23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. The following account is not mine XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts marked as inaccurate. 

XXXX XXXX - XXXX - This is not accurate. XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX XXXX XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX XXXX XXXX XXXX XXXXXXXX - This is not accurate. - XXXX XXXX is XXXX!
Product: Credit reporting 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. 

Account name 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 XXXXXXXX, 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 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to 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 am writing to request your help in rectifying a problem I discovered which is adversely affecting my credit score. Some months ago I looked at my credit score through XXXX XXXX and was appropriately shocked to discover the amount of the school loan I owed was doubled what I actually owed. I tried initiating a dispute through XXXX XXXX and Equifax, contacting XXXX XXXX in XXXX XXXX Servicing but I couldnt get to the bottom of it. I graduated from XXXX XXXX of XXXX after transferring from XXXX XXXX after three semesters. I acquired Pell Grants, scholarship money and through an appeal reduced tuition at XXXX XXXX due to financial hardship. I kept good records of what I was borrowing. My recordkeeping indicated I would owe around {$27000.00} plus any interest in addition to a XXXX XXXX. Imagine my shock to discover XXXX XXXX show the old almost {$60000.00}! I contacted the associate director of financial aid at XXXX, XXXX XXXX XXXX, who was kind enough to investigate although I had already graduated. In addition, my family and I started making payments to XXXX XXXX in 2016 before I graduated and I have to this date paid over {$6000.00}. I have paid over {$500.00} on the XXXX XXXX. In the meantime I received correspondence from different sources telling me that I dont have a great credit score which has dropped considerably indicating that I am not a good credit risk when I am very diligent about paying all my bills. I do not have outstanding large credit card balances. This has caused me a great deal of distress and XXXX  because I pay my bills on time and know exactly what I owe in school loans. I have worked hard even during the pandemic to stay employed and stay current and all payments. I hope you can help me clear up the situation. Sincerely and with thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : 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 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 XXXXXXXX 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 an 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: Mortgage

My mother passed away on XXXX/XXXX/11 and resided in her home in XXXX NC. I have been paying the mortgage through Seterus Inc and petitioning the bank to transfer the loan in my name as the legal heir. The bank wants me to have a court document for this financial transaction. I have retained XXXX different attorneys who states that NC law allows realty to be transfer to heirs without legal proceedings and now the statue of limitations has expired for any required court documents.. I also sent Seterus Inc. a special warranty deed demonstrating my financial relationship to the property and home obtained from the attorney. I am financially able to retain the home and would like assistance with a loan modification for assuming the loan..
Product: Credit reporting, credit repair services, or other personal consumer reports

i financed a XX/XX/XXXX used XXXX XXXX  with CREDIT ACCEPTANCE IN XX/XX/XXXX already with a high interest rate and horrible business practice and reporting my information incorrectly i traded in the vehicle on XX/XX/XXXX, with XXXX XXXX, my first payment to XXXX XXXX was due and paid XX/XX/XXXX, CREDIT ACCEPTANCE continues to report to the credit agencies late payments for XXXX, XXXX and XX/XX/XXXX despite receiving the pay off in XXXX, and despite supposedly not holding anyone accountable for LATE payments in XX/XX/XXXX during the pandemic and stated they will not be reporting late payments, even with this in place i made all my payments through out the lockdown including my XXXX payment to avoid this, i have disputed this several times with the bureaus sent in documentation to CREDIT ACCEPTANCE intially i was told it will be corrected and still they are validating the matter with the buraus and refuses to lift these late payments off my report despite its inaccurate ... how can i have a late payment in XXXX or XXXX when credit acceptance acknowledges they received the payoff check XX/XX/XXXX? my payments werent due until the XX/XX/XXXX of every month i spoke with a XXXX  at credit acceptance in the escalations department who tries to justify this by stating they report at the end of the month, which still wouldn't give an explanation for a late payment for XXXX this is heavily effecting my credit and they refuse to acknowledge their error of fix it. my relationship or legal obligations ended in XX/XX/XXXX and they still report a late payment for XXXX and XXXX as well as XX/XX/XXXX who intially claims they will not do my understanding is that CREDIT ACCEPTANCE IS currently being sued for these illegal practices and im willing to join the class act lawsuit because i have documentation of all my on time payments and proof this contract was terminated prior to the dates they are reporting
Product: Debt collection

There was a XXXX account that was opened in my name through XXXX XXXX.That account was closed by XXXX XXXX letter dated XX/XX/2019 because of fraud i have the letter.The account number was XXXX, XXXXXXXX XXXX sold the account to ( XXXX XXXX XXXX under a new account number after knowing that the account was fraudulent that account number was XXXX that this account was opened XXXX Now that same fraudulent account is with MIDLAND CREDIT MANAGEMENT INC they are trying to sue me after a cease and desist letter was sent to them to stop any collection activities. 
XXXX XXXX XXXX, XXXX has the account XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX  XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Debt collection

This account was sent to court and was dismissed and this on my credit report, As per the court this should be removed. 
'please see court orders
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. Please delete ASAP.
Product: Debt collection

