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

I recently discovered that my credit report includes incorrect personal information, which is resulting in the appearance of accounts that I do not recognize and have no association with. This situation is deeply concerning and is causing unnecessary complications in maintaining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an inaccurate address and name for me. 
I never lived at XXXX XXXX XXXX XXXX VA, and my name is NOT XXXX XXXX XXXX. 
I have disputed this and it is still on my credit. 

XXXX is also reporting an invalid name on my credit report. My name Is NOT XXXX XXXX XXXX I have disputed this already and they are still on there. It is affecting my financing and needs to be fixed asap
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 168b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that the reporting agencies didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello dear staff : On XX/XX/2022, my family and I participated in the token sale of Coinlist. The token project is : XXXX, and I deposited XXXX to Coinlist. But Coinlist refused to distribute the tokens to me on the grounds that I had provided a duplicate recipient address, and refused to refund me. I submitted a payment address to my family, which is easy to manage, which is incomprehensible. It is no different from robbery. There is no organization in the world that would rob a customer 's assets for such a stupid reason. This is a serious violation of the law. Due to the impact of the epidemic, my family and I lost our jobs last month. This money is very important to our family. I hope you can help me recover the XXXX, thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX  XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX  XXXX F - Account : XXXX
Product: Credit reporting or other personal consumer reports

accounts that appeare on my credit report are due too the equifax data bearch please see attached report from equifax showing ive been affected please see FTC report for idenity theft
Product: Credit reporting or other personal consumer reports

Dear Transunion To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX different accounts that I already paid in full in order to be removed from my credit report and the account still shows in my credit report as a cero balance. I need those accounts removed from my credit report. now I am trying to buy a house and these accounts that are paid still show as a negative item.
Product: Consumer Loan

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Product: Mortgage

In reference to new loan terms effective XX/XX/2020 for HELOC, US Bank has confirmed on XXXX, XXXX, 2020 due to their internal processing issue an escrow account was not established on this account until XX/XX/2020. Causing a larger payment due XX/XX/2020. This started the multiple errors, inconsistencies, and misinformation by US Bank. In a letter/response by US Bank dated XXXX XXXX XXXX, They claim a past due balance of {$720.00} occurred for principal and interest and additional late fee assessments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that US Bank advanced payment in this amount and waived all late fees. 
On XX/XX/2020, an 8-page billing statement reflected principal, interest, and escrow reallocations of all my payments. This information is inconsistent with the history statement provided by US Bank dated XX/XX/2020. The reallocations of all payments, clearly showing the inconsistencies with the principal balance as well as periodic daily interest charges. This affecting the periodic daily interest that is assessed based on the principal balance is on the day lived in the home. One example ; the periodic daily interest rate is .00956 % and on XX/XX/2020, with a principal balance of {$65000.00} for 30 days of interest ( for XXXX ) the amount charged was {$69.00} yet on XX/XX/2020, at a principal balance of {$65000.00} for 31 days of interest ( for XXXX ) the amount charged was {$310.00}. This is only one example of the multiple errors & inconsistencies made/reflected with the accounting, payment allocation, payment reallocations, and incorrect interest being assessed/charged to this account.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am making this complaint without any third parties. XXXX has violated my right as consumer under there fair credit reporting act 15 use 1681b be furnishing information without the consumers consent or a court order. They have provided false and misleading information of these accounts being verified with no evidence see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXX : XX/XX/XXXX ; XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached notarized Affidavit of Truth informing Equifax of my intent to sue due to negligence, statutory, and punitive damages. I have been trying to remedy this account for over 9 months. Attached is the credit report showing the inconsistent data. I have all dispute letters, cfpb complaints, and documentation for my case. I also sent in proof that the account was never late which I will have readily available for court. I was denied credit due to this faulty reporting and I can legally seek statutory damages up to {$1000.00}. XXXX lowered my credit limit due to your inaccurate reporting which I can prove as well. Also, please see the XX/XX/XXXX report and the XX/XX/XXXX report where Equifax removed the late payment from XX/XX/XXXX and put it to XX/XX/XXXX. The car was paid off by XXXX of this year. Another violation where I have proof of this negligence. If the late payment is not removed from account XXXXXXXX XXXX XXXXXXXX, I will move forward with filing a statement of claim in my state.
Product: Credit reporting

I provided a case dismissed report for this XXXX account to the credit reporting agency and they still refuse to remove the item from my credit report, it is also listed as a collection account for XXXX XXXX XXXX, Complaint Status : DISMISSED ( RULE XXXX ) Status Date : XXXX/XXXX/XXXXFiling Date:XXXX/XXXX/XXXXAmount $ XXXXXXXXLast Activity Date:XX/XX/XXXX.
Product: Mortgage

I lost my job and subsequently lost my wife and pretty much gave up on life, my home is now in foreclosure- I listed the property and they got an offer immediately and it was sent over to Selene Finance XXXX XXXX XXXX. The agents then sent over the paperwork from me on XXXX XXXX that Selene requested and now they are saying they didn't have enough time to complete a short sale due to the 37 day rule but the offer was sent in on the 37 day out from the sale. 
I want the sale pushed back so we can get this taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

I have a public record from your court appearing on my credit report. Ive disputed the item with the credit bureaus XXXX, Equifax, and XXXX all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

XXXX. XXXX  XXXX Bankruptcy Im not sure what Legal Authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow, or share any public information with you. Youll need first- hand knowledge because theyre the primary creditor! Remove the report and update it with a new one. 

