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

I am writing to formally request that the accounts and inquiries listed below be blocked and deleted from my credit report in accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and fraudulent accounts have been created in my name without my authorization. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I expected my MIP/PMI insurance to be dropped automatically once my principle balance was below 80 % of my original appraised value. However, I noticed this did not happen, so I called PNC in XX/XX/2020 to inquire about it. The representative told me that it was based on the original amortization table and the date it reached 80 %, if I had made additional principle payments they are not taken into consideration unless I call and request the insurance be discontinued. He looked at my loan to original appraisal value and it was at 67 % and said that he would take care of my request. In XXXX, I logged into my account and saw the payment had again been made. I called and the only way to drop the insurance is for my to go to the trouble and expense of having yet another appraisal less than 5 years from the original appraisal to prove my home value is not only the same but has risen 24 %. My monthly payment is auto-drafted from my checking account and has never been late. I have also paid an additional XXXX in principle. I have an incredible credit history, and this is just taking money out the pocket of a hardworking American. 

Additionally, the principle payments I have made have been misapplied as payments to interest every time, even though I followed the instructions given by PNC to the letter. They do not have an option to make a principle only payment online, but a check has to be mailed in with apply to principle on the memo line. It is then my responsibility to login and see that the payment was correctly applied.
Product: Credit reporting or other personal consumer reports

I looked at my report in XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

I sent a letter asking them to reinvestigate the accounts listed below because Please see the letters sent along with the tracking numbers for this letter # XXXX It shows letters are received but I did not receive a certified letter in the mail stating a response and it is well over the 30-60-90 days. I need this corrected as soon as possible
Product: Credit reporting or other personal consumer reports

Re : Disbute of inaccurate and/or incomplete information in the consumer report.

To Whom It May Concern, You are reporting inaccurate and/or incomplete information concerning my consumer reports. Your conduct has caused me distress and financially harmed me with cost and loss opportunity. 

The following alleged Public Record you are reporting concerning me is inaccurate and/or incomplete, also unverifiable by you : Re : Reported Bankruptcy Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached ) I then contacted XXXX and informed them of their errors in the reporting and they responded with a letter deleting any and all Public Record notations.

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax misused of credit file. Disputing accounts that I did not request. Making faults statements on my credit file. 
Tried to communicate with the supervisor XXXX and The CEO XXXX. No response from either one of them regarding the misused of my credit file. 
XXXX XXXX XXXX card Equifax had went behind my back to dispute and Good Credit on file that had been PAID OFF years ago. XXXX XXXX XXXX card. Last reported from creditor XX/XX/XXXX Pays As Agreed. The account been CLOSED as of XX/XX/XXXX and last payment to the creditor XX/XX/XXXX. Credit in good standing. I do not know why Equifax decided to dispute the account behind my back on XX/XX/XXXX and took out PAID. I had been communicating with a dispute specialists by email. XXXX XXXX. She did not remove the dispute remark and put PAID back on the account. Instead she put another dispute on the account XX/XX/XXXX left out PAID. Then on XX/XX/XXXX the remark Went back to Account closed at consumer request and added Consumer dispute after resolution. and put Transfer/Sold and left out PAID. Because of the disputes that I did not request. My credit is damage because of it. 
XXXX XXXX The last reported date from creditor was on XX/XX/XXXX over 2 years ago. The creditor had sold the debt to a debt buyer who had lost authority to report anything to the account. 
Equifax had went behind my back to dispute XXXX XXXX just to modify the account on XX/XX/XXXX. and again on XX/XX/XXXX. I had file a dispute on the account that started XX/XX/XXXX regarding unauthrized dispute on XX/XX/XXXX. .Tried to communicate with Equifax XXXX The account again was in dispute on XX/XX/XXXX and again on XX/XX/XXXX to prolong the XX/XX/XXXX dispute that I request regarding the unauthrized dispute on XX/XX/XXXX. My credit is damage. 
. 
XXXX XXXX XXXX. 
I had tried and tried to dispute XXXX for braking into my credit file when a security freeze been attached to file as of XX/XX/XXXX. Every dispute been ignored. Equifax doesn't care if the collection account is in the wrong spot in the file and wrong information. 
I had tried again to file a dispute that was enter on XX/XX/XXXX and I believe it ended XX/XX/XXXX. There was a dispute on the account as of XX/XX/XXXX that I did not requested. Tried communicate with Equifax again about the account. Another dispute was enter on XX/XX/XXXX and on XX/XX/XXXX It stopped after that. 
Very unprofessional employees at Equifax.
Product: Debt collection

