23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the public record on my personal credit report is reporting completely and accurately. I have asked that all information verified include the complete and full court name reporting the full complete and accurate XXXX XXXX bankruptcy type, account ownership type, attorney name, disposition type, disposition date file date, paid date and settle date. If you are unable to verify any of the information requested, please remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit reports.
Product: Debt collection

Dispute of Collection Account - XXXX XXXX XXXX XXXX XXXXXXXX ) Dear TransUnion Team, I am writing to formally dispute the accuracy of the collection account for XXXX, account number XXXX, which is currently reported as derogatory on my credit report. 

**Details of the Dispute : ** 1. **Inaccurate Reporting** : The account indicates a balance of {$1500.00} and a charge-off status dated XX/XX/year>. However, I contest the validity of this debt. I request that you provide proof of the outstanding amount and any documentation that verifies the legitimacy of this charge-off. 

XXXX. **Lack of Recent Payment Activity** : The account has no documented recent payment activity and shows the last activity as XX/XX/year>. This raises concerns about the accuracy of this account and its continued reporting. 

XXXX. **Impact on My Credit Standing** : The derogatory status of this account is having a significant negative impact on my credit score, limiting my ability to secure credit and affecting my financial opportunities. 

I kindly request that you investigate this matter in accordance with the Fair Credit Reporting Act, and if you are unable to verify the debt, please remove this collection account from my credit report. 

Please send me written confirmation of your findings and updates to my credit report following your investigation. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to show an in accurate public record ( Dismissed CH XXXX Bankruptcy XXXX despite repeated disputes that I have made. They keep saying they have verified the information as coming from LexisNexis. This item was removed from my LexisNexis report in XX/XX/2020. XXXX # in reference is : XXXX removing XXXX case # XXXX from my file.
Product: Credit reporting or other personal consumer reports

Request to Block Information Due to Identity Theft under the FCRA I am writing to formally notify you that I have been the victim of identity theft, which has resulted in inaccurate or fraudulent information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block this information from my credit file without delay.

The relevant portion of the FCRA mandates that credit reporting agencies block the reporting of any information that the consumer identifies as resulting from identity theft within four business days of receiving : 1. A valid identity theft report ; 2. The identification of the fraudulent information on the credit report ; 3. A statement from the consumer indicating that the information does not relate to any transaction they made.

I am confident you will act promptly in accordance with Section 605B of the FCRA to block this information from my credit report. Please send a written confirmation once the information has been blocked.

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

My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I never benefitted from these items on my credit report that have resulted from fraud. I have reported them to the federal trade commission but they are not removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX : XXXX, & XXXX XXXX : XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681 s-3 of this title, any- ( a ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer repost, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- {$610.00}.

Civil liability foe willful noncompliance [ 15 U.S.C. 1681nl
Product: Credit card or prepaid card

I have repeatedly disputed the following charges : XX/XX/19 XX/XX/19 " XXXX XXXX XXXX XXXX   XXXX XXXX AZ # XXXX '' {$60.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA # XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA # XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX XXXX XXXX  # XXXX '' {$19.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$35.00} XX/XX/19 XX/XX/19 " XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$220.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$5.00} XX/XX/19 XX/XX/19 " XXXX XXXX  XXXX XXXX  XXXX XXXX AZ XXXX XXXX '' {$60.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$220.00} Any person that actually looks at these charges can see they are fraudulent. I did not make these charges and their most recent response is they are valid simply because I continued to meet my financial obligation of making my minimum credit card payment. This is laughable. They have not investigated these charges. I contacted XXXX XXXX to notify their corporate that they are fraudulent and they stated they had not been contacted by anyone about these charges. I demand these charges be removed from my account permanently.
Product: Debt collection

{$930.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Portfolio Recovery has contnually reported a XXXX XXXX XXXX XXXX on my credit file that I have not ever opened. I have been in college and this may be from when I was in high school. To this day I am still a student and my parents pay my phone bill so not sure how I have Any thing on my credit at all. I did not do this. I was a victim of multiple breeches and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit cards that had fraudulent activity in them I didnt know because my daughter purse was stolen with her phone as well I reported this to all of my credit cards and none of the have gotten back to me they shut off all my cards witch what happened wasnt my fault and I reported this to capital one, 3 cards there XXXX, kohls, XXXX, these card companies have closed all my cards after I reported they were stolen they didnt reissue them back to me and on my credit re XXXX posted them as closed this can hurt my credit as well as all 3 reports show different things on the and amounts they also have been running my credit over and over so I have so many hard inquiries on my report I would like this matter looked into immediately and fixed soon as possible
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the recent investigation conducted by Experian, regarding the following inaccurate information listed on my credit report, following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then I followed up on XX/XX/year> complaint number XXXX and also I followed up again on XX/XX/year> complaint number XXXX. Experian took very long just to reply each time as verified and accurate while the report was still inconsistent and inaccurate. They refuse to properly investigate and verify the information I presented each time. This is a CLEAR VIOLATION of law 15USC 1681e ( b ) which requires maximum accuracy!

ATTACHED TO THIS MESSAGE IS ALL THE PROOF and evidence of their lack of cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you are doing great! 

I do not recognize accounts in my credit report. Please take a look and let me know what to do with them. I file a report and I hope that this situation will be resolved shortly. These items killed my score and all my XXXX  activities just stopped. Its not fair and I asking for your help here to tell me what to do and how I can remove these fake accounts from my credit report. I am obviously victim of identity theft.
Product: Credit card or prepaid card

On XX/XX/2022, I received suspicious activity email from the credit card company and replied that I didn't recognize the charges and didn't authorize them. 

As the XXXX XXXX credit card statement shows on XX/XX/2022, two charges were made on my card. The first one was for {$220.00} and the second one for {$450.00}. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022, I filed three different challenges on the charges. The company removed the charges temporarily and immediately charge them again. 

They keep charging me and making threats to report the credit companies. 

Every time I try to contact the company no one seems to know about the issue. 

The company has removed the option from the online banking app to file a challenge to the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX, XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602A states I have to privacy 15 U.S.C 1681 section 604A its also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

Transunion removed XXXX collections accounts as well as XXXX hard inquiries on XXXX/XXXX/17. After doing so they reinserted them on XXXX/XXXX/17 without proper notification. That is in violation with the Fair Credit Reporting Act and I am requesting permanent removal of these accounts. I spoke with 2 Special Handling agents and they refused to take responsibility for the error. Nor could they explain to me how it happened and they refused to remove it from my report.
Product: Checking or savings account

I am writing formally file a complaint regarding multiple overdraft fees applied to my account.These fees were assessed despite having sufficient funds available at the time the transactions were authorized.How ever, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds.I believe these practices deceptive and unfair.
Product: Debt collection

On XX/XX/23, I checked my credit score and it had severely dropped. I checked in to why and I noticed a collection for over {$500.00}. After looking in to where the collection came from, I saw that it was a medical office in XXXX  XXXX, Arizona for XX/XX/2023. I have never been to XXXX  XXXX. I am also not XXXX eligible, which the medical office seems to specialize in. I worry that someone used my information because I can not claim this collection.
Product: Credit reporting

Experian Credit Bureau is reporting incorrect information on my credit report for an old account from XXXX saying we are 120 days late as of XXXX XXXX. Last payment they say we paid was XXXX XXXX of XXXX, we never sent any payment to XXXX because this account was included in our Chapter XXXX bankruptcy in XXXX. The loan company at that time was XXXX that we made our payments too, and that we file bankruptcy against in XXXX, The loan was then strip/voided by the bankruptcy courts. This company is reporting false information, and hurting our credit reports. they have been updating with false information since XXXX when XXXX started helping us get our credit reports back in order. Since then we have had nothing but trouble from XXXX.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXX.Confirmation of corrections made to the disputed items. 
XXXX.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX ) account # 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 ; also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( XXXX ). ( A ). 

XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX XXXX XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting la late payment. Equifax has it as 60 days on XX/XX/2022 and both XXXX and XXXX has it as 30 days in XX/XX/2022. Please see the attachments. This is an error. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have called paid off the balance on this account and they are just being petty and stubborn. This is against FCRA. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. I would rather you all delete the account now. Though it will hurt my average account age. Its better that, than you all keep inaccurately reporting late payments on an account that was never late and has been paid off. I don't ever want to do business with them because of how they took advantage of customers during COVID. They are not supposed even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting look going is just wrong and illegal. I am suffering because your personnel or the systems you use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights!
Product: Credit card or prepaid card

I am writing now in wish to receive your help. Currently I am working on reviewing my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important role in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am writing this to have this remark took back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time or it was dropped in the wrong address.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I found that the removed items was very few. And this complaint was one of my many attempts just to fix my credit record and history. As you can see there were still a lot of fraudulent items present in my credit reports. Please as per FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. But until now only few items were removed so please help me remove these items 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 -EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Regarding Wells Fargo Mortgage I was injured at work on workers comp for several months. Unable to make mortgage payment. Granted forbearance for XXXX months. I inquired as to what would occur when I returned to work. Told I could resume payments and then they were modify the loan. Started payment on time and then they told me I had to make all missed payments with fees or thye would foreclose. I could not pay such a large sum but contained to make payments in full and on time. Continued to make payments then they started to send them back to me. They denied modification and have now started foreclosure. I have applied for and been denied modification numerous times, note most were denied saying I did not have enough income even though my income was the same and has now increased considerably over what it was when they wrote the original loan. I have complied with hundreds of requests for the same documents over and over and it appears the is a delay tactic so they can move forward with foreclosure seems to be a fraudulent tactic based on my research of other consumers in the same situation.
Product: Credit reporting or other personal consumer reports

I have a mortgage through Select Portfolio Servicing. 
In XXXX of 2024 They called me and asked if i would like to for go making XXXX and XXXX 's Mortgage payment, due to the fact that we are in a disaster area from the hurricanes in FL. I reluctantly accepted, and asked specifically if my credit would be harmed. They ensured me that it would not. 
There was no action needed on my part, as my mortgages are automatically deducted from my checking account on auto pay. They did not take XXXX payment, i had forgotten about the Forbearance, and called them again and asked them why they did not take payment in XXXX, they reminded me of the forbearance plan, and said that they would need the account current in XXXX. I agreed. 
I am in the middle of a very important loan request for XXXX, and i had my credit pulled and my credit score had dropped XXXX Points in XXXX because SPS had reported my mortgage payment late. I have tried to call and reach out by phone and email, they are giving me the run around. They have refused so far, as to even provide me a letter stating that they made a mistake. I need my credit report fixed asap. They have caused great financial harm to me and my business, by reporting FALSE information to the credit Bureaus.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX XXXX Balance Owed : {$330.00}.