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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Factual Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX Department, I am writing to formally dispute inaccurate information listed on my credit report. I have reviewed my credit file, and I have found discrepancies regarding the account from Exeter Finance LLC. Please find the details of the disputed account below : Account Name : Exeter Finance LLC Account Number : XXXX The specific inaccuracies I am disputing include : Charge-Off Reporting : The account status reflects " Charged Off '' with an outstanding balance of {$11000.00} as of XX/XX/XXXX. However, this balance appears inaccurate and inconsistent. Charged-off accounts typically do not carry a balance unless specified by the creditor. 
Payment History Errors : The payment history timeline contains reporting inconsistencies, particularly for XX/XX/XXXX through XX/XX/XXXX, which lists the account as " CO '' ( Charge Off ) every month. This is repetitive and does not align with standard reporting practices, as the charge-off date is already reflected in XX/XX/XXXX. 
I am requesting a thorough investigation into this matter. Please verify the accuracy of the information reported by Exeter Finance LLC and provide supporting documentation validating the reported balance and payment history. If you are unable to verify the accuracy of this information, I request its immediate removal from my credit report. 

Enclosed with this letter, I have included a copy of my credit report highlighting the disputed account for your reference. I have also attached a copy of my identification and proof of address to assist with the verification process. 

Thank you for your prompt attention to this matter. I look forward to your investigation and response within the XXXX period, as required under the Fair Credit Reporting Act ( FCRA )
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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: Mortgage

My mortgage was taking over by a bank in XXXX and someone reported it to the credit bureau for XXXX and I have document from the court stating it so, what can I do about it?
Product: Credit reporting or other personal consumer reports

See attached CFPB XXXX full Complaint in PDF format for details. Summary : My account balances on the XXXX and US Dept of Educations websites reflect a XXXX balance after I was granted XXXX  forgiveness, but XXXX has failed to report such to the credit bureaus as stated in its own forgiveness notice. I have filed XXXX rounds of disputes with the credit bureaus to have this information updated to no avail. I am reporting this to the CFPB for XXXX  failure to appropriately report correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 90 days past due on XXXX  XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Mortgage

XXXX   XXXX   XXXX  has held this mortgage on my investment property for years. In  XXXX  they notified me that they were selling the loan t o Bayview Loan Servcing. The first notification from Bayview was that I was behind on my payments to the   tune of {$1500.00}. This should n't be possible because according to  XXXX   XXXX   XXXX  I was current up until  XXXX   XXXX ,   XXXX  . The loan was supposed to transfer to  Bayview  on that date and my first payment was to go to them. However,  Bayview  claims that I owe them for  XXXX ,  XXXX , and  XXXX  payments. Yesterday  XXXX / XXXX /  XXXX   I received a letter dated  XXXX / XXXX /  XXXX   that the loan was in default and that I owed them all the way back to  XXXX / XXXX /  XXXX  , a month before they took over the loan. So I calle d Bayview and they said I was 3 months behind. How could this be if Bayview only h as held the loan for a total of 38 days starting on  XXXX / XXXX /  XXXX  . Last week I verified with  XXXX   XXXX   XXXX  that I was current up to  XXXX   XXXX . Bayview claims I now owe them {$1600.00} in late fees and  Corporate Advance Balance ... .w hatever that is. I tried to call  Bayview  again today  XXXX / XXXX /  XXXX   and after waiting on hold for aprox  10 mins  they closed the office while I was on hold. I believe they are trying to take my property. A property that is a major investment in my time and money over the last 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have got to the fact that I dont assume too much from you now because you sustained to report this fraudulent information in my file although I have shown over the documents required to defend my distress about being an identity theft victim. Im attaching the required FTC Report and my Police Report that I filed on my local Police Department for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I talked to the companies and they told me they approved of deleting the accounts from my file. Common! Be responsible and abide by the FCRA Law! 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  AV XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX
Product: Student loan

Nelnet debited my account after my loan was paid off under consolidation, and sent this payment unbeknown to me, to the new service provider. They claimed they had the right to do this because I had signed an automatic payment agreement with them. But my agreement was with them to make payments to. It did not authorize them taking money from my bank acct. to pay someone else. Besides they told me the automatic payment system was stopped in XXXX of this year after the loan was paid off. My bank acct was debited by them and indicated through my bank statement, on XX/XX/XXXX. If I had not checked my bank statement I would not have known because I was never informed of this taking place. When I discovered this payment was made, I called and they told me a check for the amount would be sent to reimburse me. It would take 6-8 weeks. I waited 10 weeks and after receiving nothing, I called again. First they told me I should have received it and put me on hold, then they told me the money was sent to new provider and my money would not be refunded. When asked who authorized this they said it was their policy. I hadnt even started a payment plan with new provider yet. I should have been informed by Nelnet that this was done. This is literally stealing money from my account!! How many people have they done this too without providing any information or authorization???
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove all fraudulent accounts as i have no knowledge of them. due to the XXXX data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over
Product: Mortgage

For months at a time, I recieved several phone calls a day made arrangements. They said they would still call me until the payment was made. Sometimes they would threaten me with things like foreclosure, other multiple calls.They have charged me many late charges when I was not late.They changed my due date without permission, added insurance when I had my own.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

American Express AMEX card XXXX expires XX/XX/30 security code XXXX Amount {$25.00} Current Balance {$1.00} I purchased this gift card and was able to use it only one time on XXXX. It has a {$1.00} balance and I have not been able to use it in any store as it gets declined. I have asked retailers to only charge {$1.00} but the card still gets declined by AMEX. I have called AMEX and was told nothing is wring with the card and try again. But it continues to be refused
Product: Checking or savings account

I had money taken out of my account unauthorized. I called my bank and told them to file a dispute, they did the dispute and said there was no errors. I opened another dispute with them. The date of the transactions was XX/XX/2023 for the total amount of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-This account is showing open on my credit report, this account was previously closed on my credit report, I disputed this item with all 3 credit bureaus and it still shows open, it keep being sold to different collection agencies and showing up on my credit reports, aster I disputed this matter, this account shows actively open and being reported on my report each month, last report shows XX/XX/XXXX, this account need to be closed and not reported to the credit bureau each month. 

XXXX XXXX XXXX- This account is showing closed on some credit bureaus and open on some, I have previously disputed this and the account was closed and the reported was stopped and then it was reopened, this account is actively reporting to the credit bureau and last report was on XX/XX/XXXX, this account need to be closed and stop actively reporting to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATED :! 5 USC 1681C-2 ( A ) I am enclosing my identity thief report. Block and delete the accounts and send an updated report and score to everyone that has requested it in the last XXXX months. I also included my Identification so that the companies will know that I am acting on my own behalf. I am not able to get an updated consumer report from experian and I have been complaining about this for 3 months now.
Product: Credit reporting or other personal consumer reports

I have filed a FTC report because my credit report shows fraudulent activity. My name is spelled incorrectly and the address listed does not match my current address. There are multiple accounts that do not belong to me listed on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I do not have any connections with these data furnishers I have never signed any agreements nor have I given consent for my non public information to be shared. 15 USC 1681i requires accurate information to be furnished and after a full investigation if these items can not be verified they shall be removed.
Product: Credit card or prepaid card

I looked up my credit score on XXXX XXXX and on XXXX it says I have a SYNC/XXXX XXXX XXXX I had never applied too. And i think it might be lowering my credit score. Today is XX/XX/19
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed 3 fraudulent charges on my credit card statement ; a XXXX XXXX charge, a gas station charge, and a smoke/gift shop charge totaling {$700.00}, all occurring on XX/XX/16. I immediately called Bank of America 's fraud department and initiated a fraud claim ; the claim was denied a day later because they claimed the card was used in my presence ( exact wording : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. ) This isn't physically possible because the card was in my possession and I did not visit those places on XX/XX/XXXX ( and have the XXXX timeline history to prove it ). 
Bank of America does not do their due diligence in investigating fraud claims ; this has happened to me once before, with the denial being the same reason.
Product: Debt collection

I used to work for MCM but left the company over a year ago. While I was working for them, they changed software and I was a supervisor during this time. The software didnt work correctly so I had to use my personal cell phone to get the credit cards to work at times. When this occured, my cell phone number became attached to each account that it was used on. Before I left the company, I made sure to go through and search all accounts that my number had been linked to and disable the number. Not long after I left, I started getting calls looking for people from those accounts. I informed them at that time to make sure they werent reenabling my number because it was not a good number for any of these people. Now, I am again getting calls. I have had at least 10 calls in the last week for at least 3 different people. I again told them to disable my number and explained to them why it was on the accounts to begin with. They are not disabling it at all because I am continuing to get calls for the same consumer. One of them, I have now told them 3 times that this is not a good number, but the calls continue.
Product: Debt collection

The company sent my debt to XXXX XXXX XXXX who didn't send a debt verification letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$690.00} XXXX XXXX {$11000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is REQUIRED to be REMOVED.

** Original complaint XXXX was submitted on XXXX **
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXXBalance Owed : {$320.00}.
Product: Credit card or prepaid card

Good morning My wife and I have a problem with : Money Network Cardholder Services related to the Economic Impact Payment Card. 

We have called their customer lines several times but We were unable to contact someone to help us with this request, the available options are only with a card number, but this is not our case as we never got one. We have also sent to certified letter through USPS and XXXX and  both have been returned saying the company moved from that location, but that is the only address shown on their website. 

We received a White House letter on XX/XX/2020, and notice number XXXX XXXX XXXX XXXX which indicated we are receiving an economic impact payment of {$2400.00} by check/debit card, nevertheless, so far, we have no received it, reason why, we contacted to the IRS to get more information about it. The IRS informed us that Money Network Cardholder Services is in charge and responsible for sending the cards with the economic impact payment so we contacted them directly with no response. 
We daily carefully check our mail but nothing has arrived yet after almost 4 months where even my neighbor got it. 
We truly appreciate your prompt reply to this request, due to the current situation, we really need this economic assistance. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Purchased a package for XXXX XXXX and XXXX XXXX. The company was horrible and don't even have a business location in the US. They offer a 100 % guarantee and when I asked for it they said they would give me it but months later they still wont. I submitted a dispute and was told it was denied because I got the service I paid for. When I called to see why they said it was filed erroneously amd should have been filed as a 100 % guarantee failure to pay. I resubmitted it and then they denied it again saying it was too long to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a proper investigation under these hard inquiries on my credit I did not give any permissible purpose for running my credit. Proper investigation. Show me proof in writing with me or my signature to run my credit accordance with the Fair Credit Reporting act. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need proof of this as soon as possible
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX