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

Dear Equifax Dispute Department, I am writing to formally dispute the following accounts that have been inaccurately reported on my credit file. These accounts do not belong to me, and I request their immediate removal : XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were reported in error, and I request their removal under the Fair Credit Reporting Act ( FCRA ). Please initiate an investigation and correct this misinformation as soon as possible. 

I would appreciate a written confirmation once these items have been removed. If you require additional information, please contact me at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX XXXX   XXXX  XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau : EXPERIAN CONTINUES TO CLOSE MY DISPUTES and EVEN DENY MY DISPUTES ONLINE. 


PLEASE DO NOT ALLOW EXPERIAN TO CLOSE MY DISPUTE AS I HAVE NOT BEEN ALLOWED TO DISPUTE NOR HAS MY REQUESTS TO BLOCK, ADD A PERSONAL STATEMENT, OR RECIEVE MY CREDIT FILE BEEN ALLOWED. 



I have tried to dispute it online via the paid subscription service I have and via mail. Experian tells me that it APPEARS NOT TO BE ME. Each time added days to the dispute allowing XXXX/XXXX XXXX XXXX TO PULL MY CREDIT FILE WITH THE UPDATED PERSONAL INFORMATION I PROVIDE TO EXPERIAN. FURTHER ALLOWING XXXX/XXXX XXXX XXXX TO VERIFY A FRAUDLENT ACCOUNT IN MY NAME USING MY PERSONAL INFORMATION. OF WHICH THIS INFORMATION WAS PROVIDED TO EXPERIAN TO DOCUMENT AND SUBSTANTIATE MY DISPUTE OF XXXX/XXXX XXXX XXXX AS FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed on my credit report are all more than years old and reflect closed but have not been removed, please see below : XXXX XXXX  - Closed XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX  - Closed XX/XX/XXXXXXXX XXXX XXXX- Closed XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX 2 accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. This is hurting my lively hood and I cant apply for anything. I am demanding that you remove this account from my consumer report In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Ceast & desist Re : Notice to Cease and Desist To Whom it May Concern ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/2022. 
While checking the above report, it came to my notice that your Company has furnished an account on my report. 

In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums.

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately.

This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.

Thank you for your cooperation Sincerely, XXXX XXXX XXXX Beneficiary ALL RIGHTS RESERVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-******************* XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. In my research on how to remove fraudulent inquiries from my report, I discovered the necessity to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file an identity theft report. According to FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. Attached are documents to facilitate the blocking of erroneous information currently posted on my report. The following inquiries, which do not belong to me or were opened without my permission, require your attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX  As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to block any information in the file of a consumer identified as resulting from alleged identity theft, not later than four business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously submitted a complaint to XXXX  MasterCard in regards to them reporting that I was late in that account. Due to corona virus Pandemic my job laid me off. I arranged with mercury cards an agreement for 3 months and was told entering into this agreement they will not report my account as late. They did and my score dropped almost 90 points. I am now uploading the letter they sent me to show proof that this was not to be reported.
Product: Vehicle loan or lease

Nissan Motor Finance continues to report " late '' payments and a balance after the debt was discharged through my husband 's bankruptcy which was discharged XX/XX/18. XXXX. This information has been repeatedly disputed via the credit reporting agencies to no avail. This reporting is illegal. 

As well lender is not reporting sale amount against total amount due. No late payment reporting is appropriate as US Bankruptcy protects the spouse of the person who was discharged.

Only proof of the BK was attached to Nissan Motor 's response. Further action will be taken if not resolved at this time.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Checking or savings account

