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

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX  XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times in regards to these inquiries. And I was told there are not accounts found. And they are all on my report. I did not authorize any of these accounts or inquiries. 

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

A. I work for XXXX  XXXX XXXX in XXXX  XXXX XXXX, XXXX XXXX, SC XXXX ... .by Gods grace ... I am a XXXX XXXX employee- you can check XXXX XXXX XXXX XXXX have a XXXX email by Gods grace and guidance. 

2. I was trying to consolidate to do good payment since i have t omaintain XXXX, in an aprtment, then my family lives in XXXX, Fl XXXX, USA and 3. my mother lives in XXXX now called XXXX Hard to maintain always so trying t oconslidate 3. During that stage, Mrs. XXXX XXXX in XXXX XXXX XXXX XXXX did an outstanding job as always- from day from the year 2016 when i got XXXX XXXX loan. 

4. now i have called to consolidate, she found negative and i asked them to send the letter it states 39- serious delinquency which is Absolutely wrong. 

5. As you had asked from this afternono i had tried multiple times to reach XXXX XXXX XXXX XXXX any option i could not get hold of i tried through XXXX  search or how to contact- someone told email consumer support customer support for experien it goes to an auto response to auto repair totally lost =unable to reach to explain and get the accurate and resolve so that it does not appear wrongly Is there a way to reach them or talk to them in person please
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX CT XXXX, KY XXXX XX/XX/2005, XXXX XXXX XXXXXXXX Balance : {$4200.00}, ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$220.00}, XXXX XXXX XXXXXXXX Balance : {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has in several occasions violated my consumer rights of accurate reporting despite certified mailings, online disputes calls to speak with live agent. They have even lied and said they have not received my certified mailings. 
They are reporting inaccurate name, address, balance, date of loan, date of charge off and repossession. Despite what they have been given by XXXX XXXX  there jobs is to find the burden of proof and report or remove inaccuracies what they have done is based off my disputes corrected my name and address and not investigated my other requested disputes. I have received a letter From XXXX XXXX on there own letter head and from a person in manage burden of proof showing incorrect name, address, and year of debt. I have submitted this info for the last time so it maybe deleted per my consumer rights! Which experian continues to violate. I have exhausted all pleas to remove NOT update ongoing false and inaccurate information. They know I have been a victim of fraud and have provided them with accurate personal information which would of helped resolved this ongoing issue. It has caused me unnecessary stress along with ongoing medical issues in which prompted me to try to resolve this issue for the last few months XXXX XXXX XXXX has reported to CFPB they have informed experian to remove the account from my credit report and experian has updated it as accurate again proving they are in violation of the law and have not complied with fair reporting practices
Product: Debt collection

I have been going back and forth corresponding with this company since XXXX/2017 in regards to a account with XXXX XXXX XXXX they state that I owe. I have explained to this company on multiple occasions that this account does not belong to me. I have requested that they legally and properly validate this account. I have requested that they provide me with a contract or documentation bearing my signature, they have not. I have asked them to provide me the information on how this account was open if by email or in person and could they provide me with this information, they have not! I have asked them to provide me a chain of custody, they have not! I have asked them to provide me with a complete billing record as the balance they are stating I owe has a previous balance of {$430.00}, they have not! They are stating that payment of {$75.00} was made on my behalf I asked them to provide me with how, who, when, and what method this payment was made and again they have not! This company is being grossly negligence in providing the requested information by law. If this matter is not resolved and I take this to court all of the information I am requesting has to be legally provided. If I have to file a lawsuit I will seek monetary damages to the maximum extent allowable by law. This account is causing harm to my credit file.
Product: Credit reporting

I have been a victim of Identity theft and I'am trying to dispute incorrect Items on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$1100.00} XX/XX/year> XXXX XXXX XXXX XXXX {$11000.00} XX/XX/year> XXXX BANK NA XXXX {$7600.00} XX/XX/year> XXXX XXXX XXXX XXXX {$190.00} XX/XX/year> WRONG SOCIAL SECURITY XXXX I AM ITIN NO SS 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received an offer in the mail to get this loan. It stated a interest amount of around {$200.00} to borrow the {$950.00}. I was under the impression that I could pay this off in a month and only pay the interest and what I borrowed. I have tried to get a hold of the company and they insist that all the payments I have already made were completely interest and I still owe {$950.00} plus more interest to get out of their debt. I have currently paid {$890.00} in interest only and {$33.00} towards the {$950.00} I borrowed. I just want them to let me pay the fair price for what I owe them from what I borrowed and be done with this. Right now they are debiting {$180.00} every 2 weeks from my bank account and they state they will not quit doing this until XX/XX/XXXX. That will be {$3700.00}. Please help me in getting this settled. I was uniformed and unable to view the lending disclosures on how much this would cost me until after the funds had been delivered. I was under the impression I could pay this off with a reasonable interest rate.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a copy of my credit report and i already disputed the inaccurate information with the debt collection agency and they refused to send me the documents that i requested for Validation of Debt which is a violation of the FDCPA. they sent me a statement of summary and that is not proof of debt or is it a contract between them and i. 

