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

Reporting of credit must be a neutral process, the fact that erroneous information that reflects FICO which financial institutions rely on. There are no delinquent accounts or late payments associated with me. My credit score dropped XXXX points overnight ( XXXX XXXX ) and XXXX XXXX lowered my score by XXXX points based on false data submitted by credit agencies. Based on my XXXX XXXX I believe this is a form of XXXX XXXX and XXXX XXXX XXXX  related to incorrect data. The good to excellent credit score is a gatekeeper to wealth, careers and housing. As a XXXX I have work very hard with integrity to ensure I maintain a minimum score of XXXX. To have it destroyed over false information is suppressive.
Product: Debt collection

I played casino games and XXXX XXXXXXXX. I had to frezze my account. I was being hacked. I received letters from my bank about payments that were frozen. It did not say who they were. I finally figured out who it was Global Payment or XXXX  XXXX. I called and asked if I had any money that did not go trough. They said they sent out several letters. Did not receive till XX/XX/XXXX I had already called and had to make a payment. When I opened the letters they charged a XXXX $ fee for each tranaction. Why did they not call or email. These fees are outragus.
Product: Credit reporting or other personal consumer reports

recently got a copy of my credit report and noticed some inaccuracies on my credit report this account is hurting my ability to obtain credit is my understanding that Equifax will investigate this account for me to ensure 100 % accuracy here is the account that I'm asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 USC 1681. 
Acoounts Name & Numbers : ( Some Accounts I Only Have Partial Account Numbers, But I Will Provide My SSN Later to help track accounts ) XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX us dept. of education # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All Have Violated My Rights.

15 U.S.C 1681B No Permissible Purpose 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. 16815-2 ( 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: Debt collection

Dynamic Recovery Solutions is contacting myself and my husband daily, with very threaning attitudes. I have received a letter in the mail also. This is not my debt, I do not owe this money and they will not leave us alone.
Product: Mortgage

On XX/XX/22 I Called to get information from my existing mortgage lender ( New Rez ) about home equity loans, asked for information several times from XXXX XXXX mortgage consultant # XXXX but instead he ran my credit and started a new mortgage application which I did not authorize or consent to. I asked him for the info and he became agitated and said why I asked him about the home equity loan if I wasnt going to apply. I called New Rez to put in a formal complaint and no one has gotten back to me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern,.

I completely disagree with the outcome of your investigation. Even after your examination, my credit report still shows the inaccurate things indicated below. For good cause, I would like these items to be looked into again right now. My credit score is severely harmed by these errors.

Additionally, in compliance with Public Law 91-506, Title VI, Section 611, Subsections A-D, and The Fair Credit Reporting Act, I require you to furnish tangible evidence of the information 's verification rather than a computer-generated affirmation. 
I appreciate your time and assistance with this.
Product: Credit card or prepaid card

I was checking my credit score on XXXX XXXX and noticed they reduced my credit limit from XXXX to like XXXX. I have been on my account monthly more than I am supposed to pay.
Product: Checking or savings account

I used a XXXX XXXX ATM at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, serviced by XXXX ) using my US Bank debit card, to withdraw {$900.00} on XX/XX/. The ATM malfunctioned, I did not receive my cash, and then I received a receipt showing money was withdrawn from my account, money that I never received. I went to US Bank first thing the next morning to lodge a complaint. Now almost a week later and heading into the holiday I have not received my money back, nor any word from US Bank regarding the status of my complaint.
Product: Debt collection

In XXXX, Credit Acceptance financed my vehicle at the time, and I was behind two payments, so they took the car and told me that I had to pay the two payments to get it back. I went to XXXX XXXX, where they took the car and made the payments, but because I didn't have plates on the car, XXXX couldn't tow the vehicle back to my house. I then left XXXX XXXX to go back home ( to the XXXX ) to obtain a tow truck. Once I did that, I returned to XXXX to get my car, which was gone. I contacted Credit Acceptance immediately to find out where my car was, but they had no answers. I kept calling them, and they just kept telling me that if I wanted my car back, I had to pay the balance of the vehicle in full, and they refused to acknowledge that I had just sent them two payments that they asked for. After this, I haven't heard from them for quite some time. Then, on XX/XX/year>, my former employer notified me that they got a letter for me from the XXXX XXXX in XXXXXXXX XXXX and another from the law firm of XXXX XXXX XXXX XXXX XXXX, XXXX, stating that they were going to garnish my wages for a debt owed to Credit Acceptance of {$4300.00}. They never sent me any correspondence to try to settle the debt for years, and now, they are here. I don't appreciate the tactics they're trying to use to pay this debt. Are you just going to take my paycheck without telling me? I need help with this situation. I see that there was a lawsuit against CA for how they operate. They need to be stopped because this is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Disputed with XXXX and BOA -no action taken BANK OF AMERICA XXXX {$0.00} showing LATE payment XX/XX/XXXX this payment was not late Please remove and update my file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX Bank 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 or other personal consumer reports

I am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : XXXX Fraudulent accounts : Ability recovery services opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I want to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. The following company, along with the credit reporting agencies, is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non-repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 18 USC 894 ( a ) ( 2 ), 15 USC 1681a, 18 USC 1028A, The Gramm-Leach-Bliley Act, and RICO. This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. Per 15 USC 1681c-2XXXX 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 XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services XXXX XXXX XXXX XXXX, Ga Dear, Equifax Information Services Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Product: Checking or savings account

One savings and one checking account opened without my consent or knowledge on XX/XX/year> at XXXX according to an email I received. I checked my Wells Fargo app to determine if the email was spam or not, and two accounts with a XXXX balance appeared on my app. I then called Wells Fargo to report fraud and have the accounts closed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request corrections for the following inaccurate information on my TransUnion credit report, as of XX/XX/XXXX : The account listed as XXXX, XXXX. ( Account Number : XXXX, Open Date : XX/XX/XXXX, Credit limit : {$900.00} ) is not mine. Kindly remove it from my credit report. 


