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

I am writing to formally file a complaint regarding my persistent efforts to correct a late open accounts on my credit file with your agency. Despite numerous attempts to address this issue, I have been met with continuous challenges and an unresponsive resolution process. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open account remains on my credit file, affecting my creditworthiness and financial stability. 

I respectfully request the following actions to be taken promptly : A thorough investigation of the late open account in question, including validation of the information with the creditor. 

If the account is found to be inaccurate, the immediate removal of the late open account from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit file, once the issue has been resolved. 

A detailed explanation of the actions taken and the outcome of the investigation. 

I urge you to address this complaint as a matter of urgency. I understand that resolving such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your immediate assistance to correct these late open accounts : XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX : {$15.00}.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and I seen that XXXX XXXX XXXX  ( code : XXXX ) credit my account in the amount of {$8400.00}, but that account shouldnt be on there! 



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 agency can not furnish an account without my written instructions.

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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXXXXXX XXXX breach. I want these items, delete it from my credit reports as you can see the CAPB actually deleted them because I was a victim of this data breach. 
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

list of all the negative accounts from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified an accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the bank related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. 
I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 
ACCOUNTS : XXXX CARD XXXX and XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my report. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law. I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust accordingly the XXXX  XXXX XXXX Balance : {$260.00} - Late Date XX/XX/22 [ 30days ] to my credit report.
Product: Mortgage

Thank you very much for reviewing my complaint and for your help in this matter. On XX/XX/2022 I contacted Mr. Cooper mortgage company and spoke with a customer service representative regarding my PMI. I informed the the rep that I would like to pay my principal to below the threshold of loan to value so that I could remove PMI per the Homeowner 's Protection Act. I was informed that I would have to make the payment XXXX and then after the payment was made they would initiate a process to determine whether or not they would remove PMI from my loan. Obviously that was not an option for me considering the payment I would be making is tens of thousands of dollars. I reported my unhappiness with this result and was contacted again on XX/XX/2022 by a supervisor. She told me that the information I had received was correct and then proceeded to try to convince me to refinance at a much higher interest rate than my current loan to remove PMI. I informed her that I was aware of the interest rates that are currently in the market and had done my research regarding the Homeowner 's Protection Act. I told her that I would be doing whatever I could to remove PMI from my current loan regardless of the policies that she told me are in effect. She informed me that that would not be possible that their policies required the payment upfront and then they could initiate the process to review my loan and determine if they would remove PMI even though my loan to value ratio would be well below the 78 % threshold. I even offered to sign an affidavit to guarantee that I would put the aforementioned money towards my principal if they would initiate the process XXXX and let me know if they would be willing to take the PMI off after the payment is made so that I did not put down a large chunk of money without receiving the outcome that I wanted. I was flatly denied. Please help!!!!
Product: Credit reporting or other personal consumer reports

Ive requested multiple times verbally over the phone and in writing to remove all dispute verbage and comments from accounts. Ive been trying to achieve this for several months with no success and this is keeping me from obtaining a home loan. XXXX, XXXX and Transunion
Product: Credit reporting

I have several addresses that come back on my credit report that I have never resided. I have written in a description, Also my middle name is spelled incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX # xxxx, XXXX XXXX XXXX # xxxxXXXX XXXX XXXX # xxxx and XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  # xxx has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without 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 ). States 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing this because I am a victim of identity theft, and I am demanding that all inaccurate and incorrect information included on my Identity Theft Report and this complaint be removed. I submitted a complaint to the Federal Trade Commission already with no response. Based on my knowledge of the FCRA, 15 USC Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer information that resulted from an alleged identity theft, not later than 4 business days after the date. 

Because of this law, ExperianXXXX  and XXXX are currently in VIOLATION of this law and are required to delete all negative items detailed in this report and/or pertaining to a dispute via their portal. As a result of their negligence Ive since been denied for new lines of credit, services etc. This is a directly affecting me and costing me more money and time.
Product: Money transfer, virtual currency, or money service

I purchased a vehicle from a dealership and financed through BB & T. The sale included a rebate. When I received the rebate check ( Check # XXXX for {$5200.00} dated XX/XX/21 ), I noticed it was drawn on the same bank ( BB & T ). When I took the check to the BB & T branch in XXXX XXXX, TX., to get it cashed, I was told I would be charged an {$8.00} check cashing fee. When I explained to the teller that I was a customer and had a new automobile account with BB & T, she told me it didn't matter and only deposit account holders were exempt from the fee. When I asked to speak with a manager, the teller told me the manager was not present at the branch today.
Product: Debt collection

Never received letter from debt collector and found out about alleged account via credit monitoring service. I called to request validation and was hung up on. I sent a validation request as soon as I learned of account via regular mail and never received a response. I re-sent the letter again both via regular and certified mail ( 30 days after original mailing and no response ), confirmed that they received it, and have not received a response for well over 30 days after receipt of second, certified request. Debt collector is in violation of the FDCPA and I reserve all rights to seek damages under the FDCPA, for defamation of character, and all other avenues available by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job due to my XXXX and I could not pay my auto loan since XXXX. According to my credit report the loan are still active. XX/XX/XXXX the account was opened and is purchase in MN from XXXX XXXX. According to MN the statue of limitation for auto loan debt is XXXX years and XXXX keeps reporting it as a current loan and it keep saying derogatory. 
I am still disable and trying to catch up and pay my old bill, I have not been driving a car since XXXX when the credit company keeps reporting negative feed back from my history. From XXXX my credit is score is XXXX and currently have XXXX and trying to rebuild my credit to get myself a car for my transportation to get better for my XXXX. 
I do not know what to do anymore.
Product: Debt collection

I have been arguing with Transunion for 3 months now trying to remove all fraudulent information from my report. I have submitted documentation multiple times and and spoken to multiple reps explaining that my identity has been compromised. However, they still refuse to remove items from my report. This is in violation of section 605B of the FCRA law, that protects me as a consumer. I have also submitted paperwork to the creditors listed on my paperwork to now avail.

My identity was stolen by someone who is not benefiting from my personal information and I am the one who is left to pay the charges.

Please have the accounts listed on my report removed pursuant to section 605B of the FCRA and send all needed notification to the furnishers.
Product: Credit card

I am the victim of identity theft. A target credit card was opened in my name. I could not get ahold of any person from target to assist me. I emailed their fraud reporting and never heard anything back. I am requesting them to close the account and for me to not be held responsible for the fraud account
Product: Checking or savings account

I use PayPal, I also have account with Synchrony. Synchrony contacted me last year I believe XXXX, XXXX. They informed me my account was hacked they closed it issued me a new card. After that i paid card off, fraud and all i wanted nothing to do with this bank. They advertise 2 % casg back on everydollar spent but you dont see it after 2 months. They said paypal was responsible, I contacted paypal to inquire about it the person became rude gave me no explanation. I asked for my account to be closed, and that I no longer want to deal with them. They refused to close my account and told XXXX, were I use to shop I committed fraud. I haven't been allowed to shop there any more with out giving them my banking information which I will not do. There other personal things on my statement that's not there business. I have an XXXX credit score, I'm XXXX yr old a veteran suffering with XXXX and can no longer deal with this company on my own. I'm asking for your help, guidance. 
XXXX XXXX XX/XX/1950 XXXX XXXX XXXX XXXX XXXX PA XXXX. 
XXXX
Product: Debt collection

Erroneous collection popped up on my XXXX report PLAZA SERVICES  XXXX XXXX XXXX XXXX LOW COUNTRY CREDIT ON MY XXXX REPORT
Product: Credit card or prepaid card

purchase appliances in home depot through home depot credit card on as 24 months interest free but forgot to payoff the balance within 24 months- Interest of entire purchased amount for 24 months was posted on account. 
Ending Balance was XXXX - posted for 24 months interest {$1100.00} with new Total - {$11000.00} on credit card statement. Try to call couple of time customer service but no use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters this company asking them to remove information they are reporting on my credit report that i did not aurthorize or do not know. they continue to respond they need 60 days but the FCRA states thatits only 30 days but they been continue to speak that evertime i send proof XXXX show how this company continues to violate my consumer rights.Comlain # XXXX the same results over and over.
Product: Vehicle loan or lease

Vehicle was totaled on XX/XX/XXXX and reported to Credit Acceptance CORP to pick up the car. It was placed in storage and sold from storage depot on XX/XX/XXXX XXXX Credit Acceptance CORP was notified of this in XXXX and has failed to remove the car from my credit report and has charged me each month for over 3 years. I have tried to settle this by asking for a pay and delete and have been unsuccessful at this time I am asking for the report be removed. Prior to the wreck I was never late on payments and this happen right before I lost my jo due to covid. I requested covid relief in XXXX as well. I spoke to the repo team giving the vin so they could find the car and Credit Acceptance CORP has been unsuccessful with taking care of this.
Product: Checking or savings account

Fraud Activity on my Wells Fargo Debit Card, Now my account is negative XXXX. 

These are all unauthorized and i have no idea how this happened. 

Never had a problem with Wells Fargo before, my card was used without my permission Transactions going to XXXX and ATM WITHDRAWALS., Fraud Deposit into my account as well
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2024 National Credit Adjusters XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  Subject : Dispute of Debt Collection Activity Dear Sir/Madam, I am writing to dispute the debt collection activity related to the alleged debt referenced XXXX currently being pursued by your agency. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specificall

y 15 USC 1692c ( c ), I am exercising my right to prohibit communication with third parties regarding this debt, except as allowed by law. According to 15 USC 1692c ( c ), debt collectors are prohibited from communicating with third parties, except for the purpose of acquiring location information about the consumer. I assert that any communication with third parties regarding my debt violates this provision of the FDCPA. Therefore, I request that all communication regarding this debt be directed solely to me at the address provided above. Additionally, I demand that you cease any further communication with third parties concerning this matter. Please be advised that failure to comply with the FDCPA may result in legal action being pursued against your agency. I expect a prompt response to this dispute letter confirming your compliance with my request.
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to the XXXX bankruptcy court on XX/XX/year> seeking confirmation about the reported bankruptcy, and received a letter dated on XX/XX/year> stating they do NOT furnish any consumer data to XXXX or other credit entities. 

I also sent 3 dispute letters to XXXX citing the inaccuracy and requesting investigation/removal based on the court 's response. Plus asking for information that they have they sent me a letter back with another name on the bankrupcy that is not mine also. I sent notrized affidavits also. 

I also sent XXXX a letter documentation of contacting XXXX directly inquiring about their records, but received no response. 

XXXX responded claiming the information came from XXXX, despite XXXX XXXX failure to validate or deny the report to you directly as the natural person creditor. 
XXXX has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it.
Product: Credit reporting or other personal consumer reports

Second Dispute of Unauthorized Late Payment Reporting for XXXX Auto Account ( # XXXX ) ** Dear TransUnion, I am writing to formally dispute the late payment entries on my consumer credit report regarding the account XXXX XXXX  ( Account # : XXXX ). On XX/XX/XXXX, I submitted a dispute regarding two late payments recorded for XX/XX/XXXX and XX/XX/XXXX, which I can confirm were both paid on time. Unfortunately, despite my request, your agency has failed to provide the necessary documentation to support these claims. Your response of no change needed is unsatisfactory and a clear failure to comply with my lawful request. 

In accordance with 15 U.S. Code 1666b, I am again requesting the following documentation : The periodic statement for each alleged late payment. 
The tracking number proving that each periodic statement was delivered to me at least 21 days before the respective payment due date. 
As previously stated, I expect this documentation to be provided as part of your investigation into the accuracy of this information. TransUnion has failed to comply with my initial request, which was in full compliance with my rights under the Fair Credit Reporting Act ( FCRA ). I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), case # XXXX, regarding this issue. 

This letter serves as a second attempt to resolve this matter and demands that you conduct a full and thorough investigation into the accuracy of these late payment entries. In accordance with Section 611 of the FCRA, your agency is required to ensure that the information in my credit report is accurate and complete to the maximum possible extent. 

Additionally, the reporting of this information appears to violate 15 U.S. Code 1681b ( 2 ) as it was done without my written permission. I request a copy of the written authorization bearing my wet signature that allowed this reporting. 

Furthermore, I affirm that I did not authorize the reporting of this information to your agency. Therefore, under Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation and written confirmation that you have completed this investigation, including the names of the entities you contacted to verify the accuracy of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bank has violated law 15, USC 1681. I have tried several times to dispute this information as XXXX, Experian, and XXXX have failed to report accurate and complete information which is in violation of 15, USC 1681 in the attachment below I will include my original complaint as well as the information. Experian has sent me back and the required documents they are requesting for in which I am also having an issue uploading to their portal. 
Original complaint XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage loan back in XX/XX/2020. I authorized MTH to obtain my credit score. It was obtained and used correctly. On XX/XX/2020, I had a conversation what Mr. XXXX XXXX  regarding approval of a lower child support amount that Mr . XXXX  and I had discussed in back in XXXX. There was absolutely no discussion about any credit reporting or any request to run my credit again. I check my credit report recently and noticed I had an iquiry on XX/XX/2020. This inquiry was obtained WITHOUT my consent. 

I filed a complaint against MTH and this was their response. " Ms. XXXX and Mr. XXXX contacted MTH on XX/XX/2020, to advise that Mr. XXXX child support payment was reduced. At that time, a request was made for MTH to pre-qualify them again. When the request was made, Ms. XXXX and Mr. XXXX authorized MTH to review their credit profile, resulting in MTH pulling a tri-merge credit report that same day. MTH is unable to remove the credit inquires made on XX/XX/2020, as it considered the credit pulls valid pursuant to the authorization provided. MTH and loanDepot is committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused Ms. XXXX and Mr XXXX XXXX. ". 

However, there are multiple errors in this response. First off, I was the ONLY individual who talked to Mr. XXXX XXXX  that day. Second, there was no verbal authorization or any authorization given to pull a credit report. This is fraud.