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

XXXX XXXX ( XXXX ) ( XXXX This CFPB complaint had been filled to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX XXXX on XX/XX/XXXX acct ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

WFBNA CARD Account number XXXX Under the provisions of the CARES Act, which aims to protect consumers affected by the pandemic, I am requesting that you consider removing this late payments from my credit report as a gesture of goodwill. I am confident that this isolated incident does not accurately reflect my creditworthiness or financial responsibility. The late payments in question was an anomaly caused by the unprecedented financial strain I faced during the height of the pandemic. 
The late payments listed were during the pandemic XXXX XXXX XXXX days late XXXX XXXXXXXX XXXX days late XXXX XXXXXXXX  days late XXXX XXXX XXXX  days late XXXX XXXX days late This account has been paid and closed and I will like for the late payments to please be updated to paid. 


Furthermore, the reporting of the late payments is inaccurate, a payment can not be considered 60 days late, than 30 days late and go back to 60 days late. A payment can not be considered 60 days late 2 months in a row. This isn't factual reporting and is a violation of my consumer rights. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, all information must be reported accuracy.
Product: Credit reporting or other personal consumer reports

Dear PNC, I am contacting you with regards to the above reference application for a personal loan from your bank. You mailed me a letter indicating that this application was denied. I am concerned that this credit denial violated several laws for the following reasons ; In your letter, you listed several non-decisive factors as your basis for a denial of credit which amounts to giving false and inaccurate information to a consumer. That is a violation of 15 US code 1611. Particularly, your letter stated : serious delinquency and public record or collection filed time since delinquency is too recent or unknown ratio of balance to limit on bank revolving or other revolving accounts too high too many accounts with balances. 
( VIOLATIONS-15USC1692j, 15USC1692a ( 3 ), 15USC1681 ( n ), 15USC1692b ( 2 ) Not only is this information inaccurate, it has no bearing on the only legally valid basis for you to consider in making your credit approval decision, which is the ability of the consumer to actually repay the debt, so these factors should have never been considered when evaluating my credit worthiness in applying for this credit. 
OTHER VIOLATIONS ARE LISTED BELOW : 15USC1692a ( 1 ) 15USC1692e ( 3 )
Product: Student loan

I have a student loan with Navient ( Formally XXXX XXXX ) and I forgot to make two payments and I started to receive phone calls on Friday. I received one on Friday, one on Saturday, one Sunday, one on Monday, 7 on Tuesday ( 3 of which occurred after I scheduled an online payment to make account current ) and then one more on Wednesday after the payment cleared the bank.
Product: Credit reporting or other personal consumer reports

This morning on XXXX XXXX I received an email from my bank, XXXX, saying that a hard credit report was just run on my account. I did not apply for any credit cards so I looked into it. The report was requested by Capital One so I called them to report the fraudulent application. They instructed me to reach out to the credit bureau and FTC.
Product: Mortgage

XXXX XXXX XXXX XXXX 2021. Account No. : XXXX XXXXNationstar has failed to pay my 2021 property taxes via my mortage escrow account. Nationstar records show the funds of {$3800.00} were withdrawn from my escrow account on XXXX however, the XXXX County Tax office has no records of payment submission from Nationstar as of XXXX. 
On XXXX I contacted Nationstar to let them know my tax account was not paid ( previous county records reflect payments made and credited to my account prior to XX/XX/XXXX of each year, except 2021 ). Nationstar has stated they are having a problem with XXXX County, however, XXXX County has stated that is not true and if payments were sent it would have been credited to my account just as in previous years. 
I do not want my home to go into foreclosure due to Nationstar neglectful actions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting everything must be true and 100 % accurate. 

The credit bureaus stated that my was properly investigated but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the dates last reported are inaccurate. This is grounds for removal. 

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 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 been a victim of identity theft and there are several accounts opened by the person who stole my identity. The following accounts a result of my identity being stolen. 
XXXX XXXX Opened XX/XX/XXXX {$9200.00} stolen XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} Stolen BANKRUPTCY CHAPTER XXXX Filed XX/XX/XXXX I have verified with all these companies that these accounts do not belong to me and they're going to send a letter to remove these accounts in " 4-6 week ''. It has been more than the time frame they've given to me yet these accounts are still reporting to me. The representatives at XXXX, Equifax, and XXXX neglect deletion of these accounts even with valid documents requested by them. They even neglect deletion using the Fair Credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021, I received an inquiry on my credit report from Tower Loan. I called the company to have it removed, only to be forwarded to a prerecorded hang up line. I also contacted XX/XX/XXXX. They sent me here. Please remove this from my credit report. The pandemic has made life hard enough.
Product: Vehicle loan or lease

I contacted XXXX XXXXl in XXXX to set up a payment arraignment and in XXXX again because i was needing to split my payments ... in XXXX Just a day before my scheduled payment arraignment lobel financial reposessed my car and every thing in it ... .and than they wanted over {$1500.00} to get it out of XXXX. I was not prepared to pay this amount our set up arraignment was for {$250.00}. XXXX XXXX was the day we had we up to pay the XXXX.. after the vehicle was repoed i contacted lobel and they proceeded to put me on hold for long periods of time, was hung up on, reps and management were very rude and not helpful. And claimed not to have even one notebin the system for a payment arraignment.. now I 've got no car and no job because i needed reliable transportation to keep my job...
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Misapplication of Funds : There was an error in how my payment was processed, resulting in an incorrect report of a late payment. The payment was sent and processed on time but was not correctly applied to my account by XXXX. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt or credit management

A mispayment was placed on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I've paid the balance of {$44.00}.
Product: Checking or savings account

I have tried to access my TD banking account for the past three months and I havent been able to. I have tried to contact executive management and I have tried to contact every single branch around me to see if they can help me out but every single time they just say we can not do anything about it sorry like weve tried to reset passwords logins different computers phones everything and they still cant figure it out but because of that I can not access my funds I can not transfer anything I can not do anything with it and I even tried closing it and talking to management theres nothing else they can do about it.
Product: Debt collection

I am formally requesting the removal of this inaccurate account from my credit report. I did not authorize its creation or usage. Enclosed are the necessary documents to support my claim.
Product: Credit reporting or other personal consumer reports

I have been using XXXX for a while. I have been disputing things on my account that I never authorized or have any contracts or agreements with these agencies or companies, such as, collections, personal information that is not mines, and inquires that I didn't authorize. Every time I call, they say we are going to do our best to get this resolved and all the disputes say verified but no one has ever truly verified anything and I ask for removal and nothing happens. I called Sun, XX/XX/year> to address my concerns and my account all of a sudden being locked, get this stuff resolved with ongoing disputes for almost a year. The representative made me very uncomfortable asking for my full social security number and every piece of personal private information. I never had to give all that information before. I even verified my identity already with XXXX by uploading a picture of my ID though text authentication method. I stated that to the representative and he had no answer, I asked for a United States representative, he said he couldn't do that. I asked for a manager, I then connected with XXXX XXXX ID XXXX, XXXX of XXXX, explained her the situation about my account being locked and my disputes issues. XXXX asked for a picture copy of my social security card and my ID. I told her i feel uncomfortable because 1. they just had a major data breach, 2. I never have been asked for a picture of my social security card to verify my identity for a account such like XXXX. She never gave me a real answer, just keep saying small useless phrases. This is real unprofessional, funny activity, and every time I bring up the fair Credit Report Act, United States Code, and Consumer Credit report Act, the conversation turns into clown show. This is very tyrant like activity and these concerns have gone way beyond they time frames and bounds that XXXX XXXX XXXX XXXX - Validation of debts, states in the law, but this stuff is still attached to my account hindering me from living my life how its supposed to be lived. I am very disgusted and overly ready for some real authentic results that are in concordance with the FCRA and United states Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEW ACCOUNTS IS NOT EVEN BELONG TO ME, AND IT STILL SHOWING TO MY CREDIT HISTORY AND THOSE ACCOUNT ARE DAMAGING MY FINANCIAL LIFE
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX charged off account. never sent me my 1099 form. 
XX/XX/XXXX XXXX charged off acount. never sent me my 1099 form. 
XX/XX/XXXX XXXX XXXX XXXX acount. never sent me my 1099 form. ( XXXX ) XX/XX/XXXXXXXX XXXX XXXXXXXX closed account. never sent me 1099 form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Filed a dispute in regards to incorrect items on my XX/XX/XXXX credit Report. it has been well over 30 days and i haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX  account was reporting positive paid as agreed. Recently during a dispute the credit bureaus reverse the reporting to negative. This account status was not to be change from positive to negative. FCRA violation was committed when my positive reporting was changed to negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) On XX/XX/219, I received a Credit Alert from XXXX. XXXX Alert shows my OneMain Financial as " Settlement ''. I never signed a settlement nor verbally agreed to one.

2 ) On XXXX my XXXX XXXX XXXX  account shows a balance of {$2400.00} however I paid {$25.00}. The account should show a balance of {$2400.00}.
Product: Debt collection

They purchased a time barred account that was based on identity theft and have violated FDCA by renewing the statute of limitations illegally. I 've sent a cease and desist letter informing them that the account is time barred and I 've also learned that the company is n't bonded to collect debt in the state of Texas, thus violating Texas State Law. There are numerous FDCPA violations and I 've hired an attorney to proceed with filing a lawsuit against them for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation, confirmation # XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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 XXXX. XXXX XX/XX/XXXX Furthermore, In 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.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This communication is a follow-up in regards to closed complaint XXXX Portfolio Recovery Associates, LLC is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. 
Portfolio Recovery Associates, LLC responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Portfolio Recovery Associates, LLC, NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX 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

A company called XXXX XXXX XXXX in XXXX XXXX, MN took my XXXX/XXXX  XXXX  in XXXX for services that I never received from them. 
They also repeatedly charged my credit card {$200.00} and they did pay those back to me after I disputed with my credit card company. I did not know about the XXXX XXXX at this time. 

XXXX XXXX  sold this debt to XXXX XXXX XXXX. It was made as a judgement against me in XXXX, and showed up on one of my credit reports in XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX and they said that Rodenburg Law Firm out of North Dakota was handling the account. 

So I called Rodenburg Law Firm and was forwarded to a voicemail for a XXXX at ext. # XXXX. She called me back, and I asked her to send literature on this account, as I believe I do not owe this debt. I received literature in the mail, and I have called and left countless voicemails. No one answers the phones, and no one returns my calls. I need this taken care of, as I am trying to close on a house, and this is preventing me to do so. 

There is an active judgement against me, that I do not agree with, and have disputed numerous times. XXXX XXXX XXXX agrees that I do not owe the debt. Yet after it has been sold and sold, I can not get a hold of anyone to remove it, or help me get this taken care of. If they are going to file something on me like this, they should make sure consumers are able to get in contact with someone to take care of it. I feel trapped. 

This is not fair, and I am filing a complaint against Rodenburg Law Firm, and XXXX XXXX XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to a mixed credit file. I have a twin brother and our reports were mixed up quite some time ago and the issue has not even remotely been solved. In fact, Equifax is the ONLY bureau continuing to mix our information. 

The documents requested have already been sent in, numerous times. 
On XX/XX/2022 I sent a copy of my passport and a copy of my social CERTIFIED and have receipt that it was picked up and signed for. 

Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX Priority Mail 1-Day Mailed on the XXXX of XXXX and received on the XXXX of XXXX, signed for XXXX XXXX XXXX. 

Within the past month, I have called Equifax almost every day and the moment I get through, I am hung up on. Ive made it to a supervisor and also was hung up on. 

I have also requested that proof of ownership for all inaccurate accounts be sent to the address on file and that has also not happened. My file can not be located but it obviously exists since things keep being added to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
items : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; US DEPARTMENT OF EDU XXXX Balance {$5100.00} ; US DEPARTMENT OF EDU XXXX Balance {$3100.00}.