23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate reporting of late open accounts on my credit report. Despite my repeated attempts to rectify this issue, the erroneous late payment status remains unjustly impacting my credit profile. 

I initiated the process to address the inaccurate reporting of late open accounts on my credit report. I provided comprehensive documentation and explanations to demonstrate that these late payment statuses were incorrect and should be corrected without delay. However, to my disappointment, subsequent reviews and investigations by your agency have failed to rectify this issue, leaving the late payment statuses unchanged. 

The presence of these inaccurate late payment statuses severely undermines my creditworthiness and financial credibility. It misrepresents my credit history and financial responsibility, leading to adverse consequences such as higher interest rates, difficulty obtaining credit, and hindered financial opportunities. 

I urge your agency to take immediate action to correct this matter. Specifically, I request that : The inaccurate late payment statuses on my open accounts be promptly corrected to reflect the accurate payment history. 
A thorough investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to address this complaint and restore the accuracy of my credit report.With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

This company sent me a letter stating they represent the IRS. The letter states an incorrect amount and doesnt reflect the payment arrangement made with the IRS. This debt was paid today. I want this company to stop sending me communications.
Product: Credit reporting or other personal consumer reports

I have an issue with the investigation of the dispute that I submitted with the CRA about the inaccuracy of information they are housing on my credit report and also the investigation in the their reporting and verifying information using the E Oscar system and verified inaccurate information. I disputed a late payments and the company investigation returned the dispute as verified which is inaccurate. I also contacted the company that reported the alleged late payment because when I disputed the late payment it came back as verified, and XXXX XXXX said that they did not verify that late payment with the CRA because it is in fact incorrect information and when I reached back out to Experian about the late payments a representative told me there was a glitch in their system because they have XXXX payment already posted as paid which is also incorrect. 
Rights has been violated USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting

I paid {$1.00} for an annual credit report and was automatically signed up for a {$22.00} a month credit reporting service which I did not want nor was it made clear that I would be signed up for.
Product: Mortgage

I previously filed a complaint with the cfpb about my mortgage company wells fargo, and am having a hard time logging on to dispute it so I am filing a new one. They are stating that they did not know there was a stay on my property, they have the paper from the judge dated XXXX/XXXX/XXXX stating there was a stay untilo modification completed.They also stated that my home was not illegally sold, against the judges order, on XXXX/XXXX/XXXX, when in fact it was put up for sale that day and did note sell. The bank then took it back, once the sheriff department caught what happened, it took about 2 weeks for the deed to be put back in my name. Believing that they owned the home once again, they immediately filed an eviction motion with the court. Again they are stating this all did not happen when I have proof that it did. They did then move forward in an attempt to sell the home on XXXX/XXXX/XXXX because they believed that they held the deed on the property. It was stopped becasue I filed a motion to compel/force the order, the judge ruled on in XXXX. I now have the opportunity to go before the judge to tell what they have done.The judge informed the attorney for wells fargo that they had the right to appeal her decision. They did not and instead refused to follow her order, waited a few months and then tried to foreclose on the property. They are well aware that there was a stay issued on my property. That is why they were unable to foreclose on the property in XXXX. Also at this point I have been receiving calls and letters from wells fargo, each time with a new person who is supposedly my point of contact. I do not have a single point of contact. On XXXX XXXX, XXXX I received a letter from XXXX XXXX who informed me that she is now my Home Preservation Specialist. They are claiming that she was my point of contact from XXXX XXXX and that it is documented several times that she attempted to reach out to us and we never responded. I have never not answered or returned a call from wells fargo, in hope that maybe the call would contain good news for a change. This woman was never my point of contact. My contact was a mister XXXX XXXX, a horrible rude human being. I am attaching all papers to this complaint so that I can show that there response to my first complaint is an out and out lie.
Product: Credit reporting or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my lawfully leveraged consumer complaint. I have retained a record of your receipt and proof as well of the exact date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the equitable Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the legitimate Debt Collection Behaviors Act Section 807 ( 8 ), the mandatory metro 2 formatted reporting standard ( s ) of compliance and others even by your deficiencies and also by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is undeniably not certified dutifully disclosed, provable as proclaimed and/or is plain and simply entirely inaccurate and incomplete and represents a very serious error in your reporting. Either way, the claim is in dire disregard of my consumer rights and your required perfect provable compliant reporting ( s ) of only proper unabbreviated correct timely verified valid claim ( s ) even in regard to the required perfect correct complete certifiable Metro 2 format reporting standard ( s ) of lawful reporting! YOU MUST ERADICATE the claim ( s ) of any delinquency and or derogatoriness that is questionable such as in this exact circumstance.
Product: Credit card or prepaid card

