23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Yamaha credit/Capital one is reporting on my credit report in XXXX categories. Meaning it shows as a auto loan, however because it 's a revolving account it is effecting my my usage under credit card. This account to can be used only for auto purchases and not every day purchase like gas and grocery etc. I should not be penalized in the credit card when it 's an actual auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, XXXX XXXX XXXX placed a fraudulent account on my credit reports with XXXX, Transunion and XXXX. I immediately filed disputes with each respective agency that the account is fraud. XXXX removed the account within two days. XXXX and Transunion have yet to respond or remove the account from my credit reports. This account has in the past been disputed and proven to be fraud, and XXXX, Transunion and XXXX are in violation of the FDCPA by allowing it to be repeatedly placed on my credit report by various different collection agencies who are selling it to one another and by not immediately removing it from my reports. Likewise, they are in violation of the FDCPA by not adjusting my scores accordingly once the fraudulent account is removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a hardship program with XXXX XXXX  for XXXX XXXX XXXX XXXX credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and XXXX XXXX XXXX XXXX has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. XXXX will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! XXXX XXXX XXXX or Equifax refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. XXXX does not answer any calls for me to contact them.
Product: Credit reporting or other personal consumer reports

Hi, I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information on all credit reporting systems including but not limited to XXXX, XXXX, and XXXX. I have recently discovered thatmy sensitive data has been shared ormade accessible without my explicit consent, which I believe constitutes a serious violation of my privacy and legal rights. 
As you are likely aware, under the FCRA and other relevant data protection laws, it is illegal to disclose or share personal information without the individuals consent. The unauthorized exposure of my data is a direct infringement on my privacy, and I request that my personal information be immediately removed from all records. I insist that prompt action to remove my personal information from all systems, provide me with written confirmation that allmy data has been removed from all data bases and reports and confirmation that no further unauthorized disclosures or usage of my information will occur. 
Please be aware that if this issue is not resolved to satisfaction on a timely manner, I will have no choice but to pursue legal action including filing complaints with other regulatory bodies and taking this matter up in court. I trust this issue with be treated with the seriousness it deserves and immediate corrective action will be taken. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX request 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$140.00XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to ha completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, XXXX, XXXX INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PR COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and _explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 1116 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these aforementioned derogatory items be investigated and permanently removed from my report. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. Sincerely, Your Full Name " Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX XXXX I been resiving, Notification of my credit report About i quieries i dont recognized those inquieres, i dont apply for those account, or business, i contact both parties, they dont help Im trying to fix my credit and with this issued is goin to be a disaster, if this keep goin on, I only have XXXX credit card, no loans or nothing else i dont need no more credit, I have XXXX XXXX, XXXX, XXXX.. 
No need more.. please Help me.. 
I think im victim of identity theft.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter in the mail from my Barclay AA Aviator card that said its required to collect more information about my identity. The letter asked me to send a utility bill statement, a copy of my social security card front and bank and a copy of a government id, also front and back. If I were not to comply with this request they will place my account on hold. 

The letter instructs me to send this information via mail or fax. I reached out to Barclays to better understand this request and they stated that I need to comply due to the Patriot act that requires I confirm my identity. I explained that I have major concerns with sending my personal information via mail of fax as this poses a risk that my information can be intercepted and open me up for identity theft. 

In my opinion the proper way to request this information is for Barclays to provide me with a secure link either via their app, or web portal that allows for my information to be sent encrypted and ensures all consumers information is protected. 

Customer Service stated that there is nothing they can do that I either comply or loss access to my card. 

I have had this card for almost a year and have spent close to $ XXXX and currently do not have a balance. Its unreasonable in 2023 to ask a consumer to send their personal information with a secure mechanism in place.
Product: Credit reporting or other personal consumer reports