My auto company CNAC makes repeated calls to me and XXXX other people that are my friends and relatives no matter how many times I give them what they need. It wo n't stop and it needs to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of Federal Law. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor and the credit bureaus, as willful non-compliance. Discover Bank XXXXXXXXXXXX Open Date XX/XX/2012 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

I contacted the Home Depot Headquarters as well as XXXX XXXX XXXX XXXX for having inaccurate information on my credit report. The initial contact took place in XXXX, XXXX, XXXX, XXXX, XXXX. Initially some of the information such as phone numbers etc that were clearly never mine, were removed, however, other things such as late payments in XXXX and false information was not removed. So, I contacted them again stating that I had proof that the information was wrong and they refused to correct it. I provided the proof and also stated that lying about information can result in me being able to sue the credit agency and the store. They still refused to correct it. After many months of going back and forth via mail. I never heard from Home Depot directly, or Citibank where the credit card is issued by. I always would hear from the credit reporting agency. Then on XX/XX/XXXX I received an email saying that I needed to make a payment on my account, that it was a communication to collect a debt. I did not understand this because my account has been in a closed status, by myself initiating it, and paying off the balance in XXXX dollar payments monthly on the XXXX of every month. It has been in this status for almost a year, I have adhered to the program, and never been late. I also did not have any problems with them until I wrote to the company disputing inaccurate information on my report. I called Citibank/Home Depot on XX/XX/XXXX at XXXXXXXX XXXX and spoke to XXXX and asked why I was receiving the email, and she said so that I can make a payment. I said, I dont owe you anything until the XXXX of the month, I already am in a payment plan, and everything was fine up until me asking to have certain things corrected in my letter regarding my credit history with Home Depot . She apologized, agreed that I never had been late in any payments and that she would make a note of it. I said I am going to file a complaint because, that is false information, and using threats via an email to pay an account that is being paid. When a payment plan is in place, and a person is following the agreement, you dont just start threatening debt collection and to make a payment. That is illegal. ILLEGAL HOME DEPOT & CITIBANK! its bad enough that you wont correct my report, but then you threaten me, with bogus emails. This is not ok, it is wrong, and shame on you. I will dispute this, file complaints, continue to send letters and inform who I must about this deceitful, gross tactics!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies n my credit report. Despite my submissions, XXXX consistently responds within XXXX 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 the necessary proof of investigation.
Product: Debt collection

I have no idea why this company claims I owe them. I never received anything in the mail just an alert on my credit report. I have no idea regarding this account
Product: Credit reporting or other personal consumer reports

Dispute Of Inaccurate Collection Amount - FCRA XXXX XXXX & XXXX I am writing to dispute the accuracy of the following collection accounts on my credit report XXXX. XXXX XXXX XXXX for amount of {$2000.00} opened on date XX/XX/XXXX XXXX XXXX XXXX XXXX for the amount of {$220.00} opened on date XX/XX/XXXX XXXX. XXXX XXXX XXXX for the amount of {$91.00} XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX for the amount of {$540.00} opened on date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX for the amount of {$370.00} opened on XX/XX/XXXX I am not liable for these debts. I do not have contract with any of these companies. They did not provide me with the original contract with my wet signature and ID verification. 

