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

This is a follow-up complaint regarding my prior complaint that disputed these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block the listed items for they are erroneous and must be dealt with
Product: Credit card

A fraudulent charge occurred on my corporate credit card with Citibank for {$670.00} from XXXX, after my card was stolen on XX/XX/year>. After speaking to Citibank, they mentioned that they would credit this back to my card within 2. Billing statements. Its been over 2 years and they have yet to refund this to my billing statement.
Product: Credit reporting or other personal consumer reports

Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they XXXX be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.
Product: Mortgage

XXXX says issue is closed. it is not closed. I have not got my XXXX back yet. XXXX XXXX XXXX XXXX XXXX  who cashed the stolen forged check. it's known this is a fraud case on different levels of fraud yet nobody is paying me money. they said they have uo to 180 days. well they investigated this & it is fraud so why can't they give me my money so I'm not homeless with XXXX kids when rightfully the XXXX procedures is reason my identity & check got stolen in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a credit card at XXXX and was turned down due to a bank closing my account. I called the bank in question which is XXXX XXXX but they told me that they did not report this to the credit bureau or have a record of this. I was referred to speak to the credit agency TransUnion. I spoke to them and they do not have a record of this. So there is no way to dispute something that supposedly doesnt exist.
Product: Bank account or service

I was at a Suntrust Bank location today and was ( I believe ) intentionally short-changed on a deposit. Fortunately, I counted my cash before I left the property, immediately went back into the branch and the issue was corrected by the same teller who did the original transaction. I am very concerned that this appeared to be a conscious attempt to defraud me. I tried contacting Suntrust Corporate to speak with their internal audit staff but their customer service was not able to help me. They did not even seem to know whether or not Suntrust had an internal audit staff. Suntrust website is equally unhelpful. The links to the Fraud and Security section are all addressed at external sources of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I was checking my credit report and I noticed XXXX Account XXXX XXXX. This Account does not belong to me so please delete it.
Product: Debt collection

I have contacted XXXX regarding a loan that I had with Springleaf financial as of today I have disputed it with all the credit agency and them numerous times that issue that I have is that in XXXX 2016 they said that I made a XXXX dollar payment on my account which I have not paid a dollar on the account the account is in accurate the amount owed is in accurate the timeframe is in accurate and the whole account is just wrong they refused to remove it they are very very rude I 've asked them to validate the debt and they are not doing so they just keep updating the information I do not owe the {$740.00} the account balance from the last record that I had was XXXX dollars they will not tell me where they arrived at the {$740.00} they will not provide me any documentation showing any information about the debt all they give is the date and the amount that 's it
Product: Credit reporting or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, i just checked my credit report and i was shocked from the fact that i have a collection from XXXX XXXX XXXX on my credit report in amount of XXXX $ original creditor XXXX ive never even had XXXX in my life and i do not have a contract with XXXX XXXX XXXX, i need to get this collection removed asap because im im the process of buying a house for my family now and this collection is really hurting me. Thank you in advance. 

Account number XXXX Date opened XX/XX/year> XXXX XXXX $
Product: Mortgage

On XX/XX/22 I was denied the right to continue in the loan process for a mortgage because the title to my home shows I am the rightful owner. Because of creative and fraudulent activity my home was stolen from me. Previously submitted complaints. County records state US and received XXXX for my home. XXXX XXXX I had a principal balance of XXXX. Almost 10 years later almost XXXX tacked on and principal not reduced despite making payments and write offs from Litton Loan and Ocwen. I want the release of title and satisfaction of lien recorded with the county.
Product: Credit reporting or other personal consumer reports

Credit owed to Discover Bank has been charged off and reported as income via 1099C and should be removed from credit report.
Product: Debt collection

I have paid this account in full, and have made multiple attempts to get a letter stating that I no longer have a balance on the account. They continuously make requests to send the letter, however I have not receive it. My lender also attempted to get a letter, because I need this letter in order to get a mortgage loan approved. I have exhausted all of my resources and they are not helping. I was originally told that I would receive a letter stating that I had paid the account in full, no later than 20 days. it is now over that time period and I have not received it. They are not sending the letter. I have asked to have it sent via e-mail as well as fax and neither has been sent.
Product: Credit reporting or other personal consumer reports

Incorrect Information XXXX XXXX Account # : XXXX Account Type : Revolving Background of the Issue : I submitted a dispute to Transunion regarding inaccurate information on my credit report. Under Section 1681 ( c ) of the FCRA, credit bureaus are required to maintain accurate and complete information. Additionally, Section 1681 ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Despite these legal obligations, Transunion has failed to correct the inaccuracies on my report.

Specific Concerns : Incorrect Information : My credit report contains inaccurate information that is negatively impacting my credit score and financial opportunities.

Discrepancies Between Credit Bureaus : There are inconsistencies in the information reported by the three major credit bureaus ( XXXX, XXXX, and TransUnion ). These discrepancies further highlight the lack of accuracy in my credit reports. 

Violation of FCRA XXXX : XXXX has exceeded the XXXX timeframe mandated by the FCRA to investigate and resolve my dispute. 

Request for Action : I am requesting that the CFPB take the following actions : Investigate Transunion 's failure to comply with the FCRAs accuracy and dispute resolution requirements. 

Ensure that Transunion corrects the inaccuracies on my credit report and removes any information that can not be verified as accurate. 

Require Transunion to provide a detailed explanation of the steps taken to resolve this issue and ensure compliance with the FCRA. 

Enclosed Documentation : To assist with your investigation, I am including updated information from all three credit bureaus ( XXXX, XXXX, and TransUnion ) that highlights the discrepancies and inaccuracies in my credit reports. 

I trust that the CFPB will take appropriate action to ensure that my rights under the FCRA are upheld and that XXXX is held accountable for its failure to comply with federal law.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit report, I have found this account reporting from Regional Finance, to be causing significant harm to my creditworthiness, as it is inaccurately reported and may not belong to me. as this account is having a severe negative impact on my financial stability, including recent denials for credit and housing, I am formally requesting that Regional Finance provide proof of ownership and show Regional Finance is the current owner of this debt if you can not provide this proof within 30 days I request that you immediately delete this account from all credit reporting agencies under the fair reporting Act FCRA, 15 USC 1681. I am entitled to accurate and verifiable information on my credit report, and any continued reporting of this erroneous account will be a direct violation of my rights under the law. I would like to bring to your attention that your failure to respond adequately and provide the requested evidence of ownership constitutes a violation of my rights under the Fair Debt Collection Practices Act FDCPA, 15 USC 1692g. This section mandates that you must validate the debt upon request and provide proof that you have the right to collect it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 

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

Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX , Account name : XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and disappointment regarding the several unsuccessful attempts to correct late open accounts and remove charge-off accounts from my credit file. Despite my persistent efforts to rectify these inaccuracies, they continue to adversely affect my credit report, impeding my ability to secure credit and financial opportunities. 

I have diligently followed the established dispute resolution process by submitting dispute letters, providing supporting documentation, and communicating with your representatives. Unfortunately, despite these efforts, the inaccuracies persist, significantly impacting my creditworthiness and causing ongoing financial challenges. 

I request an immediate and thorough investigation into these matters to correct the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the late open accounts and remove the charge-off accounts. 

Failure to resolve these issues promptly may compel me to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to correct these late open accounts and remove the charge off accounts in my credit file : XXXX XXXX XXXX Balance : {$1300.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX  XXXX Balance : {$38000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX Balance : {$28000.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX XXXX Balance : {$2600.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX Balance : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information and refusing to follow protocol for furnishing information to my consumer report, without consent and improper verification whihc ahs resulted in damage and stress to me. please see attached. 

i have also sent in a paper copy of this information to the address on experian website along with identification ( CM : XXXXXXXX XXXX XXXX XXXX XXXX )
Product: Student loan

Hi the Dept of Education / Nelnet wants payments for students loans I have no knowledge of signing for. I need copy of the master Promissory note.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information that appears on my Experian credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. Additionally, I would like to reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes. My dispute demands immediate investigation and deletion of all erroneous information outlined below. 
Also known as XXXX, XXXX Addresses XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employers XXXX XXXX XXXX XXXX Personal Statements XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never authorized or opened the accounts listed above, nor did I approve the inquiries. Under 15 U.S.C. 1681o, I have the right to seek damages for negligent noncompliance with the FCRA. I demand that Experian conduct a thorough investigation, remove these fraudulent accounts and inquiries from my credit file, and provide me with an updated credit report reflecting these corrections.

Failure to comply with this request will result in further legal action, including filing complaints with the Federal Trade Commission ( FTC ) and the CFPB, and pursuing my rights under the FCRA, including seeking damages as provided under 15 U.S.C. 1681o.

Please respond to this dispute in writing within 30 days of receipt, as required by law. I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPTEDXXXX XXXX Balance XXXX {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit, it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple times from the same company just a few months apart. I 'm unaware of these injuries. On   XXXX   XXXX   XXXX   I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to Equifax, which was delivered at   XXXX   pm on   XXXX   XXXX   XXXX     in  XXXX , GA  XXXX  asking them to investigate. On   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX    , Equifax sent me  XXXX  letters back stating " that the injuries are accurate and that I needed to contact the creditors. ' ' I contact the creditors and was told to put in a dispute with the credit bureaus. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that I received a response 5 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't true. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and a living human being. I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 and they have violated my rights numerous times. I demand the hard inquiries that have been put on my equifax be removed. According to 15 USC 1861, I have the right to privacy and I did not give Equifax written permission to furnish my accounts.
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. 
XXXXXXXX XXXX XXXXXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) DPT EDXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) US DEPT ED Account # : XXXX ( shows on credit report multiple times with inaccurate information ) XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX DPT EDXXXX Account # : 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 reporting or other personal consumer reports

Just recently I have reviewed my credit report and begin to notice these accounts were not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, on this account that has not been late on payments. I've attached of my credit report on the following dates ( XXXX and XX/XX/year> ). I am requesting you investigate this account and update this account and update these payments to paid on time immediately. 

Thank you for your prompt action.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX to correct inaccurate personal information on my credit report. There is an address listed XXXX XXXX XXXX, XXXX XXXX CA XXXX. I asked for this to be removed, but the rep ( XXXX XXXX stated that it can not be removed, because the address is listed by a creditor. When I asked the name of the creditor, he stated American Express. I haven't conducted, nor ever received a statement, or any other business with American Express from that address. Also, American Express has the credit account as a charge-off, but they never sent me a XXXX. American Express is also selling my information to debt collectors without consent ( please see attached letter ). I need American Express to have that inaccurate information deleted off my credit report immediately. American Express is utilizing unfair credit practices.
Product: Credit reporting or other personal consumer reports

There was a data breach with Equifax where my social security number, birth date, addresses, and driver 's license number was exposed. 

I contacted Equifax on XX/XX/year> by the websiteXXXX XXXX XXXXequifaxXXXX  and entered my information. It was confirmed that I was indeed affected by the breach. Unfortunately I am too late to file a claim. The deadline was XX/XX/year>.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I spoke to a representative of XXXX XXXX XXXX XXXX. On this call, I requested credit validation. I also stated to the representative that this also reporting inaccurate since the account charged off in XX/XX/XXXX and is also being reported as a collection through XXXX  XXXX  XXXX. It has been over XXXX  days and I have not recieved and sort of credit validation documents nor has any inaccurate information been updated. This account is unverifiable and is reporting inaccurately on my credit report. Therefore, should be deleted/removed from my credit report.