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

You are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, my general good mode of living my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C 1681s-2 ( a ) ( XXXX ) ( A ), which 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. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). 
Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNTS FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15 USC XXXX, {$1000.00} per each violation you have incurred. XXXX XXXX Last 4 of XXXX : XXXX Copy of DL Copy of Address Copy of FTC report
Product: Checking or savings account

On XXXX XXXX, XXXX, an unauthorized withdrawal was made from my TD Bank account, reducing my previous balance from {$2000.00} to - {$1000.00}. I did not authorize this transaction, and upon discovering it, I promptly contacted TD Bank to report the issue. Despite my efforts to resolve the matter, TD Bank closed my account on XXXX XXXX, XXXX, without initiating any chargeback process or providing reimbursement for the unauthorized withdrawal. This action has caused significant financial distress and inconvenience.
Product: Mortgage

I was selling my house, the closing date was XXXX XXXX. My title company requested the payoff statement from the mortgage company. The mortgage company sent the payoff statement but their figures included interest charged until XXXX XXXX ( I am not sure if this is a standard procedure to collect more interest in advance? ). 
The mortgage was paid off on XXXX XXXX. I received my escrows back but not the overcharged interest. 
I tried calling the mortgage/servicing company several times but it said every time that they were closed which I found strange. 
I then asked for assistance from the title company that i used for this transaction. They were able to get a hold of the company without issues. They asked for the breakdown on XXXX XXXX but nothing happened. 
The title company then called the servicing company again on XXXX XXXX to follow up and i was also present on the call. We were told the breakdown has been requested and i should receive it within 14 business days. Nothing happened. The title company tried to reach out again but from that point they were getting the same message - office is closed. It almost looks like the servicing company blocked mine and the title company 's phone numbers. The title company emailed them for a week but no reply at all.
Product: Money transfer, virtual currency, or money service

I sent a payment via the CASHAPP service to pay for XXXX and the payment never arrived to the daycare. I can not reach the company, they have not responded via XXXX, or email
Product: Debt collection

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've  suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX Disputed Debt- Not my debt -fraudulant Charge I am officially notifying the Consumer Adjustment Company Account : XXXX that the balance of {$780.00} supposedly owed to a person or thing is a fradulant charge. 
Identity theft reported to police on XXXXXXXXreport filed. 
This was reportly arranged via phone for some kind or payday loan for an amount of {$600.00} sometime in XXXX with a date opened with your collection account process of XX/XX/XXXX. This has showed up on my XXXX  credit report as overdue in XX/XX/XXXX. 
This fradulant loan supposedly involved an account at XXXX XXXX XXXX. 
If you check you will discover that I have never had an account with this bank. 
I never arranged a loan by phone. 

I discussed this dispute with XXXX XXXX on XX/XX/XXXX and obtained All of these fradulant details from her. 
I would ask that you perform an investigation to determine the details of this fradulant act so that I can report to the Federal Trade Commission so as to identify and potentially prosecute the individuals involved. 
I would also ask that you correct my credit report at XXXX and remove this so-called debt from my account with your company. 

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

OnXX/XX/2019,IplacedasecurityfreezeonmyfilewithXXXXXXXXXXXX.

OnXX/XX/2019,IsentEquifaxacertifiedletterrequestingverifiableprooftheyhaveonfileregardingthebankruptcies.

OnXX/XX/2019,IsentUSBankruptcycourtacertifiedletterseekinginformationonhowtheyreporttocreditreportingagencies.

OnXX/XX/2019,IreceivedaletterfromUSBankruptcycourtstatingbankruptcycourtdoesNOTperformanyactivitieswiththecreditbureaus.

OnXX/XX/2019,IreceivedacopyofEquifaxinvestigationreport.Equifaxstatedtheinformation,Idisputedwasverifiedthatthepublicrecorditemisreportingcorrectly.

Equifaxobtainedinformationfromlocal,stateandfederalcourtsthroughathird-partyvendor,XXXX.

AlsoEquifaxlistedabirthdaywhichisnotmine.
Product: Credit reporting

Since well over Ten Years Equifax is using the same incorrect statements in the Credit reports of my wife XXXX XXXX XXXX as well of mine, XXXX XXXX XXXX. 
These are the wrong statements : XXXX Time of Delinquency is too recent or unknown. In Fact we do not have any Delinquency. 
XXXX Number of Accounts with Delinquency. 
XXXX Proportion of Balances to Credit Limits Is too High on Bank Revolving Accounts. These are the Facts : My wife and I have XXXX Credit Cards : No. 1 is a XXXX XXXX XXXX card for XXXX Purchases. 
No. 2 is a XXXX XXXX XXXX XXXX card for all our daily purchases/expenditures No. 3 is a XXXX card we have since 20 years, is rarely used, except when traveling abroad. 
No. 4 is a XXXX Credit card. 
No. 5 is a XXXX XXXX card with a 2 % rate for 18 months. 
All of the Balances of these credit cards are being paid off fully on a monthly basis or when otherwise due! 
Based on these facts the a. m. statements in the credit report are unacceptable for us. 
The same is true for the statements in the reports of XXXX and XXXX. 
They seam to feed on each other. This kind of poor/lousy business practice is hurting and has to stop. 
We like to get detailed explanations how the Credit Reporting Agencies collect their information and where they got these wrong statements from. 
Thank you for your help also in the name of millions of people who are negatively impacted, do not know and do not have the means to fight these unsolid business practices. 
This kind of " easy '', unsolid and lousy way to do " business '' has to stop.
Product: Credit card

XXXX XXXX XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Phone number ( XXXX ) XXXX Subject : Dispute of Inaccurate Information Dear, XXXX XXXX XXXX, equifax, XXXX I am writing to formally dispute certain information in my credit report. I have reviewed my report and found that there are accounts listed for which I do not have any information or knowledge. This is a request for you to investigate these accounts further, as I believe they may be inaccurate.

According to the Fair Credit Reporting Act, I understand that I am entitled to request an investigation into any information that I believe is incorrect. I would appreciate it if you could conduct this investigation within 15 days of receiving this letter.

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report immediately.

Please find enclosed copies of any relevant documents that support my dispute. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

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

Subject : Request for Removal of Inaccurate Account Information Dear Experian, ACCOUNT XXXX I am writing to formally dispute the accuracy of the information reported by Shellpoint on my credit report. 

On XX/XX/year>, I sent a certified letter directly to XXXX requesting the following information : A complete transaction history associated with this account. 
Payment history showing that the reported information is accurate. 
A copy of the signed original contract. 
Despite my request, XXXX did not respond to my letter sent by certified mail. 

Attached, you will find my return receipt from the certified mail, proving that XXXX received my dispute but failed to respond. Additionally, attached is a copy of the letter that was sent to XXXX. 

Considering XXXX lack of response and failure to provide the requested information, I am requesting that Experian remove this account from my credit report as it violates accurate reporting requirements. 


Sincerely, I am requesting that Experian remove this account from my credit report as it violates accurate reporting requirements under the Fair Credit Reporting Act ( FCRA ). The FCRA, codified at 15 U.S.C. 1681 et seq., mandates that consumer reporting agencies must ensure the accuracy and completeness of information reported. Specifically, under 15 U.S.C. 1681i, if a consumer disputes the accuracy of any item of information contained in their file, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file within 30 days of receiving the dispute. 

Failure to comply with this request may result in further action, as Experian would be in violation of the FCRA, which mandates the accuracy and completeness of information reported to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lists my open accounts, balances, and credit limits on their website and shows a total balance due of {$140.00}, or 6 % utilization. This 6 % is repeated several times and is called " low '' and " ideal. '' Credit utilization is 30 % of my FICO XXXX Score. 

25 % of my score is in the " Very Good '' range. 45 % is in the " Good '' range. But my FICO Score is only " Fair '' -- and XXXX points away from " Good '' -- because Experian computes my score, not with the " Ideal '' 6 % utilization they show me, but with a " Fair '' 62 % utilization that isn't explained. 

