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

IN Accordance with the fair Credit Reporting act convergent, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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



15 U.S.C 1681 section 602 A. Section 2 It also states a consumer reporting Agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1.15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the inquiries listed IMMEDIATELY!
Product: Mortgage

I am nationstar mortgage I am making my payments on time every month I try to pay something extra on principal I looked at my payment history I saw that $ was n't there I called them they said the $ is in suspense account that I have no history on account or in payment history no discloser at all no contact at all if I did n't check my history and that happened if I did n't I will lose all my hard earn $ behind it this is not fair. Unfair of this company to treat me this way and I do n't know how many more
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX-Account # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification XX/XX/XXXX from a financial services company ( XXXX ) that my credit score was reduced 10 points because : I applied for a reduction ( refinancing ) in my VA mortgage interest rate in XXXX, 2020 which was granted and greatly improved my financial condition. Since a credit report was not required for a VA refinancing, and my 10 point reduction took place two months after the refinancing was complete, I was told that the reason for the reduction was because I added a new account to my report. If anything, my credit report should have improved.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries and didn't allow companies to run my report multiple times or at all. I do not recognize any inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

An account on my equifax report has been disputed twice once last year and again in XXXX of this year and it is for XXXX XXXX XXXX. The company either never responded to the dispute of equifax did not reflect any changes to the account. It still shows n/a for amount and date of last payment but shows I was over 90 days late. If the creditor did not reply within 30 days to validate the debt from the credit bureau then it should have been removed a long time ago. I would like for this item to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my XXXX, my XXXX  my XXXX XXXX XXXX and to my XXXX  I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2023 Amount {$710.00} Collection Agency ( XXXX  ) for ( XXXX  XXXX ) I paid this debt in full. I never got a reciept from the company, stating I paid in full, I had to call and ask for paid in full document. I consistenly asked XXXX  XXXX and XXXX to remove it off my credit report and its a cat and mouse were collection agency is saying capital one has to do it and visversa. I'm getting nowhere please help.
Product: Credit reporting or other personal consumer reports

Subject : THIRD AND FINAL ATTEMPT - Dispute of XXXX XXXX Charge-Off Violation of Consumer Rights Dear Equifax , This letter is a formal demand to correct or remove the XXXX XXXX  charge-off account from my credit report due to significant inaccuracies and failure to verify. The account details are : Creditor Name : XXXX XXXX  Account Number : private Despite my previous dispute, Equifax has failed to provide the required documentation to substantiate this accounts accuracy, as mandated under 15 U.S. Code 1681i ( FCRA 611 ). The reporting of this account is inaccurate for the following reasons : 1. Late Payments After Charge-Off : Reporting monthly late payments post-charge-off is redundant, misleading, and a violation of FCRA 607 ( b ), which requires maximum accuracy. A charge-off already indicates delinquency, and additional late payments are inaccurate. 
2. Re-Aging of Account : Repeatedly updating this account as a new delinquency unlawfully extends the statute of limitations and harms my credit profile. This practice violates federal law.

Under FCRA 609 ( a ) ( 1 ), I am entitled to review the documentation used to verify this account, including : The original contract bearing my signature.

Complete payment history and proof of default.

Documentation substantiating the charge-off and any updates.

If Equifax can not provide this evidence, this account must be deleted under FCRA 611 ( a ) ( 5 ). Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action under FCRA 616617 for willful or negligent non-compliance. 

I expect confirmation of removal or verifiable proof within 30 days.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I mailed off a letter to XXXX about unauthorized inquiries reporting on my credit report on XX/XX/year>. I did not received anything back from them. I asked them to please remove the inquiries and to write me back a letter when they have been removed. they didn't do that. I also requested them to send me something saying they received my letter. I got no response. I also got the letter notarized by a publicly bonded notary. Some of the things I included in the letter was a violation of 15 USC 1681b2 explaining that they didn't have my written permission to include such information on my consumer report and the inquiries were unauthorized because they were in no benefit to me and I didn't submit any application to get any extensions of credit. I mailed that off certified mail which I can include a picture for proof of delivery. I have also done this same process with Experian and XXXX. Attached I have proof that I have mailed all these credit reporting agencies twice and have received no response from any agency. I also have attached a letter I sent to XXXX informing them of the inaccuracies. I didn't include XXXX or Experian 's letter because all I did was switch the credit reporting agency that was violating my consumer rights. 