XXXX XXXX XXXX - Requirements relating to information contained in consumer reports. 
Under XXXX - False or misleading representations Under XXXX - Obtaining information under false pretenses Under XXXX ( m ) - exclusions ( collection accounts ) Under XXXX - Civil liability for willful noncompliance Under XXXX - Validation Of Debts Provide proof of these alleged items, specifically the original application, contract, note, or other instrument bearing my signature. Failing that, the items must be deleted from my credit report as soon as possible. 

Reason for dispute : The debt does not belong to me or is charged off. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX {$1600.00} ( a ), you are required to conduct a reasonable re-investigation of disputed information. Additionally, furnishers must provide sufficient documentation to verify the validity of the debt ( XXXX XXXX $ XXXX ( b ) ) If this debt can not be validated with proper documentation, it must be removed from my report immediately ( XXXX XXXX $ XXXX ( a ) ( XXXX ) ) Thank you for your prompt attention. 

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

This is in regard to collection listed XXXX XXXX XXXX for {$230.00} on XX/XX/XXXX Transunion. First time appearing on my credit report. 

XXXX XXXX membership and access to the fitness club were closed during Covid. I was paying mo! monthly membership but could not access the club. I contacted XXXX XXXX several times to cancel my membership and it was not processed. Gyms have been closed for about 9 months and now they are opened with one having to wear a mask during a workout. 

I called 2 times to this collection agency ( first on XXXX and then on XX/XX/XXXX ) to ask them to call me regarding that I cancel the membership and it was not processed. No one called me back. Called today and left a message. I also called XXXX XXXX today XX/XX/XXXX and they said they noted that my membership was not processed. The gym was closed and for a while, I was still paying for a service that I was not able to access. XXXX XXXX should reimburse me. I am requesting that this collection amount be taken off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Review has taken over 30 days and no results
Product: Checking or savings account

In XXXX, Wells Fargo froze my checking accounts for no valid reason without notice. I could not fix the problem over the phone as they refused to help. 

As a XXXX person with low visibilty, I was forced to get a ride and go into a Wells Fargo location to deal with the issue. I was at that location for 6 hours to get the account unfrozen. I live in pain and this was more than difficult for me. 

Well Fargo never told my why the account was frozen for no reason. 

Only six months after finally unfreezing my account, Wells Fargo closed my account without any notice in XX/XX/XXXX. I once again had to get a ride to go to the local branch in person to get my money out and they made it very difficult and it took another 7 hours. I was forced to spend a week as a XXXX person to open a new account elsewhere for my direct deposits for XXXX. 

Again they did not tell me why they closed the account. 

I am aware the XXXX has levied XXXX XXXX for many fraud activities by Wells Fargo for freezing and closing accounts for no reason. 

I called Wells Fargo today and they refuse to file this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Macys credit card in XXXX. Apparently it was closed shortly after and there was a balance. I called to pay the balance and was told it reached the statue of limitations and I was unable to pay the balance. Its been XXXX  years since XXXX and yet they still report negative to the credit Bureaus. It says it wont get taken off until XXXX of XXXX. Thats over a decade from when it was closed. I would pay the balance if the company would let me but that wont. If I cant pay the balance and its been over a decade, why are they still reporting negatively? The next step is to call a law firm and go to court. This is ridiculous. Ive reached out to the company and tried filing several disputes but every time I file a dispute, the start the clock over for when it will be removed. Please remove Macys from my credit report if Im not able to pay the balance or do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 15 accts on my credit report that do not belong to me I have contacted the bureaus as well as all the funrihsers regarding this and nothing is being done I have no idea how these account appear on my credit report or who is using my identity please help me with the removal of false information on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Reason : This is not my account
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 am sending this CFPB complaint to inform you that I have been patiently waiting on the response about the written requests I sent to 3 credit bureaus. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Sections 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NM XXXX.