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

My complaint is the way all three credit reporting companies ( XXXX, XXXX and Experian ) use selective data to determine an individual 's credit worthiness. My credit score was over 800 just 3 months ago and now it is XXXX with XXXX and XXXX with XXXX.The reason it fell so drasticly is because we bought some furniture and decided to take advantage of an offer for a credit card that had 0 % interest for six months. In addition, applying for this card lowered our total purchase price on all the furniture by over {$500.00}. The card company established a " credit limit '' on the card for exactly the amount of furniture we bought which meant that when the credit reporting companies got the information, the " furniture company '' credit card was " maxed out '' at 100 % of available credit. This in turn made our total credit usage on two cards at 50 %. What the credit reporting agenciies don't look at are the consumers bank accounts ( we have about {$750000.00} in three separate savings accounts ) mortgage free property ( we own two homes debt free that are worth {$500000.00} ) and money ( {$300000.00} ) in a money  market account with a stock brokerage firm. I have NEVER been delinquent on a payment. I pay my credit card ( other than the furniture card ) balance in full monthly. The credit reporting companies say the " age of my credit '' is one year. I am XXXX years old and have had stellar credit my entire life with many accounts over the years that were paid in full and then closed. 
My credit score is very important to me and I just need to have someone explain to me how I am now only a " fair '' credit risk. It seems to me the credit companies should expand their information base about an individual in my circumstances to take all the above factors into account. 
Please let me know what my options are. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   GRP LL ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX   XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$4300.00}, {$1600.00}, {$4500.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- CLOSED ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Mortgage

There was an escrow disbursement on XX/XX/2020 for {$2400.00} that was never sent to the insurance company because the policy was canceled. The check was never disbursed back into my escrow account which created an escrow shortage. My monthly payment immediately increased almost {$200.00} to XXXX. I called AmeriHome ( XX/XX/2020 ) and asked for the check to be redistributed back into my account, so my payment would adjust. The representative said he didn't understand and hung up on me. This happened twice on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is reflecting on XXXX, and Equifax that I have a late payment in XX/XX/year>. This information is incorrect. I have never had a late payment on any account and my payment history will show that. XXXX reflects that I made the payment on time. This error is affecting my credit score and my life. I would like this error fixed as it is incorrect and negatively depicts my financial behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX XXXX- Account Number : Inquiry Date XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : Inquiry Date XX/XX/2020 This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX which was over 8 months ago regarding unauthorized inquiries and accounts on my Experian report. An FTC report was already submitted. Please see the attached dispute letter which is dated, and time stamped and remove the following authorized inquiries from my credit report within 7 days : XXXX XX/XX/XXXX and this unverified collection account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit card

After this claim was filed I was assigned to XXXX XXXX. She stated that she was the highest level of Escalation. She could not understand simple XXXX evidently. I spelled out EVERYTHING VERY thoroughly! 
When this problem first started, Wells Fargo promptly Wiped the following things from my Internet online account - My last XXXX transactions, and my Rewards ( which they informed me were forfeited because they said so. What wasn't erased was that I owe them {$5.00}, which is NOW XXXX and climbing. If the XXXX transactions were still visible, we could have TOTAL transparency and easily solve this mystery. Now I have NO Credit Card with a XXXX credit score! UNACCEPTABLE! 
I never paid any partial amounts, ALWAYS full transaction amounts added together.
Product: Mortgage

We refinanced our mortgage and home equity loan, leaving Green Tree and going to XXXX and closed on XX/XX/XXXX XXXX Mortgage wanted us to pay our own homeowners insurance and property taxes, NOT have an escrow. We agreed and our insurance company XXXX also agreed; we stared paying directly then. However, Green Tree had over XXXX of our money in escrow and erroneously sent it to XXXX, not to us. On XXXX I talked to a representative at XXXX, made it clear we did not want to pay that on our insurance (which we were already paying monthly to them). XXXX said it is illegal for them to send our money directly to us - they are required to send it back to Green Tree for Green Tree to return to us. XXXX "complicated billing" staff assured me the check would literally be mailed to Green Tree on XX/XX/XXXX. On XXXX I spoke to a representative at Green Tree making it clear that we did not want Green Tree hanging onto our money for a month so they could make interest on it (when this is done with many customers it adds up to a great deal of money).  Green Tree rep assured me that "since the account is closed the check will be forwarded to you" when Green Tree receives it.  Today - XX/XX/XXXX - I called Green Tree and was told that the check mailed on XX/XX/XXXX allegedly was not delivered to Green Tree until XX/XX/XXXX and was logged in as received on XX/XX/XXXX.  Now they are claiming that we will have our money back in XXXX days.  It appears that someone is making interest on our money which they have no right to have at all.  In fact, we are losing interest we could be making on our money if we had it.  I cannot believe this is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft ... I have supplied the credit bureau and creditor with the proof that I was never late and made all payments on time and the credit bureau and creditors refuse to remove the late payment which is a voilation 15 U.S. Code 1681i FCRA XXXX XXXX with late payments to re appear on my credit report causing me personal injury. 
I have send multiple certified mail receipts on this matter over the course of the last 2 years. XXXX XXXX, XX/XX/2020, XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. 

For the last time please take a look at my attachment and follow along : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/year>, closed on XX/XX/year> and reporting as two seperate accounts on credit report : ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? 
2. How can you say you call the company and verified reporting inaccurate information? 
3. How can you close the same account twice at the same time on a credit report? 


Item # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never have an account or done business with XXXX XXXX XXXXXXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXXXXXX XXXX, they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. 

Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Inaccurate information I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 
Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report.
Product: Credit card or prepaid card

I did not open ANY of the following accounts. They are fraudulent. XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : 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. 

Account number : # XXXX Account name : # 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 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: Credit card

I was told I owe old capital one card for over {$2400.00} but settle {$2000.00} to pay {$50.00} a month. But I never had account or card years before back before XXXX or any card. I told them I wanted to refuse and dispute this matter due to never used it and had it. Cause I'm on fixed income only child support, have XXXX XXXX XXXX to take care of. I can't pay a debt that I didn't create.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made inquiries into my consumer credit profile without my consent and without my authorization. I have disputed these fraudulent inquiries with the consumer credit reporting agencies, XXXX & equifax but those agencies have not proven the validity of these inquires. I have also contacted the fraud departments of both agencies with XXXX progress made to remove these inquires. 


XXXX XXXX XX/XX/2021 XXXX Equifax XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, EQUIFAX & XXXX XXXX XX/XX/2021 XXXX XXXX
Product: Vehicle loan or lease

Hyundai finance is not reporting my balance accurately to credit agencies. Even i paid the loan they aren't updating it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Report and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Dept of EducationXXXX : XXXX Please investigate and provide Proof with statements showing that this payment was late. If proof can't be provided I demand this payment be updated to on time as they should be as I was NEVER Late. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX acct : Bankruptcy # XXXX, XXXX XXXX # XXXX, XXXX XXXX # 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. 

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 state s a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 681 : XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX The above have 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 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

On XX/XX/2022 I was alerted by XXXX, XXXX, and XXXX that Merchants Credits Guide put a {$270.00} Grid C collection on my credit report. This collection account is unknown to me. I've sent verification letters to Merchants Credit Guide asking them to verify with competent evidence that I have any legal obligation to pay them. I requested the following : What the money they say I owe is for, to explain and show me how they calculated what they say I owe, to provide me with copies of any papers that show I agreed to pay what they say I owe, to provide a verification or copy of any judgment if applicable, to identify the original creditor, to prove the Statute of Limitations has not expired on this account, to show me that they are licensed to collect in my state, and to provide me with their license numbers and Registered Agent or Agent of Service. 

By law, they can not " certify '' to the bureaus that any of their information is correct until they provide me with the requested proof. I explained that during my dispute with XXXX, and XXXX dismissed by dispute and stated " the company has certified that this information is correct. '' Additionally, consumer law 15 U.S CODE 1861 ( b ) : PERMISSIBLE PURPOSE OF CONSUMER CREDIT is being violated by the company and by XXXX because they did not get my permission to report on my consumer credit. I demand that it be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I learned that negative report information had been submitted by Bank of America. Upon receipt of my XXXX   report in XX/XX/XXXX, I immediately disputed same on the basis that I did not engage in suspected fraudulent activity. I advised that the information was false and that I had no knowledge of any suspected fraud activity, on my part. I requested the negative information be verified, and upon the assumption it could not be, subsequently removed from XXXX. I have never owed money to Bank of America that would have resulted from mishandling of my account. On or around the day the account was closed, I still had funds in the Bank of America checking account, which I believe have been returned to me although I can not remember for certain. Despite all of my attempts to contact Bank of America and have this information removed, I have been unsuccessful. To date, I still have not received any information from the bank verifying the accuracy of this activity and I continue to maintain that any suspected fraudulent activity was not done on my part and I have never knowingly and/or intentionally mishandled an account with this or any other institution. On XX/XX/XXXX, after being denied for another bank account, I received a XXXX   report indicating that this institution continued to report negative information. I again disputed the information on the basis of its inaccuracy. I again requested any documentation that the bank believed would verify the accuracy of their negative reporting. As of this date I have not received one document. On XX/XX/XXXX I received a third XXXX report after continuing to be denied for a bank account, except this time denied at a local credit union. This institution continues to report suspected fraudulent activity despite the fact that it is false and is a clear violation of the FRCA which requires them to accurately report information, and correct and remove any immaculate information. The report itself implies that it has not been verified by indicating that any such fraudulent activity, albeit denied, is merely suspected The FRCA requires this institution to verify, with proper documentation, this informations accuracy within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years since the date that this was first reported and this institution has not provided one single document to prove or verify the accuracy of this account. The negative reporting information has inhibited me from getting a bank account and I am facing severe financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account with my information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have been disputing this for almost two years. I am desperately seeking your help as I have exhausted all of my options.
Product: Debt collection

this rental debt does not belong to me as i was currently in XXXX XXXX around the time this debt was created. i do not rent apartments, i live with my parents.