MCM which is XXXX XXXX XXXX XXXX XXXX keep sending letters and making phone calls on a bill that I believe I do not owe.
Product: Credit reporting

This has been going on for years. I now want to replace my car, so I 'm going at it again. Experian for years repeatedly attaches to my record bad, probably fraudulent debts, connects me to addresses I have never had any connection to. When I 've tried to dispute these items I get form notifications saying that they are my debts and addresses, etc.. I 've lived at XXXX addresses in the past 30 years, incur no debts ( I did have a dispute with XXXX ). I will attach the letter I sent to XXXX and the letter I will send to the XXXX credit reporting agencies. I feel shame, frustration, hopelessness. Did I XXXX someone off? How can anyone repeatedly do this unless their intentions are malicious?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX refuses to update balance and payment history correctly causing XXXX credit score dip by updated information that was from the past not according to statement date at first it was correctly reported on XX/XX/2023 of a XXXX balance then on XX/XX/2023 the updated information from XX/XX/2023 a previous past balance of XXXX which was a past due amount and doesnt correlate with reporting date normally reported after statement date causing dip in score
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, in accordance with the Fair Credit Reporting Act XXXX Acct XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right yo 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

Violation FTC XXXX XXXX derogatory marks left on credit report & CFPB XXXX XXXX XXXX XXXX Breach of my personal information to dark web, XXXX unknown inquires without my consent, Authorization. Breach of data XXXX of XXXX XXXX XXXX XXXX 
And theft of information, Mishandling- of- billing- disputes Practices and XXXX XXXX of Federal and State.Committing XXXX XXXX XXXX XXXX XXXX XXXX Regulations pursuant provisions of TILA violates Card Act Major provisions Probity of Contract Law didnt provide me with ramifications or Consent. FDCPAct [ XXXX XXXX XXXX et sew. ] & ( FCRA ) XXXX ( a ) ( XXXX ) ( A ) This is not a refusal to pay However this notice made pursuant Competent ecvidence, Negligent XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX 
Abusive Acts Practices of charging interest on loans but limited maximum rate of XXXX percent, Violation Federal and XXXX XXXX laws mishandling - of- billing-disputes Practices and XXXX XXXX XXXX XXXX No Notice, Arbitrary Action Rights denied. Old information reappears never goes away.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is with XXXX XXXX XXXX on my Experian credit report. I have filed numerous disputes and the only thing the company changes it the CO date which is completely wrong. It originally showed that the card was charged off back in XXXX XXXX XXXX now all that is shown on there is ND and each month the CO keeps moving. Last month is was on XXXX this month it's on XXXX. This is not right you can't keep charging off an account each and every month. This is an old account that shouldn't be on my credit to begin with or should be dropping off this XXXX but with them continually moving dates I don't think it'll ever drop Something needs to be done with companies like this that constantly try to fraudulently keep things like this on peoples credit reports. I am trying to better myself and they are trying to keep me down. If you look you'll see I have tried to fix my credit and they are continually changing dates. Please let me know if something can be done about this. As I said before I keep disputing but all they are doing is changing the charge off date. Surely that cant be legal. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX twice to remove a fraud alert from my account but it continues to be updated. I called regarding this issues on the XXXX, XXXX, and XXXX of XX/XX/2020. I was informed that this fraud alert would be removed but everytime i look at my report it is not removed and seems to updated to a new fraud alert after i call. 

I called Transunion for the same situation and was told that the fraud alert would be removed effective immediately across all three reporting agencies but it has not been removed on any of the reporting agencies web pages. 

My credit score  was decreased by 52 on XXXX and 74 points on XXXX. I was never given any information as to why it had decreased. Everytime i called i was re-routed to another credit reporting agency that gave me no information as to why my score would have decreased. I believe these organizations are fraudulent and they should be able to report the reasons for any changes to a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My 'credit score ' dropped again today, XXXX points. I receive regular emails from Experian Credit Bureau and today I received an email from Experian alerting me that my credit scores increased. I login, to my Experian account only to be disappointed again, that my score had been decreased XXXX points. There was never any increase today, according to the email sent to me, from Experian, alerting me my scores had increased. As I reviewed my report, to figure out why my scores decreased, there was no explanation. Every time my score get into the XXXX 's, my score drops below XXXX. This has been going-on for the past year ( s ), without fail and no real legit reason, why. 

I would like the 'cfpb ' to review my credit report history to see there has not been any recent negative activity on my 'credit reports ', ( also happening with XXXX ) XXXX I'm told to use my credit cards to increase my credit scores, by realtor 's. I have a credit card with XXXX XXXX that suggest I use my card as much as possible, not to exceed a certain percentage or {$500.00} before the bill is due. Since having this card I've paid my bill on time, long before the bill is due, without fail. Do you know they increased by score, ( XXXX ), XXXX point last month... that is an insult and no appreciation for on-time payments, to the customer, me. 

I've attached my recent Experian report an a screen shot of my fake email sent to me today. I'm requesting reasons for the roller coaster ride I'm on with these credit reporting companies.