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

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They told me they couldnt do anything about it, to call trans union. I called trans union so they could remove the false information and they told me its correct like XXXX, my credit score has been XXXX ever since the vehicle was totaled and was being paid by insurance. The vehicle was paid by insurance company and gap coverage insurance people. The vehicle was totalled XX/XX/XXXX and it is now XX/XX/XXXX i need help.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX2 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX  XXXX {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX, I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U, S. Code 16816 In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( I ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX Creditor : SYNCB/PAYPAL Inquiry Date : XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX I AM REQUESTING UNDER FRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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 information relating to any transaction by the consumer.

I look forward to receiving an updated copy of my credit report reflecting the above correction.

Thank you in advance.

Sincerely,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- COVID-19 Relief PENNYMAC LOAN SERVICES Loan number XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

THE REINSTATEMENT BALANCE PAYMENT HAS BEEN SUBMITTED AND ACCOUNT IS NOW IN CURRENT STATUS My name is XXXX XXXX and I am writing this letter in hopes of removing late payment from my credit report. I am currently going through a divorce. We separated in XX/XX/2020 because of the negative impact XXXX had on our marriage. Due to us being in the XXXX, we both were affected in negative ways. From the constant change in scheduling, to the disagreement in beliefs of the vaccine, to being XXXX in short notice it cause a terrible fall in our marriage. When he finally got fed up and moved out he completely stopped supporting the bills which in turn left to pay all the bills and then some .I just recently submitted a payment of $ XXXX to have my account reinstated. I am in a better place financially and will no longer have issues making any payments.
Product: Vehicle loan or lease

I traded in the car associated with the loan in question on XX/XX/XXXX and the 10 day pay off was overnighted to Bridgecrest by XXXX on XX/XX/XXXX. The payoff was not applied to the account untill XX/XX/XXXX which resulted in an automatic bank draft to be completed on XX/XX/XXXX for the monthly payment, even though they had the payoff amount. Bridgecrest said it was because of processing time and that they would have an answer for me on XX/XX/XXXX on when I would have my overpayment reimbursement check and how much it would be for. When I called today, they said it just went to review today and that I won't have an answer about how much or when my reimbursement check will arrive untill XX/XX/XXXX. They continue to kick the can down the road and are holding on to money that doesn't belong to them. I also received a letter on XX/XX/XXXX congratulating me on paying off the loan and notifying that the title would be sent. I do not understand how they would be able to do this without knowing what my overpayment was and how they can legally be allowed to hold onto those funds if the title is already being sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out on XX/XX/XXXX2022 and received no response from department of educationXXXX XXXX in which I followed up on XX/XX/XXXX2022 via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX2022 and XX/XX/XXXX2022 in which there still has been no response and it is XX/XX/XXXX. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.
Product: Credit card

My credit card payment is due the XXXX so I submitted a bill pay on the XXXX and the money was withdrawn from my account on the XXXX and electronically sent to the credit card company. They did not process the payment until the XXXX and charged a {$41.00} late fee. They refuse to reverse the late fee since the credit card account is closed and they say their system will not allow it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a personal letter to Equifax to review my file for bankruptcy  XXXX . I advised them that the information was incorrect and asked that they verify for correctness. I received a letter f rom Equifax statin g that they verified this information from  XXXX . I also sent another letter stating that  XXXX  sent me a letter stating that I have a Security Freeze on my file that is kept under my personal social security number. I sent them ( Equifax ) confirmation of this letter stating that my   XXXX   account is indeed frozen and it is not true that they verified anything. I called  XXXX  as well and spoke to a representative and she verified that the information Equifax provided me is most definitely inaccurate. I am very bothered that Equifax would willingly report this inaccurate information on my credit file. At no time have I authorized  XXXX  to release any information pertaining to myself to allegedly " verify '' anything. I have not been subpoenaed by any courts to release any information pertaining to myself either. However, no one has a sworn testimony to verifying this information. Confirmation of correctness, truth or authority of a pleading, account or other paper by an affidavit, oath or disposition.   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX  . ; and   XXXX   XXXX   XXXX   XXXX   XXXX  . ( c.c )   XXXX   XXXX   XXXX  , and   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agree on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Product: Debt collection

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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

Compliance with FCRA 605B entails removing any inaccurate accounts from my credit report. Could you please verify the documents? There are inaccuracies in the reporting of several listed accounts. Compensation of {$1000.00} is required for each erroneous entry on my credit file.
Product: Credit card or prepaid card

XX/XX/XXXX Sears General Inquiries XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : On XX/XX/XXXX, I opened a Sears credit card account ( XXXX ) for the express purpose of purchasing a XXXX Brand Washer ( XXXX ). After numerous calls to CitiBank/Sears customer service center, I was forced to visit the Sears store to complete the purchase since the online did not recognize my account. I was assured by several Citi Representatives, that all provisions of my Citi/Sears credit card contract would be honored by the store. That contract, as a 'targetted customer ', called for the additional discount or credit of up to {$32.00} for the initial purchase within 30 days of activation of the card, and another {$200.00} credit to my Citi account once my purchases with the card reached {$1500.00} in the first 90 days. Now, I am a frugal and conscientous consumer and expect advertised prices and contracts to be honored as written. 
I spent over one hour in the Sears Store in XXXX, XXXX, paperwork in hand, to make sure that the prices and discounts matched what I had been promised online and on the phone. After speaking with a number of uncaring associates, I ended up with the Acting Store Manager, who was very understanding, pleasant and acommodating. He directed the sales staff to match the quoted prices by issuing a {$53.00} credit to my account as soon as the sale was entered. He could not, however, offer the {$32.00} or the {$200.00}. credit since those were part of the credit card agreement with Citibank and would be subject to the terms of contract and would appear on my credit card statement within the first 2 billing periods once the conditions of contract had been met. 
When I arrived home, on the same date, I again contacted Sears/Citibank by phone, and was assured by a very professional gentleman, that the specific offers in the case of my account and contract would be unequivically honored by Citibank. Last week, I received a credit from Citibank on my account in the amount of {$150.00}. I immediately called Citibank/Sears customer service and spoke with a Rep and her Supervisor. I was rudely informed that the {$150.00} was the maximum I would receive on my purchase and at no time was any other credit offered, allowed, or honored. THIS IS UNACCEPTABLE. 
At this point, I want a copy of the credit card contract of XX/XX/XXXX which I agreed to online, credits to my account for {$50.00} plus {$32.00} as per contract conditions, and a written apology from XXXX and XXXX. This letter will be forwarded to XXXX general offices and MA Attorney General, as well as posted on Social Media if these conditions are not met promptly. The credit card account will be paid and cancelled once the outstanding balance is satisfied. 

Respectfully, XXXX XXXX XXXX XXXX/XXXX. Sears, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In regards of my many efforts to address these inaccuracies through the appropriate channels, I would like to follow up that the credit reporting agencies have failed to take appropriate action to correct these errors. The continued presence of these late open accounts is significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed all necessary procedures as outlined by the Fair Credit Reporting Act ( FCRA ), providing substantial evidence and documentation to support my claims. Despite this, the credit reporting agencies have not taken the required steps to investigate and rectify these inaccuracies. 
I respectfully ask that you would assist me to take the following actions : Conduct a thorough investigation into the disputed late open accounts listed on my credit report. 
Promptly correct any inaccuracies found regarding these accounts. 
Provide me with a corrected copy of my credit report. 
Furthermore, I request appropriate restitution for any damages incurred due to the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assistance to correct the accounts : XXXX  XXXX XXXX XXXX Balance : {$2700.00} ; XXXX  XXXX Balance : {$100000.00}.
Product: Debt collection

I am getting approximately 10 to 15 calls from this company Credence Recourse Management. Today I got 5 calls in less than 40 minutes.. I work so I ca n't answer however all of the calls that I have received from them have never left a message in regard to why they are calling.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX 15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting

Transunion has failed on several attempts to update my credit as asked. I have faxed information regarding my identity as well as XXXX accounts on my credit to include XXXX and XXXX XXXX XXXX. In regard to my identity, I stated to them ... my name is XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX GA XXXX, phone number is XXXX, employer is XXXX University. Transunion continues to disregard my dispute after sending in my personal identification to verify this information. 

My second issue is that they continue to report incorrect unverified collection accounts on my credit. They are AFNI, XXXX XXXX Bank and XXXX COLLECTIONS all of which I have an open dispute case with the CFPB. My dispute efforts are updated with new information added however they fail to verify this " new information '' with me and continue to leave these items on my credit. I have submitted disputes online as well as via mail in which they fail to acknowledge my issues.
Product: Mortgage

This was a mortgage refinance. I submitted payment to CIT bank on XX/XX/21 to the address provided and with the attached stub provided. The payment was cashed on XX/XX/21 ( but the stamp endorsement on the back shows a XXXX XXXX XXXX account number ). As of XX/XX/21 my mortgage account shows no payment has been received. I called the number for the bank ( CIT bank ), and the guy that answered stated that he works for " XXXX '' which does servicing for the bank. He stated that he could only confirm that no payment was received. He stated multiple times that he does not work for CIT bank, and he offered to transfer me to a number for CIT bank, which led to a circular automated system, which eventually hung up on me. I could not get a human being from CIT bank on the phone.