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

Company name : XXXX XXXX, late payments Dates XX/XX/XXXX, XX/XX/XXXX unknown at this time. 



In accordance with the federal reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

I received a notice from Sequium Asset Solutions LLC regarding a {$34.00} XXXX XXXX XXXX phone bill that I do not owe. I immediately mailed the notice back disputing the charges. I sent the dispute to them via mail on XX/XX/2021. Sequium responded to my debt validation notice and instead, reported the account as collections to the Credit reporting agencies. What Sequium Asset Solutions LLC did was violate my rights as a consumer and I am seeking remedy in this situation by having them remove the erroneous charge from my account and send the proof in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove immediately XXXX bankruptcy case from my credit report
Product: Debt collection

I have previously demanded that your company provide contract with my authentic signature that started this alleged debt.. You have failed to do so. Please take notice that your inaction is detrimental to me and is in violation of various laws, including, but not limited to, the Consumer Credit Protection Act ( CCPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

As you are aware, your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. You inaction makes it apparent that you have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed by your dissemination of information that is inaccurate or which can not be validated. Specifically, you have communicated and are continuing to communicate incorrect and defamatory information to third parties, including, but not limited to, Credit Reporting Agencies.. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this tradeline from my credit reports ( Credit Reporting Agencies ).
Product: Mortgage

I sold my property located in XXXX, AZ. Prior to closing, I received a copy of the payoff statement submitted by BSI to XXXX XXXX. I called BSI on XX/XX/XXXX, because of a late fee of {$38.00} on the statement. I spoke with XXXX who confirmed that my monthly payments were all paid on time and the {$38.00} will be refunded when the account is paid in full. The purpose of this late fee is if the title company does not pay the loan off before the fifteenth of the month. 

I signed closing documents on XX/XX/XXXX, and the buyer signed on XX/XX/XXXX. The title company received all the necessary documents, closed escrow, and funded on XX/XX/XXXX. On XX/XX/XXXX, I called BSI and spoke with XXXX. She confirmed the loan was paid off on XX/XX/XXXX, and the balance of my escrow account was {$560.00}. XXXX explained there is a 30-day review prior to releasing all funds from the account. Based on our discussion and the settlement statement, I estimated my refund from BSI would be approximately {$1100.00}, ( {$560.00} escrow + {$38.00} late fee + {$470.00} interest refund ). 

On XX/XX/XXXX, I received a refund check for {$560.00}. The check did not include a breakdown of the refund. About a week later, I received the Final Analysis Statement. This document is only a breakdown of my escrow account and is consistent with what XXXX at BSI told me about my escrow balance. I have not received an additional check for the refund of my interest or the late fee. I am including both documents in this complaint. On XX/XX/XXXX, I called BSI and spoke with XXXX. I asked for an explanation of my refund and that I do not see a credit for the late fee and interest. XXXX told me the escrow refund is {$290.00}, the interest refund is {$270.00}, and the late fee refund is {$93.00}. These three amounts total {$660.00}, more than the check I received. 

When I told XXXX this amount does not match the check I received, she told me she would refer the account to the Payoff department and call me back. As of today, XX/XX/XXXX, I have not received any additional correspondence or a phone call from BSI about my missing funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal complaint that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission. 
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Product: Student loan

To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Compliant Regarding Inaccurate Reporting by XXXX  Dear CFPB, I am filing this formal complaint regarding XXXXXXXX XXXX failure to comply with federal reporting standards under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve discrepancies regarding student loan accounts reported by Navient, these issues remain unresolved. They have transferred my loans to XXXX I request your assistance in investigating XXXX XXXX non-compliance with : 1. FCRA Section 605B ( 15 U.S.C. 1681c-2 ) 2. FCRA Section 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) 3. FCRA Section 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) I have attached all supporting documentation and correspondence for your review. I trust the CFPB to ensure compliance and enforce the necessary corrective actions. Thank you for your time and attention. 

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

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. 
XXXX XXXX XXXX reported to the Credit Bureau that my account was 30 to 60 days delinquent and late when in fact it was not late at all. I made a credit card payment to XXXX XXXX XXXX in the amount of {$33.00} payment on XX/XX/XXXX which then left a {$18.00} total balance due - I then paid the {$18.00} to XXXX XXXX XXXX on XX/XX/XXXX bringing my account to a XXXX  balance. XXXX XXXX XXXX reported my account delinquent and late on XX/XX/XXXX without even checking to see I made a {$33.00} payment and that my account was not past due or delinquent and up to date - I feel that XXXX XXXX XXXX is using unfair bullying tactics to scare and intimidate the credit card holder. XXXX XXXX   should have checked my account balance prior to them reporting any amounts past due or delinquent. The amount XXXX XXXX XXXX reported to the Credit Bureau was done in BAD FAITH and was done to punish me and hurt my credit score. Since XXXX XXXX XXXX reported this false past due and delinquent account - my credit score has dropped well over 120 points. Please notify them to correct this unfair and false reporting to the Credit Bureau as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite numerous attempts to address the inaccuracies in these accounts and my repeated requests for thorough investigations, I have yet to see any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and disrupting my ability to live a normal life. The impact of these inaccuracies has caused significant hardship, compelling me to urgently seek your assistance in resolving this matter as quickly as possible. 

I respectfully request a thorough investigation into the reporting of each disputed account. It is critical that immediate steps are taken to update and correct my credit report without further delay. Your assistance in restoring the accuracy and integrity of my credit file is vital for me to regain control over my financial stability. 

I strongly urge you to prioritize this issue and take swift action. Your prompt cooperation and support in resolving this matter would be greatly appreciated. 

Thank you for your attention and assistance.
Product: Debt collection

Dear XXXX XXXX XXXX, We're contacting you from Spire Recovery Solutions about your account ( XXXX. We offer flexible arrangements and settlement options. Please contact us : Call : XXXX Text Online : https : //portal.spirerecoverysolutions.com/Login Your prompt response is appreciated. Note : This is an attempt to collect a debt and any information obtained will be used for that purpose. Thank you Text STOP to opt out
Product: Credit card

on XX/XX/year> i purchased an item from company XXXX online using Goldman Sachs Apple credit card, amount {$59.00}. the merchant advertised the items can be returned within 2 weeks but did not show the return address online. looked legit but when i tried to return the shoes, the gave me an address in XXXX to send it back. cost of shipping would be more than the cost of those shoes. i contacted Goldman customer service, provided them with required info and snapshots of the merchant 's website return policy. At first they gave me the money back for item and dispute was filed. Today i have noticed that charge was put back on my account last month- no email or message about dispute conclusion. quietly put the charge back! i called and asked why they are siding with the shady merchant, they did not give me an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account, XXXX XXXX XXXX  XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX  Delaware that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX Delaware several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of accounts that aren't mine.
Product: Debt collection

After having to have my credit run, I discovered that I was a Victim of Identity Theft. I contacted the Creditor and the Credit Bureaus and sent in a Police Report along with other affadavits. XXXX XXXX was then changed on my Report as Charge Off as Bad Debt. This Debt is not mines and I should not have to have my Report tarnished by it.
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. These are the accounts i have marked as inaccurate. 
XXXX XXXX, Acct # ending in XXXX confirmation dispute number XXXXXXXX XXXX XXXX XXXX Acct # ending in XXXX confirmation dispute number XXXXXXXX XXXX XXXX XXXX, Acct # ending in XXXX confirmation dispute number XXXX
Product: Credit card or prepaid card

I called Macy 's to settle an old account I had with them. I asked them how they preferred payment, and they told me to send a money order to Macy 's, XXXX. XXXX XXXX, XXXX, KY XXXX. I did exactly as I was directed. I called them a few days later and was told that I should have sent it to XXXX. XXXX XXXX XXXX, AZ XXXX. I went and got another money order and sent it to that address. Macy 's has made me pay for this account twice. Please make them delete the account from my credit, and refund me one of the 2 payments I've made to them Immediately! I'm happy to pay them what I owe them, but not twice!
Product: Credit reporting or other personal consumer reports

Dear Experian Credit Bureau XXXX XXXX, I am writing to request the removal of the account with XXXXXXXX XXXX ending in XXXX. This account and its balance do not belong to me ; they are the result of identity theft and fraud. I have disputed this matter multiple times, but the account has consistently been reinserted. I have attached the removal letter from XXXXXXXX XXXX  and have also submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect information on my credit report. 

Experian has repeatedly violated the allowable timeframe to resolve and correct these issues. Therefore, I am requesting the immediate removal of this erroneous information and prompt attention to this significant matter. All other credit bureaus have already removed this account, and I need this ongoing problem resolved as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX*Account Information** - **Account Name : ** XXXXXXXX XXXX - **Account Number : ** XXXX - **Account Type : ** Credit Card - **Responsibility : ** Individual - **Date Opened : ** XX/XX/XXXX - **Status : ** Account charged off ; {$7500.00} past due as of XX/XX/XXXX. 
- **Status Updated : ** XX/XX/XXXX - **Balance : ** {$7500.00} - **Balance Updated : ** XX/XX/XXXX - **Recent Payment : ** - - **Monthly Payment : ** - - **Credit Limit : ** {$15000.00} - **Highest Balance : ** {$7500.00} - **Terms : ** - - **On Record Until : ** XX/XX/XXXX 2030
Product: Credit card or prepaid card

I am still harassed by XXXX XXXX with this pre-selected credit card offer after I opted out national DO NOT CONTACT. Please REMOVE me from all communications.
Product: Debt collection

I am filing this complaint in response to your letter or phone call dated XXXX XXXX XXXX # XXXX, # XXXX, # XXXX. I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2.

Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are all reporting that I owe a student loan when in fact this is not true and the statue of limitations are expired which is 4 years in the State of Texas. I have sent multiple letters to ask them to verify the " unverified '' information in which I was told that they have investigated and it is in " fact my account ''. This is untrue and incorrect and I need them all to delete this incorrect information from my credit file. I can not get a mortgage for my family because of their error. What upsets me is that they can put incorrect information and say they " investigated '' when I know for a fact that no investigation was done and no proof or wet ink signatures were sent to me. I do not have an MPN for the loans they have on my file. So they need to remove this within the legally allotted time frame which has increasingly expired. I understand that XXXX and others have been sued for reporting incorrect information on peoples personal credit reports and I want my name added to that bunch. I do not want to go to court and sue the 3 credit agencies and XXXX XXXX XXXX XXXX for their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

After obtaining my credit report from each of the bureaus i noticed inquiries that were not made by my or authorized. On XXXX XXXX I contacted Equifax and was not only belittled by the representative asking if i knew where America was. After 21 years in the XXXX that was offensive. Asked to speak to a supervisor and got the run around and someone else who could not understand what I was saying. 
I had filed online dispute for the inquires not mine or unauthorized and placed an alert on my file about the following Inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Same day I received dispute results and only had a statement that it was factual. On the dispute letter from Equifax, it states i have the right You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number. 
Today XXXX XXXX i tried to be reasonable and call and talk to someone and same thing was not getting anywhere, and the representative seemed to not understand what I was saying I asked to talk to a supervisor first i was hold for 10 minutes and he came back trying to tell me how to file a dispute. I asked to talk to a supervisor again as we were not getting anywhere, and the representative hung on me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following accounts and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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