I sent a second letter titled opportunity to cure giving XXXX a chance to redress the situation. The letter contained the same information in the first XXXX and I still did not receive written request. The day I mailed off the second letter was XX/XX/year> certified mail. I can also provide a picture for proof of delivery of the second letter. In the second letter I included that 15 USC 1681n is the violation for civil liability for noncompliance and they still didn't not try to reach out to me the consumer/principal. 

I am seeking monetary relief for {$2500.00} and this is a fraction of what is due to me due to the noncompliance, violations, and improper use of my credit. XXXX is sharing information that is inaccurate and unfair per 15 USC 1681a and they have effected my credit worthiness, credit standing, credit capacity, my character, and my general reputation as a consumer. Thanks for your immediate attention to this matter.
Product: Debt collection

I received a letter from XXXX XXXX on XX/XX/XXXX stating the amount of my debt is {$640.00}. I checked my credit report about a month ago ( XX/XX/XXXX ) and that was still the amount listed on the debt. I received a letter from XXXX XXXX on XX/XX/XXXX and they are now saying the amount I owe is {$1000.00}. The letter from XX/XX/XXXX is offering me a settlement of {$500.00}. I contacted them offering them {$300.00} to settle and informed they are charging me more than my balance when my account was charged off/closed. He stated they are charging me 17 % interest and I should write a check for my original amount of {$640.00}. When I said I would pay {$300.00} he said he wasn't going to negotiate with me. When I stated they were already trying to negotiate with me he said he had no record of it and I read the letter that was sent to me he said I should just pay my original balance and I wouldn't have a problem. I asked for his name and he wouldn't give it to me and he ended the call.
Product: Debt collection

started screaming at me told me he'd see me and my husband in court. 

i said I had proof that i paid this bill through another collection agency and he screamed calling me an XXXX and calling me names and harrassing me I received garnishment papers to my then job at XXXX XXXX to where they talked to the owner claiming all debt was resolved XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

I submitted a charge dispute to Synchrony Bank, the issuer of my Amazon Card, in the amount of {$820.00} on XX/XX/2020 for a purchase that was not received from the vendor, Amazon.com. I received a letter from Synchrony dated XX/XX/2020 stating that credit would not be issued to my account as the vendor has provided proof of delivery. The letter indicates that this proof of delivery is enclosed, but there are no attachments. In subsequent phone conversations with Synchrony I informed them of the missing attachments. I was told that I would receive the attachments in the mail, but have not received anything for nearly 2 months. In other various follow-up correspondence with the vendor both written and via telephone, I have been asked to repay or return the disputed amount as Synchrony performed a charge back against the vendor 's account on or around XX/XX/2020. According to the vendor, the {$820.00} has not been returned to them and they have been unable to perform any kind of refund on their end, despite a willingness to do so, as the funds are missing from their account. I have written Synchrony requesting that the funds be returned to the merchant and received responses on XX/XX/2020 and XX/XX/2020 from Synchrony. In both instances, the written responses from Synchrony do not address the original inquiries as to where the funds currently are and why Synchrony has not returned it to the merchant if the dispute has been resolved. Synchrony has responded to my inquiries by opening another charge dispute for the same purchase, which was not requested by me. In subsequent phone conversations with Synchrony, I was informed that Synchrony does not perform charge backs on vendors unless disputes are resolved in the card holder 's favor. Synchrony was not willing to provide documentation to me supporting this policy regarding charge backs nor any documentation indicating that the funds were never removed from the merchant 's account in the first place.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been added to my credit report. These entries were not authorized by me, and under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that they be blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I requested validation and verification of the account it was deleted off of my credit report in XX/XX/XXXX. I then was approved for a XXXX  XXXX credit card XXXX, XXXX. They re-aged the debt and tacked it onto my credit card account that same month. I was pre qualified for an auto finance that same month Reference # XXXX. XXXX XXXX close my account in XXXX, XXXX. PAYMENT WAS DUE XXXX XXXX {$520.00}. I attempted to pay this on XX/XX/XXXX. On XX/XX/XXXX the balance decreased by {$1600.00} to {$0.00}. Remark codes Account closed by credit grantor were removed from XXXX account. Account is now in collection with a debt i do not owe.