Hello, Since XX/XX/2022 I have reached out to Citi Reward Credit Card.. concerning a dispute. 
I paid my acct off XX/XX/XXXX ' And have never used my card since.. Then fraudulent charge came on my card.. I disputed it and they removed it. 
In XX/XX/XXXX ' Another fraudulent charge was on my card.. They said they would just give me a new card... 
XX/XX/2022 I received a new card. I never used the card but then they started saying I owed them money.. I called and told them I've never used the card and they said I would have to speak with supervisor. No one ever came to phone... 
I called back and waited several times on hold for XXXX min at a times only for them to hang up on me or no one would come to the phone.. this has been going on for months now. 
I am being Harrassed over and over again by Robo calls saying I am past due. 
. I've sent emails. phone calls sent them a letter, and a chat... .No response I've rpt this to my credit bureau.. Now theyre saying I owe {$65.00}????
Product: Credit reporting or other personal consumer reports

to whom this may concern but XXXX XXXX is prohibiting me from. full utilization of my credit leverage, also false late payments stated have decreased my credit score, the XXXX XXXX XXXX  vehicle loan is incorrect. currently stats the loan is for the personal owner is " XXXX XXXX ". upon purchasing the vehicle loan we stated this would be for a commercial vehicle " XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

please fix this issue asap thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute XXXX XXXX, has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
XXXX XXXX is {$190.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$190.00}? Read their validation letter Does the letter says {$190.00} high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you Equifax responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you Equifax responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I made attempts to fix this directly with them they are violating my rights so I'm entitled to {$1000.00} for every violation listed, they either pay me or delete these accounts ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX  COLLECTION ACCOUNT {$500.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct. # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX  COLLECTION ACCOUNT {$790.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX COLLECTION ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXXS Account Number 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 an account without my written instructions. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX  COLLECTION ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct. # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX  XXXX XXXX  acct. # XXXX Original Creditor Name XXXX XXXX XXXX  COLLECTION ACCOUNT {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct. # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : LEGAL DEMAND FOR IMMEDIATE COMPLIANCE WITH FCRA IDENTITY THEFT DISPUTE I am writing to formally demand the immediate deletion of the fraudulent XXXX XXXX XXXX XXXX account from my credit report. Despite submitting a valid FTC Identity Theft Report, TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by continuing to report this unauthorized account. 

Violations of Federal Law Your failure to act violates the following federal statutes : 15 U.S.C. 1681i Failure to Conduct a Reasonable Investigation TransUnion failed to properly reinvestigate my identity theft dispute and continues to report the fraudulent XXXX XXXX XXXX XXXX  account. 
15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy By maintaining and reporting inaccurate and fraudulent information, TransUnion has breached its duty to ensure the maximum possible accuracy of my credit report. 
15 U.S.C. 1681c-2 Failure to Block Identity Theft-Related Information Under the FCRA, TransUnion must block fraudulent accounts within four ( 4 ) business days upon receiving an FTC Identity Theft Report. The continued presence of this account violates this federal mandate. 
Fraudulent Account to be Deleted Immediately XXXX XXXX XXXX XXXX ( Fraudulent Account ) Legal Precedents Supporting XXXX XXXX XXXX XXXX Trans Union Corp. Establishes that credit bureaus must conduct a thorough investigation before verifying disputed information. 
XXXXXXXX XXXX XXXX  XXXX XXXX Reinforces that credit reporting agencies are liable for reporting inaccurate data. 
CFPB XXXX XXXX. XXXX Demonstrates that TransUnion has been penalized for similar FCRA violations in the past. 
My Formal Demand I hereby demand that TransUnion : Immediately and permanently delete the fraudulent XXXX XXXX XXXX XXXX account from my credit file. 
Provide written confirmation that this account has been removed and will not be reinserted. 
Cease reporting this fraudulent data to any third parties. 
Failure to comply within 15 days of receipt of this letter will result in escalation of legal action, including : Filing a formal complaint with the CFPB and FTC for noncompliance. 
Seeking statutory damages under 15 U.S.C. 1681n for willful violations ( {$1000.00} per violation ), plus punitive damages. 
Pursuing legal action in federal court for negligent noncompliance under 15 U.S.C. 1681o, including recovery of attorneys fees and costs. 
This is my final notice before escalating legal action. Please send all written confirmation of deletion to my mailing address above. 

Sincerely, XXXX XXXX
Product: Debt collection

Ive paid all amounts owed to the following property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The attached file is my final account statement, reflecting that the was no remaining balance as I had paid all that I owed on the account. 

The account KIMBALL TIREY STJOHN is reporting that I had an amount due of {$550.00} as of XX/XX/XXXX originally owed from XXXX XXXX XXXX XXXX - that they are trying to collect, but as the attached Final Account Statement from XXXX XXXX XXXX XXXX with the date XX/XX/XXXX shows this is not true, and that there is no remaining balance from them as they are stating. 

Additionally, this amount was not reported to me until XX/XX/XXXX. Where I received a letter advising I owe them over {$2000.00}, which includes the accrued monthly late fees of an amount they state exists but does not. 

This is a blatant abuse of my financial rights and is unfair conduct, inflicting an extremely negative affect on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was removed as an Authorized user for a Discover account in XXXX, XXXX. However XXXX and XXXX credit bureaus are still reporting this account as active. 
I am requesting Discover provide me the XX/XX/XXXX AUD they submitted to XXXX, XXXX, XXXX and XXXX The AUD is the automated digital version of the form, which was originally called the Universal Dataform ( UDF ). Once the AUD has been prepared, the furnishing party sends it using XXXX to all of the credit bureaus where the error is appearing on your credit report Two Credit bureaus claim Discover never submitted an AUD updating the information concerning this discover account