I was transitioned from SunTrust Bank where I banked for over 20 years to Truist Bank in XX/XX/XXXX as part of their merger. I paid my monthly bills through SunTrust using XXXX for most of that 20 years without SunTrust charging a fee. After the merger Truist shut off my use of XXXX unless I paid a monthly fee of {$7.00} so I started using the Truist Bank bill pay service. One of the bills that I pay quarterly through the Truist Bank bill pay service is my quarterly property tax. I have it listed in the Truist Bank system to pay the City of XXXX, VIRGINIA. I get on line with Truist Bank after the payment date to confirm the payment was made. On my statement, the payment shows just as XXXX, it does not show VIRGINIA. However in the bill pay planning section it shows as XXXX, XXXX. 
I then contact the City of XXXX, VIRGINIA each time to confirm that they have received the payment and after confirming I go into the Truist Bank bill pay planning system and manually change the transactions from XXXX, NEBRASKA to XXXX, VIRGINIA. 
Ive been to a nearby Truist Bank branch three times and have lost count of the number of times Ive been on the phone, getting transferred around trying to resolve the issue. There have been two different service requests created ( ticket # XXXX and ticket # XXXX ) to fix the issue. I just paid my quarterly property tax XX/XX/XXXX and the problem still exists. This has been going on for a year now. Dealing with customer service at Truist Bank has been an exercise in frustration.
Product: Checking or savings account

I opened a checking account and a safe box someone sent a fraud garnishment, a spoof that they were with the State Board of Equalization after they tapped my phone and watched me go their the bank gave them more than {$2000.00} cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was offered a settlement agreement beginning in XXXX, XXXX through XX/XX/XXXX with six payments of {$170.00} ceasing in XX/XX/XXXX. MY understanding from the representative, XXXX ( credit specialist ) that the NEW agree would override the OLD account and would be REPORTED with the UPDATED settled amount which was paid out. XXXX has FAILED to report my payments as POSITIVE and settled. She/CONNS also continues to put NEGATIVE marks on my credit in which shows negative on my credit to OTHER* creditors. There should not be ANY and I mean ANY remarks on my credit after XX/XX/XXXX with my last payment to CONNS on that date XX/XX/XXXX. PLEASE have them to back date and remove ALL and EVERY NEGATIVE remark fromXX/XX/XXXX-XX/XX/XXXXXXXX XX/XX/XXXX, XXXX Documentation has been sent. I have disputed this but of course everybody plays games. This seems like a DISCRIMINATIVE issue and it NEEDS to be RESOLVED ASAP. 
XXXX @ CONNS # ( XXXX ) XXXX OR CONNS Direct # ( XXXX ) XXXX Thank you, XXXX XXXX XXXX XXXX ) XXXX Leave messages at both XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was contacted by this person that claimed he had purchased my loan from another company in which I had been paying on for over 6 months by auto draft from my account. This guy proceeded to tell me that he needed me to give him my account information so that he may continue to draft payments from my account. Needless to say I refused to give my information out over the phone and since then he has continued to harass me, calling constantly XXXX times daily. He has also contacted my sister and my mother which is unacceptable. Is there anything that can be done about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting the CFPB regarding my Comenity Bank/XXXX XXXX account , which was included in my bankruptcy filed on XX/XX/XXXX, and XXXX on XX/XX/XXXX. As this debt was legally discharged, it should not reflect a balance or past-due status on my credit report. 

On XX/XX/XXXX, I filed a dispute with XXXX regarding the inaccurate reporting of this account. XXXX responded with the following statement : * '' We have researched the credit account... The results are : The following fields have been modified : * - *Additional Information* - *Date of Major Delinquency First Reported* - *Historical Account Information* '' The **balance amount** and **amount past due** are still incorrectly listed. Additionally, the **date of first delinquency** was changed to XXXX XXXX, XXXX, which is 13 days before I filed for bankruptcyan inaccurate and false entry. The account status also remains ** '' charge-off, '' ** which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that this account be updated to accurately reflect its discharged status, with a {$0.00} balance and no past-due amount. Please correct this error promptly and provide written confirmation once the changes have been made. 

If this issue is not resolved, I may need to escalate the matter further. Please let me know if additional information is required to facilitate this correction. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate information the following accounts date last active is incorrect I notified the company via postal mail on XX/XX/XXXX the company has responded that all information remains the same and I disagree there reporting in accurate information according to 15 U.S.C 1681 XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a consistent victim of identity Theft. I have lost years and hours and a lot of money and time trying to fight The false information on my report. I've had multiple credit cards used on my report opened in my name, loans, phone bills and internet bills used in my name. I've recently had multiple inquires used in my name and false accounts opened in my name with no information on who and how. 