I've made several calls asking why 62 % utilization is used to compute my score, when 6 % is on my report. I've been referred, repeatedly, to the Experian dispute site. No one has offered an explanation as to why my score is computed with 62 % utilization rather than the 6 % usage shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. Please remove from credit report all inaccurate information listed below. This is a FTC violation. 

1. XXXX XXXX XXXX {$990.00} XX/XX/XXXX 2. XXXX  XXXX {$2200.00} XX/XX/XXXX 3.  XXXX XXXX XXXX {$93.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$9100.00} XX/XX/XXXX 5. XXXX XXXX XXXX {$11000.00} XX/XX/XXXX 6. XXXX XXXX {$650.00} XX/XX/XXXX 7. XXXX XXXX  {$16000.00} XX/XX/XXXX
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 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 : 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. 

Inquiry details XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Opened XXXX {$4000.00} XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX DEPT OF EDXXXX {$87000.00} On time XXXX XXXX {$29000.00} On time XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX  Closed Closed XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX  Closed Closed on XXXX XXXX, XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX XXXX - Closed 1 late payment XXXX XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed 6 potentially negative months XXXX XXXX - Closed 1 late payment XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed 2 late payments XXXX XXXX {$1300.00} Closed 9 potentially negative months XXXX XXXXXXXX XXXX XXXX  {$4900.00} Closed 15 potentially negative months XXXX XXXX {$2400.00} Closed 9 potentially negative months XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX - Closed 1 late payment XXXX XXXX XXXX  {$1900.00} Closed 7 potentially negative months XXXX XXXX XXXX  - Closed Exceptional payment history XXXX XXXX {$29000.00} On time US DEPT. OF EDUCATIONXXXX {$6800.00} On time XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Loss of job, house, and wages due to COVID- 19, Since then I have been declared 100 % XXXX and now I am on a set income from the government and deem total XXXX
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor advised that I have a balance. I called over the course of several days and was advised that I would have an automatic withdrawal set up to pay the balance on the account. I authorized this several times on a recorded line. Due to the agents error the payment was not processed and negatively impacted by credit score. When speaking with the supervisor he was very dismissive and intimidating. He would not address my concerns for the inaccuracies of what was reported only the balance remaining. The supervisor completely disregarded my concern and continued to attempt to collect although I advised that my information was not correct. The negligence, intimidation and disregard for the customer is appalling.
Product: Checking or savings account

Opened the merchant services account XX/XX/2023 eligible for the {$1000.00} merchant services bonus using an offer code that I received in the mail. This letter was directly addressed to me because I have a business account with Chase. I went into a Chase branch directly to open the account and the representative opened the corresponding account for me. I was advised by the representative to purchase a mobile card reader as mentioned and pictured in the offer letter, which I did through the representative. 

I took more than the {$2000.00} required in merchant payments on XXXX XXXX which was within 90 days of enrollment as listed in the offer letter. The offer letter states that the {$1000.00} bonus will be deposited within 15 days of the payments being accepted. However, it never showed up and I have been working with Chase and calling them for the past year, to no avail. They have been routing me to different representatives/departments and passing me off, but no one is able to give an answer.
My account representatives have been unresponsive to calls and voicemails and have ignored my requests. I have been trying to resolve this matter with Chase for over a year now, and there has been no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX Customer Service. This is the company XXXX has contracted with to provide everyone who was a victim of their data breach. The email states that I have a new account. I log in and find out that it is an OLD collection account from XX/XX/XXXX. I am XXXX and on Social Security XXXX. I have been since XX/XX/XXXX. I was previously told it was removed, and it was, but now it has reappeared. It is for XXXX XXXX out of XXXX XXXX, but the collection agency is out of XXXX, CA.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1300.00} XX/XX/year> ( requested debt validation/removal ) XXXX XXXX XXXX {$3100.00} XXXX/XXXX/XXXX  ( requested debt validation/removal ) SEE ATTACHED