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

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. I have sent letters every month From XX/XX/XXXX to XX/XX/XXXX trying to get this account corrected. 

XXXXXXXX XXXX  Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last 6 months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within 30 days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This collection company I C System, located at XXXX XXXX XXXX in XXXX XXXX, MN XXXX, was sent two debt validation letters on XX/XX/2019. One of the letters was priority and needed a signature. The other letter was certified with tracking. The reason why I sent a debt validation letter is because this collection company continued to report information on my credit report and I never received a letter from the company. I'm not sure where the debt originated from, but to continuously report a debt owed without proof that I am the person who isresponsible is against the law. I'm not sure who this debt was intended for, but I am not the correct person. I sent the letter as a way to get the background information for this debt and to let the company know that until they provide me with the details of this debt showing I am responsible, they need to stop reporting this false inaccurte information. On XX/XX/2019 I C system, received both letters. The letter that required a signature was received by someone named, XXXX XXXX. I also show the certified letter was delivered on XX/XX/2019 at XXXX. On XX/XX/2019 I viewed my credit report and noticed that IC systems continued to report the debt to the credit bureaus, without providing me with the proper documentation. The demand letter also advised IC systems, that they had 30 days from the date on he letter, however i allowed 30 days from the date received for their response, along with all the requested information. The letter also advised that during this period all collection activity was to cease and desist and the company ignored this right. Under the Fair Debt Collection Practices Act, I have a right to request for valdiation of a debt, that is stated I owe. This is pursuant to 15 USC 1692g Sec 809 ( b ) by the FDCPA. The letter sent also stated that if IC systems continued to report the fraudulent information and invalidated information I would pursue legal action, which I am prepared to do as IC Systems is in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Inaccurate Information and Restrict Use of Personal Data Ive requested that LexisNexis put a block on my account since XX/XX/XXXX and states that none of my personal information be sold or shared for any purposes. However, I found out on XX/XX/XXXX, that NexisLexis still continues to share inaccurate information, still backdating to 5 years. The inaccurate report has caused me to be denied and or receive fair credit analysis by a creditors. The most recent inaccurate information was obtained by XXXX XXXX, who disclosed Nexis Lexis reports that I had an accident on XX/XX/XXXX, when in fact I was a pedestrian who was hit by an uninsured motorist, also inaccurately reported by XXXX XXXX XXXX. I kindly ask that these matter be investigated and that ALL inaccuracies be corrected and removed promptly. 

Furthermore, I would like to assert my right to privacy by requesting NexisLexis stop violating my rights my personal information that they do NOT have any permission to share or own any rights to not be used, sold, or shared in any form. To my knowledge, I have not granted LexisNexis permission to collect, use, or distribute my personal information, and I ask that you ensure this restriction is upheld. 

In addition to the above, I request that a block be placed on my file to prevent further dissemination of any information without my explicit consent. Please confirm receipt of this request and provide an update on the actions being taken to address my concerns. 

NexisLexis negligence in reporting inaccurate information have caused distress, excessive insurance charges, mental anguish and violates my consumer rights.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2021 ) i notified the credit reporting agency of the issue. Under section 15 US Code 1681a ( c ) i am identified as a consumer and i have the right to privacy under as a consumer under 15 US Code 1681 ( a ) ( 4 ). My rights have been violated under 15 US Code 1681 ( b ) Permissible purposes of consumer reports which i never gave any consent to report anything on my consumer report. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove promptly. I feel like I'm being taken advantage of and being ignored of my disputes. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. My rights have been violated and I would like to have this matter corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several disputes with XXXX XXXX XXXX and they will admit to the errors and correct them and then they put the false late payments back on my credit report several months later. This has been an ongoing problem, I have 2 complaints that were filed with the CFPB to resolve this issue XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both complaints they admitted the payments were in fact not late and corrected them and now once again the same payments are again being reported as late. The payments that are being reflected as late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same months that were previously corrected.
Product: Student loan

My niece needed a student loan to complete her education at XXXX College in XXXX, New York. She asked me, her uncle, if I would agree to guaranty the loan because the lender would not provide the loan without the guaranty. She was told by the lender at the time the loan was committed that if she made regular timely payments after she graduated, the lender would release the guaranty. On XXXX XXXX, 2015, after paying her student loan payments on time for over two years, she submitted an application to American Education Services ( " AES '' ), the loan servicer, on my behalf requesting that I be released as a guarantor of her student loans. She never received a written response to her request. However, I called and learned over the telephone from AES that her request was denied because of her credit score. On XXXX XXXX, 2015, she requested that AES reconsider its decision and release me as guarantor. Her credit score is excellent and there is no reason why I should not be released. As proof of her credit worthiness, she sent a copy of her personal credit report to support her request for reconsideration. Once again, she received no reply to her request. I again called AES and was told that, while my niece is employed full time as a teacher, has made every payment on time and has a good credit score, she has an auto loan and a mortgage. AES said that the amount of debt required AES to decline the request for me to be released as guarantor. It appears that the lender 's promise to release her uncle 's guaranty if she made timely payments is illusory. They never intended to keep the promise. The fact that they never respond to any requests is indicative of their lack of commitment to perform as they promised. Also, the ever changing excuses for refusing to release the guaranty is further proof that the lender is not performing as promised. My niece asked AES if her parents could be substituted as guarantors of the loans. AES refused to consider this and said the only choice my niece has to release me as guarantor is to pay off the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : 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 an account without my written instructions. 