Pursuant to section 605B of the Fair Credit Reporting Act, it is by law which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Below are the accounts listed have been sold to multiple debt collectors with my stolen identity information. I Have attached my identity theft report. Below is the information, inquiries and addresses listed which incorrectly appears on my credit report that needs to be removed and blocked from my credit report : For XXXX : XXXX : {$290.00} XXXX XXXX : {$300.00} - Account : XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX Transunion : XXXX XXXX : {$650.00} Account : XXXXXXXX XXXX XXXX : {$210.00} - Acct : XXXXXXXX XXXX : {$180.00} - Account : XXXXXXXX XXXX XXXXXXXX : XXXX : {$290.00} XXXX : {$1800.00} - Acct : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$120.00} XXXXXXXX XXXX XXXX XXXX : {$240.00} - Acct : XXXX Fraudulent Openings used in my identity : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX,
Product: Mortgage

We have a portfolio loan from newrez.com Our regular payment were {$4900.00} on XX/XX/XXXX and before. 

On XX/XX/XXXX they changed the payment to {$6200.00}. 

They stated that the payment change was because they had miscalculated escrow and had a negative balance to make up for because of that. 

They stated they were going to make up for the balance with the larger payments for 1 year. 

I stated since this was not our fault and was likely going to cause financial hardship to please spread the payments over at least 2 years or more. 

They stated they could not. 

Around XXXX $ of those monthly payments are our reserves for XXXX XXXX Funds. We use them often to help pay for the improvements on the home. They have now recently tightened their rules on that making it more difficult to access those funds stating the contract doesn't allow for improvements like paint / drywall, stating that our receipts aren't enough and need to include every detail possible not just the work done ( our receipts typically just show work done as the people doing the work are in house ). 

This is furthering making it extremely difficult to make our monthly payment. Our homes are multi units mostly so their is times when we don't make as much and could miss the payment. 

We also submitted the last draw request for this on XX/XX/XXXX to be completed on XX/XX/XXXX after our monthly payment went through. The contract says it should handle in 5 business days and they did not get back to us until yesterday on XX/XX/XXXX telling us they could not dispurse our reserve funds from the draw request on XX/XX/XXXX. They stated first that the draw request couldn't be done bc of " tenant damage '' claim which was the draw request I sent that on that day ( XX/XX/XXXX ) not XXXX XXXX Then I explained this claim I was asking was from the draw request back in XX/XX/XXXX and they then said bc it had " paint and clean '' on there plus no specifics like how many square feet were done on the floor that they could not process it. 2 months after I submitted when the contract says " 5 business days ) Also, we had been submitted draw requests like this for years with no issue and they then stated well " they were likely wrong '' and couldn't do it like that anymore. 

They are not working with us at all to resolve this at a time when they change in monthly payment had nothing to do with us and only their own errors.
Product: Mortgage

Planet Home Lending XXXX {$1800.00} I had a payment returned from my XXXX XXXX account on XXXX from Planet Home Lending. Later that day I resent the payment from my XXXXXXXX XXXX  account, the payment went through with no issues. Planet home lending stated they didn't receive the payment. I contacted XXXX XXXX  and ask them to look into it, and they did. They reported back the payment went through without fail. After weeks of back and forth with Planet home lending, no inquiry was done on their part they just advised me to make another payment to stay current. I went back to the back to asked what can they do to help, they stated they could pull the payment back. We did so and planet home lending removed a pass payment from my account. The bank didn't understand because they pull a specific payment back. XXXX XXXX stated that's all they could do in this matter. I made the payment, it went through on the banks end but planet home lending still states they never received the payment and I remain a month behind in my montage.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2300.00} XX/XX/XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$15000.00} XX/XX/XXXX # XXXX XX/XX/XXXX -- {$310.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$670.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$790.00} XXXX XX/XX/XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XX/XX/XXXX # XXXX XX/XX/XXXX -- {$1100.00} UNAUTHORIZED INQUIRIES : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX