXX XXXX assured me the previous appraisal was still good and there was no need to get another one. But since XXXX XXXX wouldn't cooperate, I had no choice but to pay {$520.00} for a new one ( XXXX XXXX, copy included ) so I could pursue the new loan. I should note that ONE MONTH later, I had my conventional refinance through XXXX XXXX approved. I had the same income, same circumstances, same pandemic going on, but no months-long games like XXXX XXXX put us through. My simple request is to be refunded the {$520.00} that XXXX XXXX cost me because he wouldn't simply convey the still viable appraisal to my new loan broker. Considering all the time, effort and frustration he caused my partner and me, I think he's getting off easy. And I hope this note serves to steer those looking for a loan broker in the opposite direction. He's a bad investment of time and trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicated address of the same address. Experian has multiple address as the same address. 

Filing FTC on Experian for issues of wrong information on Credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX not my address or was on my lease. 
XXXX XXXX XXXX XXXX no unit number showing XXXX XXXX XXXX XXXX XXXX no apartment unit showing XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX no my address XXXX XXXX XXXX XXXX XXXX no my address XXXX XXXX XXXX XXXX XXXX XXXX no my address never lived in no XXXX XXXX XXXX XXXX XXXX XXXX no unit showing XXXX XXXX XXXX XXXX no unit showing not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my address 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 None of these duplicate address belong to me nor was in my name. Delete or provide from the address proof from lender/bank mort fin or lease threw apartment complex. nothing but duplicate address showing wrong information. 

I 'm also filing with the FTC on all these address that are the same over and over with wrong information and a bunch of made up address or information gather wrong or obtain wrong
Product: Credit card or prepaid card

My Original balance with Mattress firm, Synchrony Bank, was {$1400.00}. I have been paying on time with this 0 % APR 2 yrs program. 
Rep from Store, just told me no interest for 2 yrs..XX/XX/2023 was the expiration date and I have remaining balance of {$180.00} which I am still consistently paying. To my surprise, my balance increased to {$930.00}, in XX/XX/XXXX. I am a senior citizen with some XXXX and in XX/XX/XXXXI had health challenges, so I couldn't call Synchrony. Now, XX/XX/XXXX comes and I saw that they tucked in {$770.00} interests in my balance of XXXX I didn't get any warning letter to payoff the entire balance, i didn't get any email, nor text ahead of time, and Synchrony kept saying it was in my paperless billing. I think this sets me up for failing to pay it off. So unfair to me who is a very good paying customer. 
My other store card with Synchrony is Ashley furniture. No interest for 60 months, and payment is {$90.00} a month. I have reached out to them to remove the interests and that my monthly payment is {$90.00} ... .since XX/XX/2023. Rep kept saying it takes 60 days to straighten it out. 
Now. My minimum monthly is {$120.00} .... 
I fairness to me, this bank should cancel the interest that they charged me in my mattress firm card of {$770.00} ... ..and the Ashley furniture card, they should keep my minimum monthly of XXXX dollars. Or XXXX.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account, AWA COLLECTIONS XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion 9 times ( for a few months now ) to report fraud through hard inquiries and they refuse to file dispute nor look into matter. 

Today I filed a police report about all of this inquiries. 

-- XX/XX/XXXX XXXX XXXX. 
-- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX, XXXX, XXXX -- XX/XX/XXXXXXXX XXXX XXXX XXXX All of companies admitted they have no documents proving I even filed anything with them and they tell me to contact Transunion. Transunion refuses to file anything. I now have a police report about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report that I have no knowledge. This was a result of malpractice or an error.
Product: Credit card or prepaid card

This delinquent account record is inaccurate because my payment was made on time but the rep recorded the wrong banking information causing my check to be invalid. I have never missed any payments. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX XXXX  XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up the recent CFPB Complaint I submitted on XX/XX/XXXX. As I previously complaint about, I am requesting that the Credit Bureaus remove the Disputed accounts and information completely from my Credit File. Under the Fair Credit reporting act section 605b, the Credit Bureaus are expected and required to remove any accounts and information that were incurred due to fraudulent activity. Also, the Credit Reporting Agencies have been claiming that the disputed accounts and information are verified thus preventing the immediate deletion of the disputed accounts. However, the Credit Bureaus have not sent me copies of proof of verification from their investigation. This action of the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. Once again, I am requesting that the credit Bureaus remove the following items completely from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$2100.00} XXXX XXXX  XXXX Balance Owed : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB Team my credit score report is showing a lot of incorrect information such as incorrect payments credit card balance when the acount is been payoff in full, debt collections, incorrect payment history, late payment, credit balance and no credit score improvements for the last 4 months. 

Thank you very much and i look forward for a possible solutions about this issues.