This account is fraudulent account and i never open an account with this company.
Product: Credit card or prepaid card

I had received at my family home, which I haven't lived there since early XXXX, a letter from Capital One. Within the letter dated XX/XX/XXXX, it stated I had a new account and I needed to speak to a team member about charges that had been made. Mind you I DID NOT open a new account with them and the two accounts that I do have DO NOT match the one in question. I spoken with Capital One on XX/XX/XXXX. They did not find any information about sending out a letter nor the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Bank account or service

After poor customer service, I closed my account with First National Bank ( XXXX XXXX XXXX, XXXX MD XXXX ) on XXXX XXXX. I have maintained a generous balance of more than {$20000.00} and have never had an overdraft charge. 

I instructed the teller to wire the entire balance ( less the wire transfer fee ) to my account with XXXX XXXX. I was informed that afternoon that the process had been completed and my account was closed. Several days later the bank contacted me and informed me that the teller had specified a wire amount that was XXXX cents too high. I confirmed that my account had been closed that I intended for the entire balance of the account to be transferred to XXXX XXXX I authorized them to correct the wire amount. 

I subsequently received a series of notices that my account ( which no longer exists ) was in overdraft status. On XXXX XXXX they assessed a charge of {$12.00} ; on XXXX XXXX they assessed an additional {$12.00} and on XXXX XXXX an additional {$12.00}. I have no business relationship with this bank ; these charges are baseless. I would appreciate your help in stopping this harassment. I have transferred all of my financial activities to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX Portfolio RC account number XXXX has violated my rights. XXXX XXXX XXXX section XXXX A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Equifax many times about an item that is listed as a " collection '' on my Equifax ( only ) report. however it is a blank name. yet they will NOT answer my letter for information ( including a name of reporting party ). and they continue to keep this inaccurate and incomplete item on my report damaging me.
Product: Credit reporting or other personal consumer reports

Westlake financial entered a 36 months arrangement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party credit bureau. Their terms and condition says they do not provide my information to third party non-affiliates. the violated their own terms and condition when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additinally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Contact Info Westlake Financial. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Product: Mortgage

My mortgage is with Wells Fargo in about XX/XX/XXXX. A fixed rate paying interest and principal. I had a problem for a shot while after XX/XX/XXXX making payments. I did a loan modification with them to get up to date. It started at {$1600.00} interest only a month and spiraled up in 3 years to now {$2600.00} interest only with no end in site. I talked to them two months ago to see if they could modify or refinance with a fixed loan that was not an interest only. They said they could not help me that my income to debt ratio was too high. In all this time I have not been late on a payment I also have good credit over XXXX. 

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

Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Mortgage

Today, XX/XX/XXXX, 2018 I called our mortgage servicer, Select Portfolio Servicing at XXXX this morning and spoke XXXX minutes to a XXXX XXXX about the XXXX XXXX XXXX XXXX since we have a XXXX loan with them. 

I asked about the {$10000.00} reduction and how we could get it. I was advised we did not qualify and asked why and could I also get it in writing and was told we could not. 

I would also like to know why we have no equity in our home as we have been making monthly payments and there is hardly anything going to principle, all is going to interest, Current Balances Principal {$190000.00} Escrow {$750.00} Late Charges {$0.00} Total Fees {$0.00} Year-To-Date Balances View Last Year 's taxes and interest paid Principal Paid {$95.00} Interest Paid {$820.00} Taxes Paid {$0.00} Hazard Insurance Paid {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I sent my Complaints # XXXX, XXXX, XXXX last XX/XX/XXXX but when I checked my Complaints, it seems that you have closed it on the same day. I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove these items not later than 4 business days. Here is the list of erroneous items found on my credit report : XXXX XXXX : {$530.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX Name XXXX XXXX XXXX XXXX ___XXXX XXXX XXXXXXXX Town XXXX State, and Zip Date XXXX XXXX XX/XX/XXXX XXXX To : _____Whom It XXXX Concern _____________ RE : Notice to Correct Credit Report Dear ___Sir/Madam_______________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Acima XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX  XXXX XXXX XXXX XXXX XXXX __________ XXXX ______XXXX XXXX XXXXXXXX Town XXXX XXXX and Zip XXXX Social Security No XXXX Date of Birth
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of XXXX I disputed inaccurate information being reported on my credit report bXXXX XXXX XXXX I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX They still can not prove the alleged payment in XXXX of XXXX I have documented proof on their letterhead stating they never received a payment in XXXX yet it shows that inaccuracy on my credit report
Product: Mortgage

Lender : J.G. Wentworth. XXXX. On the 3days before closing CD, they disclosed {$43.00} a month for PMI and that was what I was expecting at closing. The final CD had {$58.00} per month. A {$15.00} per month increase surprise. 

I called the company and asked them to fix it. They said the only way to try was to stop the closing. I literally had moving trucks at the door waiting to close. So I couldnt delay closing I asked them to compensate me for the difference. They said no. That amounts close to {$2000.00}. I dont think its right to blindside me by increasing my mi payment at closing.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested in writing that TransUnion remove XXXX XXXX from my credit report and delete any names except for XXXX XXXX. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX XXXX is not listed in the XXXX XXXX XXXX as having proper certification to collect debt in the state of Ohio. 


Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures