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

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 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. 

Please update the following accounts and paid, never late. 

15 USC 1666 USC 1666B 12 CFR 1026.13- Billing Error- Late payments XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Dates that need to be updated to paid, never late. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

We have been trying to obtain a mortgage discharge for two months from Bank of America. They did provide us with a copy of a lien release but it was incorrect. We have been requesting a corrected mortgage discharge from Bank of America on a daily basis and we are not getting results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got notified by my employer that there was something on my credit that was a charge off from XXXX but was just added to my credit report XX/XX/XXXX. I called XXXX and they were to be looking at it. It belongs to my dad but my SSN got attached to it somehow. It is for XXXX. It was charged off and shows consumer deceased on XX/XX/XXXX. I talked to the XXXX XXXX and they just give you the run around and tell you that they are looking into it.
Product: Checking or savings account

On XXXX XXXX, XXXX my Account was compromised by the XXXX XXXX XXXX XXXX. Washington Federal Bank took immediate action againist, the Hotel Manager but, the Hotel Manager has had all the 'laughs ' for the last ( 5 ) Months, And Now the Bank participates in the 'laughs ' as Well. 

1 - Debit Card is not functional for XXXX/XXXX which is, 'crictical ' for Water Supplies without Incident and Injury as well as, USPS Mail Pick-up. 

2 - Policies for Insurance Coverage for " Renters '' and " Identity Theft '' were of ' 'Formal Compliant ' for XXXX, XXXX and XXXX only, covering XXXX Weeks of Renters XXXX and 0 Days of Identity Theft Policies. ( 5 Payments totaling {$75.00} ) 3 - Discrimination in Fair Rent, Discrimination in Fair Credit Reporting, Discrimination in Fair Housing. ( Overcharges {$1200.00}, Losses {$800.00} )
Product: Credit card or prepaid card

Someone used my information to open up a Destiny Credit card under my name
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX, XXXX and all 3rd party unauthorized credit reporting agencies.

Subject : Request for Deletion of Credit Report Dear CFB Experian, XXXX, XXXX and all 3rd party unauthorized credit reporting agencies.

I am writing to formally request the deletion of my credit report due to multiple security breaches and the lack of any active lines of credit under my name. I have experienced five security breaches, including incidents involving XXXX, for which I have received settlements. Additionally, I was affected by a recent credit breach from XXXX XXXX XXXX. 

According to the data breach website, my Social Security number and personal information have been compromised by these companies. Given this information, my credit report should have been locked, and there should be no listings or open lines of credit. I have not had any credit accounts for over five years, and due to health issues, I am no longer driving, further reducing my need for credit.

Furthermore, I request the immediate detection of my credit report to prevent any unauthorized access and the removal of my information from all third-party pre-approval lists. I believe that all three credit bureaus ( XXXX, Experian, and XXXX ) should have refrained from sharing my information without my consent. 

I also request the deletion of any and all unauthorized information on my report, including but not limited to addresses, phone numbers, income, and any charge-offs. It is essential that my credit report reflects only accurate and authorized information. 

Additionally, I want to bring to your attention the recent lawsuit settled in XX/XX/year>, which held credit reporting agencies accountable for mishandling consumer data. This settlement further underscores the need for the protection of consumers ' personal information and reinforces my request for the deletion of inaccurate information from my credit report. 

Please be advised that under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the deletion of any inaccurate or unverifiable information. Failure to comply with my request may result in a fine of up to {$1000.00} as stipulated by relevant laws.

I kindly ask that you investigate this matter and provide written confirmation of the deletion of my credit report. Please let me know if you require any additional documentation to support my request. 

Thank you for your prompt attention to this matter. 

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

Remove all non account holding inquiries I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. 
This is a violation of the Credit Reporting Act Section 1681 ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The inquiry was not authorized ( XXXX XXXX ). Date of inquiryXXXX The inquiry was not authorized ( XXXX XXXX XXXX Date of inquiry XX/XX/year> The inquiry was not authorized ( XXXX XXXX ) Date of inquiry XX/XX/year> The inquiry was not authorized ( XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of ITEMS which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

RE : Inaccurate Late Payment Reported Inaccurately Inaccurately Reported Account : XXXX XXXX  XXXX Under the CARES Act, if you had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the XXXX pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning XXXX was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, you may have grounds to dispute the late payment. The account is opened last XX/XX/XXXX, and protected from being reported as delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to the CARES Act. Thoroughly investigate and update with lawful accuracy. 
This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. Please reverse the late payments under the CARES ACT. 
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. Thank you for your urgent attention in this important matter.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligations Under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. Theses failures align with my experience, where Experian has neither correct nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate.

But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report Did you interview my neighbors? Did you interview my friends? How did you talk to? 
I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same Information.

One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.
Product: Debt collection

I get multiple calls a day by this company and they are trying to collect a debt that is not real. XXXX cancelled our services without notifying us and expect us to pay for a service that we did not receive. They have provided no proof of debt and keep calling me EVERYDAY and sending letters in the mail.
Product: Credit card or prepaid card

Redemption of miles shown for charge never made. Company refuses access to credit card account and replacement of card never received, including change of address to receive account documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and capital one auto financial and they have not cooperated with providing me with a letter to remove the hard inquiries that are on my consumer report. I explained to them that I did not give them any authorization to run my credit and they denied not having to provide me with a letter to submit to the credit bureaus for me to dispute these inquiries. 


XX/XX/23
Product: Credit reporting, credit repair services, 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. 
NONE XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I have tried to contact this company multiple times and filed dispute with the credit reporting agencies and have not gotten anywhere. Whenever I have called I reach someone that I have a communication problem with and they are not able to help me. They put me on hold for long periods of time and calls are constantly being disconnected.
Product: Debt collection

They have called me 15 times in the last 4 days XX/XX/XXXX : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX ( at the time of submission, trends dictate there will be at least 1-2 more calls tonight ) : XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Reporting information on a consumers credit report without their written consent is identity theft. 
I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company to block and remove the report no later than 4 business days. After such information I have provided. INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

From XX/XX/XXXX until XX/XX/XXXX I was promised a locked in interest rate. I was then told my d t I was too highly to qualify for XXXX XXXX but I could shift my car debt to my son to move things along. I was then told this was not an option and my locked in rate was gone and I would have to pay all closing cost. I have been temporarily staying in Texas because I ran from the XXXX in Florida. I told my lender this and he is trying to say I am living in Texas and therefore can not take possession
Product: Checking or savings account

Roosen Varchetti & Olivier XXXX XXXX XXXX XXXX XXXX Michigan XXXX. Garnished {$350.00} from my checking account. My credit union charges me {$100.00}. It was not authorized and no prior knowledge was given. I have no contract with this firm. In XX/XX/2020 they garnished my state income taxes as well.
Product: Debt collection

I was issued a tax warrant by the Indiana XXXX XXXX XXXX. The verification stated that my debt had to be turned over to a collection agency called United Collection Bureau ( UCB ) and could include wage garnishment or a bank levy. I have XXXX different bank accounts in my name. Community Wide and XXXX XXXX. XXXX I use for saving and the other is to pay bills. On XX/XX/year> I saw that XXXX was taken from my account for a stated tax lien. When I went on the XXXX website I saw that the posted on XX/XX/year> and updated on XX/XX/year>. On Friday evening I went to check the balance on my XXXX account and it was in the negative for close to XXXX. So when I went to the branch that Saturday to inquire why my account was negative that much and they stated that a lien was placed on my account. I then proceeded to show the teller that the monies already came out of an account back on the XXXX and I no longer owed that debt but unfortunately since it was a State lien that they could not release without verification from UCB. So on Monday morning I called UCB to complain because now all the bills that I tried to pay have been rejected and my bank charged me a XXXX legal fee to process the tax lien. Because I did call and complain they faxed over the information to XXXX so that the lien could be released. I did ask to file a complaint with the company because I feel the same way that the information that was faxed over that day should have been faxed over on XX/XX/year> information to the bank. When I spoke with XXXX XXXX regarding my complaint basically in a nutshell the company is not accepting any responsibility for this miscommunication. The agent ( s ) that I spoke with at UCB were able to tell me both the name of both bank accounts that the lien was sent to so it was in their system. If I as a consumer never would have contacted UCB then that lien would still be on my account. I feel the UCB dropped the ball in this scenario because like I stated previously the same way they were able to fax over the documentation to XXXX today to verify that there in no lien, should have been done XXXX weeks ago when the debt was satisfied. When I spoke with XXXX XXXX and asked why she stated " they don't know if I have an account with the bank so I as the consumer should have contacted UCB to let them know I had another account. '' Why would I do that especially if the debt was paid. This situation is no different then a wage garnishment. Once the debt is paid the garnishee send verification to the payroll department so the the garnishment stops. So why did it take the consumer to call and complain just to get verification sent over that a debt was paid off over XXXX weeks ago. CFB dropped the ball and I feel they should be responsible for reimbursing me the XXXX legal fee that my bank charged me to process a lien that was already satisfied and did not need to be processed. I do not wish to speak with XXXX XXXXXXXX again because this matter to me is above her at this point. UCB needs to accept the responsibility and realized they dropped the ball on this matter.
Product: Debt collection

XXXX XXXX sold my debt to I c system the debt collector is trying to charge me the wrong amount about XXXX $ more than what XXXXXXXX has records I owe. The debt collector is trying to charge me money to dispute their mistake. I don't think its fair to overcharge someone let alone refuse to dispute the amount without getting paid to correct their mistakes this happened XX/XX/year>.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on M J ALTMAN COMPANIES I ( Original creditor XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submittin this Follow up Complaint to the most recent CFPB complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File. I was a victim of identity theft as my personal information was used to open these accounts wihout my knowledge nor permission. I have made a lot of research and found that under the Federal Law, Fair Credit Reporting Act section 605b, the Credit Reporting Agencies, you, are required to remove any accounts and information that resulted due to identity theft. I have heard a lot of news nowadays that identity theft has become rampant causing many consumers to have unknown accounts and information under their name without such knowledge. I am requesting you to remove the fraudulent accounts and information being reported on my Credit File that have greatly impacted my Credit Score. Here is the list of the fraudulent accounts anf information that should be removed off of my Credit Report : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXXXXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please remove the disputed accounts and information off of my Credit File as soon as possible. In the event you conclude that the disputed accounts and information belong under my name, please send me any documents proving such claims. In the event that you find no signed agreement, immediate deletion of the disputed accounts and information will be greatly appreciated.