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

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account XXXX / XXXX XXXX XXXX Account XXXX / XXXX XXXX  Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX  Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found some billing mistakes with late payments that dont align with my payment pattern. Please make the necessary corrections and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/XXXXAlert Type Inquiry Processed Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Inquirer Name XXXX Address XXXX XXXX XXXX, XXXX, OH, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a pre approval for mortgage and when my credit report was run, it showed that I had a late payment at XXXX XXXX, even though underneath that information was the monthly payment calendar showing I made each payment. This caused me to not be able to be pre approved. I have been rebuilding my credit and in fact, have been paying XXXX XXXX early. I sent the paperwork they told me to dispute this and have heard nothing. The only issue I had with XXXX XXXX ever was a direct debit issue with my Credit Union last year that was resolved. I need them to remove that late payment blemish on my Experian credit report ASAP. I filed a claim with Experian also and have not heard back. This is criminal that a credit card company can miss report something and it affects my ability to get a mortgage and miss out on a great opportunity of a home I was interested in. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX PA XXXX XXXX XXXX XXXX last four digits  XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information listed below in subsection A ( 1-3 ) is inaccurate : Sub-section A. 1. ) ACCOUNT XXXX XXXX Opened XXXX {$770.00} 2. ) XXXX XXXX XXXX Opened XXXX {$790.00} 3. ) XXXX XXXX XXXX Last reported XX/XX/ {$2700.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

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

I've been trying to resolve and issue with Experian for 6 weeks but I have not been able to speak to a live representative. The automated phone system ( XXXX ) repeatedly directs me to visit the website ( experian.com/help ), and the website refers me back to the phone line, creating an endless loop. This has made it impossible for me to resolve critical issues with my account. 
Additionally, I am now locked out of all my Experian accounts. I reset my password as instructed, but I am still unable to log in. This has prevented me from accessing my credit report or resolving any ongoing issues. 
I have attempted the following actions : Called Experians customer support line multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Followed the prompts to connect to a live representative but was repeatedly disconnected or redirected. 
Reset my password on XX/XX/XXXX, but the issue persists. 
Attempted to use the Experian website to find assistance, but no resolution was available. 
This situation is causing significant frustration and potentially impacting my ability to monitor and manage my credit.
Product: Debt collection

I don't have any information because i don't know who XXXX is. Never recieved anything from them. This charge is completely false.
Product: Debt collection

Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Portfolio Recovery Associates and it is showing on my credit report without my consent. I have no contract with Portfolio Recovery Associates and have given no consent for them to use my name, likeness, or credit data. 

Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX, XXXX, and XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow.

Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C.

1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have a solar panel loan with the lender Sunlight Financial aquired by XXXX XXXX for a solar panels on my home. I was mislead by the salesmen and Sunlight Financial to believe I would qualify for the 30 % tax credit for solar energy when I file my taxes. I was told I would qualify for this tax credit and could use it as a voluntary payment towards my loan but it would need to be made by the XXXX loan payment. My issue is sunlight financial released the funds to XXXX XXXX before the project was completely installed. This is causing me to make payments on solar panels that are not functioning. This is also making it impossible for me to claim on my taxes before the XXXX monthly payment because I do not have the permission to operate which is necessary to claim as a tax credit. They released the funds prematurely and now XXXX XXXX has gone out of business as of XXXX XXXX XXXX. I have been getting billed from sunlight financial since XX/XX/2023. It states in my contract that payments will begin after Installation, and my panels were not completely installed until XX/XX/2023. The finance company is refusing to extend my payments to give me the chance to file for the tax credit. I believe they did this on purpose alongside with XXXX XXXX. Both of these companies need to be investigated.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against MoneyLion INC for violations of the following regulations : 16 CFR 313.7 ( f ) : Denying my right as a consumer to opt-out of their reporting of my Personally Identifiable Financial Information ( PIFI ).

16 CFR 313.3 ( o ) ( 2 ) : Improperly reporting my PIFI to nonaffiliated third parties, which has resulted in significant financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 I obtained a credit card through Wells Fargo. I was arrested later that year and was unable to pay the card. My family and I promptly told the bank about the arrest and that there would be no payments made due to this development. The bank did not work with my power of attorney I had done and closed the credit card off as bad debt. Now whenever I apply for a small loan, I am denied due to " serious delinquency '', which I believe is related to the bad debt charge off by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/ XXXX I contacted experian credit services about correcting inaccurate information on my credit report. I also asked to cancel the paid subscription I was using with them because I personally felt they were failing me as a consumer. I also mentioned that I was shopping for a home loan. Which, I regret doing! Today, XX/XX/XXXX XXXX I checked my fico scoring XXXX, & XXXX and noticed experian dropped my credit score by XXXX points! I called them today to ask why did they do that? I haven't picked up any new credit, my bills are paid on time, and they still haven't corrected my credit report! I feel this is discrimination because i'm XXXX and I no longer felt obligated to pay into a useless subscription with their credit bureau! Today I spoke with three of their employees and none of them : XXXX, XXXX in disputes, or XXXX could tell me why!
Product: Credit reporting, credit repair services, or other personal consumer reports

. 
In accordance with the fair credit reporting act XXXX  accounting # XXXX, has violated my right. 

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

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

15USC 166B : 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: Credit card

I purchased a piece of framed art through an online website XXXX  on XX/XX/XXXX and it was supposed to be delivered between XXXX with my Chase/Amazon Visa Card . On XX/XX/XXXX I reached out to XXXX to request tracking information because it had not yet been delivered. They responded with tracking information that indicated it had been delivered on XX/XX/XXXX and was " left at Dock ''. I reached out to the shipper and they indicated that the package was not deilvered to the XXXX XXXX address provided to the seller but it was delivered to XXXX XXXX XXXX XXXX. There is also no dock at this address and no signature or name of who it was delivered to was provided. The XXXX indicated I should reach out to the seller to intiate an investigation. Also on XX/XX/XXXX I sent an email to the seller requesting they start an investigation as well as ship a replacement as soon as possible to an alternate address. On XX/XX/XXXX at noon I had recieved no response and sent a followup email to the seller to provide an update by midnight or I would proceed with disputing the charge. ON XX/XX/XXXX I recieved a response from the seller indicating that they were working with XXXX to have the package delivered. I had already proceeded with disputing the charge online. On XX/XX/XXXX I had not recieved any updates or futher communication and responded to the seller that I had already reordered the item from a different source and recieved it, and that I had disputed the charge, and I requested a full refund. On XXXX upon reviewing my credit card account online I notice that my card was recharged for this purchase on XX/XX/XXXX and back dated to the original purchase date. I called Chase to get an update on the dispute and was told that the seller provided documentation of delivery and that my dispute was denied by XXXX and there was nothing they could do. They also indicated they contacted me by Mail and by Phone about the dispute and did not recieve a response. I noticed a letter today on my online account indicating they found the charge valid because of the original proof of delivery from XXXX. Which when investigated as indicated above does not indicate the delivery address and indicates it was left at a Dock which does not existing either at the shipping address or the address that XXXX confirmed thier records show they tried to deliver it too. The tracking information for the package as of today indicates there is a claim in progress and to please contact the sender for more information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Final Demand for Deletion of Fraudulent Accounts Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally demand the deletion of the following accounts from my credit file due to identity theft and your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), regarding my right to receive a description of the investigation and the method of verification : TransUnion : XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Equifax : XXXX Account Number : XXXX Experian : XXXX Account Number : XXXX I previously submitted disputes regarding these fraudulent accounts and provided you with a valid police report as evidence of identity theft. Under 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of this information upon receipt of such documentation. Your failure to do so is a direct violation of my rights under the FCRA.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with a description of the procedure used to determine the accuracy of the disputed information, including the date, time, and contact details of the entity you allegedly verified this information with. To date, you have failed to provide this legally required information, rendering your verification process invalid. 

This letter serves as my final notice to demand that you immediately delete the above-referenced accounts from my credit reports. If you fail to comply within five ( 5 ) days of receipt of this letter, I will be left with no choice but to pursue legal action against you for willful noncompliance with the FCRA ( 15 U.S.C. 1681n ) and negligent noncompliance ( 15 U.S.C. 1681o ). I will seek statutory damages, actual damages, punitive damages, and attorneys fees. 

This is your final opportunity to correct this matter before I escalate my complaint and initiate legal proceedings. 

Please provide written confirmation of the deletion of these accounts upon completion of my request. Failure to respond accordingly will be taken as further evidence of your noncompliance. 

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

This account is not mine. In 2014 XXXX XXXX stole my identity. I dont know how many times I have let all 3 credit report bureaus know this information. They still let creditors put the identity theft on my credit report. They dont check nothing before putting it on my reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX credit card. Equifax needs to take off XXXX XXXX XXXX, XXXX has taken off the the bad. But still no Good standing on my report. XXXX still has all the identity theft on my report. Name wrong and still dose not have any of my good standing. XXXX  bank, XXXX, XXXX, XXXX XXXX, these accounts need to added to Equifax, XXXX XXXX, XXXX. Please add the good standing on my reports if not already done so.
Product: Mortgage

My mortgage servicing company has changed. XXXX XXXX XXXX is my original loan servicing company. My account has been transferred to XXXX XXXX XXXX effective XX/XX/2019. XXXX XXXX XXXX ( XXXX ) sent me a letter dated XX/XX/2019. The letter explained my loan transfer and supplied a new account number. The new account number does not work. I have called XXXX XXXX XXXX XXXX XXXX XXXX and waited 1 hour on hold with no answer. I visited XXXX website and the account number supplied by XXXX XXXX XXXX does not work. I called XXXX   and they advised that I reach out to XXXX for my concerns. I have no way to get in contact with XXXX. I have searched online for XXXX XXXX XXXX   reviews and everything I found is negative. I am very worried because all reviews included issues with ; finding an account number after a service transfer, improper late payments per credit bureaus, improper payment of taxes per escrow, improper application of escrow payments, and improper handling of account payments when applied to principle vs upcoming payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT the following accounts have violated my rights : XXXX XXXX  - Account number XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX -Account number XXXX XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX- Account number XXXX US BKPT CT NY XXXX XXXX Reference number XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 A dispute was filed letting the credit bureaus know that there was an accurate information on my credit report with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries reflecting on my credit report that should not be there. This issue has not been resolved even after complaining through the Equifax portal, certified letters sent to Equifax, CFBP and BBB. I was told to submit copies of my complaint along with the inquiries that I was disputing to Equifax. Even after doing so, I was told that Equifax does n't dispute inquiries and that I needed to contact the creditors individually to ask them to removed the unauthorized inquires. I spoke with each creditor and was told that because I do n't have an open account with them they are unable to provide me any documentation to have the inquiries removed because they have no record of me in their system. I am always given the run around and Equifax has been unwilling to help me get this matter solved. They even put a fraud alert on my credit report ( which I recently requested to be removed ), but did n't resolve my issue at all from previous inquiries.
Product: Debt collection

THESE FRAUDULENT ACCOUNTS ARE NOT MINE, HELP ME TAKE THESE OFF FROM MY REPORT.