I sent multiple letters to EQUIFAX, XXXX and XXXX. Regarding the inaccuracies on my credit report. The last letter that was sent was XX/XX/year> with the tracking number Equifax tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never received any response from any of these bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting late on XXXX and that is 100 % incorrect this account is always paid on time and was never lateXXXX XXXX XXXX XXXX XXXX is reporting negative on all bureaus, that is also incorrect this account was never late I am always paying on time. XXXX XXXX XXXX reporting as negative on all 3 bureaus, this account is PAID in full and I was never late on this. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are my multiple requests that I am submitting this CFPB Complaint to strongly dispute the fraudulent items on my credit file, and I demand their immediate and unequivocal removal from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate, and their presence is causing significant harm to my creditworthiness. Let me be perfectly clear : I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me extreme frustration and financial hardship. I need the following items be removed on my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I received a letter from Specialized Loan Servicing that they have cancelled my home insurance policy because I have no proof to show them evidence that I updated my insurance. I have called Specialized Loan Servicing since the XXXX of XX/XX/2022 and talked to their agent regarding that I have an updated proof of my home insurance that I got from XXXX Umbrella insurance that has been effective since the XXXX to XXXX. I have been told by different agents that they have received my updated policy and different agents told me they havent on their data base system. I have been transferred several times by an escrow department and waited for over an hour for an agent to reach me back. An agent told to email my updated policy insurance to XXXX or go to : XXXX. I have been sending them documents every week and keep checking on the status if SLS department received my updated policy. Unfortunately, no response. I have been ignored for weeks. I have been checking my emails and no reply back from them for weeks. I decided to write the XXXX XXXX XXXX XXXX, The Federal Trade Commission & the Consumer Financial Protection Bureau for not being lacked not replying back to me and being transferred to different departments that they can not answer my question. Different agents said they got my updated insurance policy and some agents said they havent. I dont know who is telling the truth to me, but it frustrates me that I got the mail today that they cancelled my policy and noted : Return Insurance Refund I have taken a photo of this paperwork that I received from them in mail. I am a U.S. Veteran, a business owner, a XXXXXXXX XXXX XXXX from the XXXX XXXX XXXX XXXX, and a XXXX XXXX Degree holder. I Have never been humiliated by this Specialized Loan Servicing for not helping me out when I emailed them several times on my XXXX Umbrella Home Insurance. Please investigate on the agents who took my call and please investigate why they cancelled my home insurance policy when its already been updated through my military insurance. Thank you.
Product: Credit reporting or other personal consumer reports

I am requesting that the former addresses listed be deleted from my consumer report because it is causing me financial problems. The California XXXX XXXX XXXX sent a demand for an unpaid traffic ticket to a former address obtained from a CRA. When I did not pay it ( because I did not receive it at my current address ). They received a judgment against me and took an excessive payment directly from my bank account without my knowledge. 
ALso please mail me my complete consumer FILE
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 via XXXX XXXX XXXX via XXXX XXXX XXXX CONTINENTAL FINANCE CO
Product: Credit card or prepaid card

I have Penfed Pathfinder Rewards credit card. One of this card 's benefits is {$100.00} incidental airline fee credit per calendar year. 
In XXXX I had 2 transactions {$50.00} each from XXXX XXXX for the baggage fee on XX/XX/XXXX and XX/XX/XXXX, but only one of them was credited back ( {$50.00} ). 
I contacted the credit card several times about this and they created a case to manually issue {$50.00} credit for the second transaction, but that never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge the accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
( XXXX  ) # XXXX ( XXXX  ) # XXXX ( XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have enclosed some information from the courts.The District Court of Maryland dismissed the account.So why are they still trying to collect.Why are they still reporting this to my credit report.This is a clear violation of my federal consumer law rights.Its a violation of constitutional rights and the FCRA/FDPA I will be contacting the Attorney General for the State of MD I may also sue XXXX a violation of the FCRA and FDPA
Product: Credit reporting, credit repair services, or other personal consumer reports

After a recent review of my credit reports, Equifax, still has an invalid account on my credit report, XXXX. The invalid account was removed from XXXX   and XXXX. I filed the original complaint XXXX against XXXX on XX/XX/2018. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In accordance with the Fair Credit Reporting act XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion back in XXXX, 2017 asking them to update my personal information because I had moved, along with sending me a current credit report.
They finally sent the credit report in XXXX 2017 after using your online service to complain and report this issue. They have fixed the majority of the errors on the credit report, but for the past two months and the past two credit reports I have received from Transunion, they still refuse to DELETE two addresses that DO NOT belong to me. I also asked they use the most recent previous address, and the most recent previous employer to be listed in their file for security purposes. To date, none of this has been done! I really do n't understand why they refuse to delete inaccurate addresses, along with why this is taking so long to do when they are required to do this within 30 days.
Product: Credit reporting or other personal consumer reports

The Department of Education has removed the fraudulent account off of my other credit bureaus besides Equifax. I have attached a copy of the FTC theft report. They clearly have no legal right to report this account as it says they sold it top another lender ( who already removed it from my credit ) and I have assisted law enforcement in finding who stole my identity. I need these two student loan accounts removed I was in the federal prison facility during the times of these accounts open. THERE IS NO WAY THEY BELONG TO ME. 
These adverse accounts are keeping me homeless as I CAN NOT GET FINANCE FOR A HOME.
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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXXXXXX 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 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

In XXXX of 2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from XXXX XXXX would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from XXXX XXXX is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 Credit Plus - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX  XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 2017