XXXX XXXX XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Reported Balance : {$2300.00} ) is reported incorrectly. I dispute the reported balance of {$2300.00}, as I remember it to be lower. Additionally, the Past Due amount should not be reported, as this account is closed and charged off. Please mark this account as disputed to prevent its impact on my credit score. 


XXXX XXXX XXXX XXXX XXXX  account ( Date Opened : XX/XX/XXXX, Reported Balance : {$680.00} ) contains imprecise information. The reported balance of {$680.00} is higher than I recall. The Past Due section should be cleared, as this account is closed and charged off. I intend to discuss the discrepancies with the creditor. Until the necessary corrections are made, please mark this account as disputed. 


I request verification of the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Reported Balance : {$6300.00} ) due to inaccuracies in your reporting. I dispute the reported balance of {$6300.00} and believe it to be lower. Additionally, the Past Due amount should not be displayed, as this account is closed and charged off. Please mark this account as disputed while I work to resolve the dispute with the creditor. I also request verification of the Date Opened, Date of Status, and First Reported.
Product: Credit reporting or other personal consumer reports

I called transunion and spoke with a representative about the inquiries on my report and informed them that I did not authorize the inquiries and they should immediately be removed as they are affecting my credit score harming my chances of obtaining credit. I was then informed that they cant take the inaccurate information off of my report until I send in a letter. I informed them of present FCRA rules but the representative insisted I send a letter in.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and I noticed I have fraudulent activity I will like to have a fair resolution
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 federal protected rights to privacy and confidentiality under USC1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 u.s.C section 604 A section 2 : states consumer reporting agency can not furnish a account without my written instructions. Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The date you contacted the individual funishers of information.The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

Personal Information Address, Personal Information Also Known As, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account report late payment : Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$560.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$47.00} Credit limit {$1800.00} Highest balance {$560.00} Terms - Payment history XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days Payment history guide 60 days past due as of XX/XX/XXXXXXXX XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX By XX/XX/XXXX, this account is scheduled to go to a positive status. 
Balance history XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional infoBetween XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1800.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTN : Credit Reporting Department Credit Acceptance Corporation account : XXXXXXXX XXXX XXXX furnished a transaction as Late to { { XXXX, XXXX XXXX XXXX } pick which CRA the late payment

is on } }. I would like to bring something to your attention. 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report. Can you state what law says you have toreport a Transaction as late payment? The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has ad reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Consumer : Can you provide me with the tracking number of the periodic statement that was mailed or Delivered 21 days before my payment due date along with all the information required by section 1637 ( b ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report Via XXXX, and I noticed some late payments posted on my credit report, I never made late payments nor I was provided proof of such so my account needs to be updated to paid never late. 

Account Name : XXXX XXXX Account Numbers:XXXX 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

THD/CBNA Home Depot ACCOUNT XXXX FROM CREDIT REPORT XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX On or about XX/XX/XXXX I was going through my Credit card accounts and noticed that Home Depot said I was late with my payments. At the time there was a balance around {$10.00} or so. I thought I had paid the entire card off but to my mistake I did not. I asked them why they did not contact me and they said they did. I asked them how they contacted me and they said it was an automated system. I asked them after the automated system came back and said there was no contact what did you do? The credit card representative said that two more Robo calls when out telling me to pay my bill. I asked them what kind of system do you have in place if the first call was not successfully made and they answered none. At that time I was very mad at them and I paid the account off with the operator I was speaking with and immediately closed the account. But their explanation on the XXXX  credit report that I just received on XX/XX/XXXX says that the credit card company close the account when in fact I'm the that requested it be closed. I closed the account because of their stupidity and there collection practices. I asked them to remove the delinquent notices from my credit report and they said they would look into it based upon the issues with the Robo call system they have. But as of this date they have made no effort to remove those late charges from my account. Actually the only way that I learned about this was when I was looking at a car for sale at a dealership and they said that they got a negative report back about late payments, that's when I went home to research this and found the Home Depot issue. It was my mistake for thinking I had paid off without checking but I'm sure I had. Home Depot never called or emailed me to tell me that I still owed them money.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 continuation of the above complaint, it states still open but received a response stating that it was verified by the company and states that company stated it was resolved. this has not been resolved. by anyone, also requested documentation and procedure of complaint with who and what was used to make the determination. Also requested double accounting entry documentation on the account of all transactions done to this account and have not received anything they just sent a respond with no documentation, no method and just took the word of the company that is refusing to supply the information.