I have previously disputed this item with you XXXX XXXX Bankruptcy case and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Product: Debt collection

I opened an account with Badcock on XX/XX/year>, and consistently made my payments on time every month. However, in XXXX, when I attempted to make a payment, the online portal displayed an error message saying " not found. '' Then, in XXXX, I started receiving calls from different 800 numbers. The callers were extremely rude and demanded my credit card information over the phone. When I asked who they were, they refused to identify themselves and even hung up on me multiple times. I was transferred repeatedly, yet never got any clear answers. 

This frustrating situation continued through XXXX and XXXX, and now into XXXX. Eventually, after being transferred five more times, I ended up speaking with someone who inexplicably sent me to XXXX a company I have no connection with. He provided me with an account number, but when we attempted to log in, it didnt work. When I asked for his company details and requested written confirmation, he also hung up on me. 

To make matters worse, my account was reported to the credit bureaus as delinquent, which is completely unfair. I had no way to make my payment because every portal, link, and phone number I tried was either broken or unresponsive. I even called the number listed on my credit report for the reported debt, only to find that it had been disconnected. 

On XX/XX/XXXX, I finally received a letter from Badcock Servicing regarding a tax refund and a request to pay off my debt. The letter looked suspicious, but it included a website link the same website that had been inaccessible for the past 23 months. This time, it worked, and I was finally able to make a payment. 

This entire situation is completely unacceptable. Customers were given no way to make their payments, yet we are being penalized for it. Both companies failed, and now consumers are suffering the consequences. This needs to be reported because it is simply not right or fair.
Product: Credit card

On XXXX XX/XX/year>, my husband and I were victims of identify theft. 

We experienced delivery packages worth thousands of dollars arriving at our front door from XXXX, which we absolutely refused to accept and were immediately reloaded onto the truck XXXX. XXXX corrected the purchases, merchandise was accounted for and all was well. 

However, a package arrived from Macys. It wasn't ordered by us. Once again we had the carrier open the package. It was a pair of women 's boot worth {$380.00} charged to my account. I refused the package and the postal employee returned it to Macys. 

In XXXX we notified XXXX, XXXX, and XXXX of our situation, We contacted XXXX on three occasions after receiving their letters informing us if this isn't paid they will report us to the three consumer agencies, which are all aware of our XXXX situation. 


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Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX 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

Reached out to XXXX XXXX XXXX regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account.
Product: Debt collection

Sent letter saying I would be sue if I dont call to explore options. Wouldnt talk to me so I told them they are in violation and please do not call me
Product: Vehicle loan or lease

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. I the original creditor extended them credit and the alleged interest, and insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law 15 USC 1605. They have committed fraud and several violations of the FDCPA and TILA. I never received a Material Disclosure of any of the information about my right to recission pursuant to 15 USC 1635 that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail and i am now enforcing my rights to Cease and Desist Pursuant to federal law 15 USC 1692c. I've included documentary evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not responded to any of my affidavits of truth since XX/XX/XXXX and silence is acceptance, see National Union Fire Insurance Co. v. Ehrlich, 122 Misc. 682 ( N.Y. App. Div. 1924 ). My reputation has been damaged through the credit reporting agencies, this fraudulent loan raised my debt to income ration and i was turned downed for other consumer credit transactions because of this alleged debt on my consumer report. cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Product: Debt collection

and had a confirmation it went through due to mess up on their end they didn't receive the electronic payment on time and they verbally promised to have that corrected and never did. So in all actuality we only owed them a total of XXXX dollars. Cause again they didn't honor contract and subtract the admin fee from our move in cost. So we officially moved out and turned in keys on XX/XX/year> and still had to go to court for an eviction. They said we owed them {$8800.00}. They have called me several time sometime impersonating a lawyer from XXXX to collect this debt. I've asked them stop the calls and they still call me. They also have contacted my mother my father and my sister about this debt which is all illegal tactics used to get me to pay this debt. They even added late fees to the debt causing the balance to now be {$9300.00}. They have failed to provide us of proof of accuracy of debt and ownership. We do not owe national credit systems. They have caused me to be homeless and I am not able to get any other place to live. They are still harassing me and my family members about this debt and have scared me about litigation and seizing my bank accounts.by fcra laws and violation of them and due to breach of contract XXXX the view of XXXX  displayed I am not liable to pay this debt.