Company Name : LVNN FUNDING # XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed
items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Debt collection

XXXX XXXX Apartments charged my family for ( nonexistent ) damages. XXXX XXXX has no record of me or my husband living there and can not prove the damages. 
XXXX XXXX Apartments never submitted a bill, email or phone call. Never contacted me or my family regarding the damages. 
XXXX XXXX Apartments submitted a claim to National Credit Systems, again without contacting us.

National Credit Systems fraudulently filed the claim. By law : Within 5 DAYS of first contacting you, the debt collector must send you a letter telling you : the amount of the debt, the name of the creditor, information about what you can do if you think there has been a mistake or you dont actually owe the money. You have thirty days from receipt of this letter to dispute the debt. National Credit Systems never gave us any of the above information or allowed us to file a dispute claim.

We have been calling, asking for the correct paperwork to file with the National Credit Systems for over 8 months. No information has been provided.
Product: Mortgage

My husband and I refinanced our home to remove PMI & decrease rate, leaving Axos Bank This was done through XXXX XXXX XXXX. XXXX XXXX XXXX was having many issues with responses from Axos Bank causing delays in closing ( Axos Bank was delaying sending demand statements and limited date range ). In XX/XX/2021 we signed closing documents however, because of the delays in closing we made our XX/XX/2021 payment {$3400.00} on XX/XX/2021 which was included in the Axos Demand Statement. On XX/XX/2021 Bank XXXX XXXX XXXXXXXX XXXX who wired {$400000.00}. Axos Bank is stating that payment for {$390000.00} was wired. I also overpaid my {$3400.00} payment that Axos Bank is trying not to refund. I have attempted to resolve this for weeks calling the Broker ( XXXX ), the funder ( XXXX XXXXXXXX XXXX XXXX ) and Axos Bank.
Product: Credit reporting or other personal consumer reports

The bank, on behalf of XXXX, sent me a false, misleading, and materially incorrect letter. 

It refers to credit report data, but no credit report is listed. My credit reports are frozen due to identity theft. 

The reduction letter asserts that there is no mortgage data on my home, while I have a mortgage with XXXX and have had the same since 2008. 

The report says I have too many inquiries, which are false, misleading, and fraudulent. I have less than four authorized I have inquiries.

The bank says I have cars with high balances, yet I have at least four cars with a XXXX balance, overpaid ( credit ) balance, or no balance greater than 25 % of the authorized credit.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXXXXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

This company lied about filing a 1099c form on the account for forgiveness then sold the debt to a debt buyer.So I sent a letter to the company to file it on my taxes because the IRS STATED THAT I NEED IT. So they decided to message me privately to keep the CFPB out of the laws that they are breaking I have proof down below
Product: Credit card or prepaid card

I have a issue with a investigation regarding Bank of America here is the information BANK OF AMERICA ( Bank ) XX/XX/2021 I opened a bank account over the phone for my Business since the banks were not taking business account people in the bank without a appointment because at the time it allota of people in person opening accounts.I was offered to apply for a BOA credit card on the same day I opened my account, I said, if it effects my credit score I do not want to apply, if you or they have a recording on that day.I said thatbut the teller ran my credit with a hard inquiry anyway after I was done with my bank account, and I called back to say I didnt authorize them to do that, but they wrote a note and said I agreed with NO proof lbs I was signed up over the phone so I didnt input any information on my behalf.so they are lying to protect their image and their employee at MY expense, thats why I have not even used the banking account because of a grudge.
Product: Credit card

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally address my ongoing concerns regarding unresolved fraudulent charges on my accounts with American Express Bank. Despite my repeated efforts to resolve these issues, I have not received satisfactory assistance. 

I filed a report regarding fraud and identity theft in late XXXX, followed by my communication with your fraud department at the beginning of XXXX. Since then, I have provided all requested documentation, including court documents and any additional materials necessary to support my case. However, my account still reflects the disputed charges, and I have not received a conclusive resolution. 

The representative assigned to my case has requested various documents multiple times, and I have promptly complied with all requests. Regrettably, I was informed that a decision had been made to reinstate the charges back onto my account, which is perplexing and deeply troubling. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Vehicle loan or lease

You Navy Federal credit union are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my 3 credit reports and I sent 3 letters to Equifax, XXXX and XXXX on XX/XX/2021 to verify accounts with original creditors that these accounts are reporting 100 % without errors or delete them. I recieved no response from all 3 credit bureaus. Then on XX/XX/2021 I checked my credit report and I see nothing is reported in dispute, which i have uploaded and I sent followups letters to all 3 credit bureaus ( Equifax, XXXX and XXXX ) that the information must be deleted from my report as soon as possible, since they didn't respond to my 1st letters, which is a violation because they didn't start an investigation and they did not respond to me at all. and i wrote on the letters to remind them " Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. '' Then againI pulled out my credit reports and still no disputes and they didn't respond to my 2nd letters so I sent warning letters 40 days after the second letter on XX/XX/2021. In till this day they have not responded to me. I want them accounts deleted now since they chose not to investigate them and since they didn't respond to me at all which is against the law. That is the issue I'm facing and I ran out of patience, So please help me ib this matter Thank You, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card

I'm greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable XXXX, and I implore you to correct this mistake by promptly removing it from my account.
Product: Debt collection

Sent letter to validate the debt, never received a responds within 30 days..please all information from these accounts from my credit report..see attachements