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

Each credit bureau failed to delete the following listed fraudulent inquiries within 4 days of the FTC filing. The FTC report was filed XX/XX/year> and should have been deleted by XXXX. These inquiries are currently still fraudulently reporting to each bureau. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 

Experian, XXXX, and XXXX are also in violation according to 15 U.S Code 1681c-2, which states : a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been OVER 4 business days and EXPERIAN XXXX XXXX are in violation of this law because I am a victim of identity theft.
Product: Mortgage

Robocall on Monday, XX/XX/XXXX at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage Account with Loan Depot act # XXXX was paid in full XX/XX/2020. Upon checking my XXXX, XXXX  and XXXX  credit reports Loan Depot last reported to the credit depositories was in XXXX still showing a balance. 

Loan Depot has not provided any reporting to the credit bureaus since XXXX ACCURENTLY showing that my mortgage is PAID IN FULL. 

I am requesting the Consumer Federal Protection Bureau contact Loan Depot to report my mortgage Paid in Full to all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : CAPITAL ONE AUTO FIN Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My brother informed me that I received a letter in he mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone had given my name and social security numbe4r to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Our mother died in XX/XX/XXXX ( my father had already passed away ) with an HECM on the house she had taken out in XXXX. My parents built the house in XXXX. The house was appraised by a XXXX certified XXXX XXXX state XXXX XXXX in XXXX for {$110000.00}. It was underwater to the loan which at that time was {$220000.00}. The law and the loan/mortgage says we the heirs can payoff the loan at XXXX % of the appraised value of {$110000.00}, so {$100000.00}. We contacted the servicer, XXXX at that time, to to do a 95 % payoff and they ignored us. They passed it to XXXX as servicer, and we continued to try and payoff at 95 % and they ignored us too. We have been trying to do so for a decade-it 's called an heir payoff- but the loan servicers have just constantly been changing and screwing with us and latest servicer, the XXXX I think, now wants {$370000.00}! My siblings and I have the money, that's not an issue. HUD paid off the loan when it got to 95 % of the loan value in XXXX, the year before my Mom passed. We know that, and they paid the {$220000.00} to a servicer or loan hold at that time ( the XXXX loan has been sold to others ). The servicers involved as near as we can tell were XXXX, XXXX, XXXX. XXXX, XXXX, XXXX and XXXX mortgage XXXX we know of. All we want to do is pay the money and get the title cleared of the XXXX mortgages. This process has been absurd and ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent documents requesting my report and a security freeze. I have yet to get what I've requested. I look forward to receiving the proper documents I've requested as a consumer.
Product: Debt collection

My ex-girlfriend had opened this account I never knew nothing about it. I didn't find out till a few months ago when I checked my credit report. I contacted the company to let them know hey this wasn't me and that she did this. I actually was trying to press charges against her but she left town. The collector wouldn't work with me said I was lying and I had to pay in full or they would sue me.
Product: Credit reporting or other personal consumer reports

XXXX is currently reporting an inaccurate account XXXX XXXX XXXX account XXXX XXXX in a collection status on my credit report with a balance of {$2200.00}. 

****In accordance with the provisions of 15 USC1692 ( g ) and 15 USC1692 ( c ) This is a violation of my rights as a consumer and this must be deleted immediately.
Product: Credit reporting or other personal consumer reports

Around XX/XX/2024 I was made aware someone used my information to try and open accounts. I also was made aware other accounts were open and sent to collection. Original account holders are XXXX XXXX XXXX XXXX XXXX other account is XXXX. XXXX XXXX is another account that was done fraudulently.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNT : XXXX  XXXX XXXX.
Product: Mortgage

During Covid-19, my mortgage was palced in Forebarance. I was told then i started the forebarance that my payments would be added to the end of the loan. I have been trying Since XXXX of XXXX to get out of forebarance and start making payments again. Carrington is telling me that they can not simply just add my payments to the end of the loan. Since XXXX of XXXX Carrington has been reviewing my loan for a modification. As on XXXX XXXX they are still revieing me for a loan modifiaction. Their lack of action on this is putting me in incrasing jepordy of loosing my home. I have not made any payments because I want to know how they are going to resolve the amout that is behind. And they can not tell me this information.
Product: Credit reporting or other personal consumer reports

There are accounts that has been sitting on my credit for years that keeps coming back as accurate. Show me the method that you actually used to prove these items are accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT NOTICED UNAUTHORIZED INQUIRIES ON MY REPORTS
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter concerning a transaction or credit request allegedly made through this companies. After reviewing my records, I must state unequivocally that I do not recognize having authorized or initiated any transaction or credit application. 

Creditor Name : XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion And Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX
Product: Credit reporting or other personal consumer reports

This company is showing an old chargeoff on all of my credit reports. it has been giving me a hard time since i have been trying to obtain a car so i can get to and from work. i am in a completely different financial situation since my college days and i believe it is unfair for them to still be reporting this old information that is not reflective of who i cam as an adult. I need this account removed IMMEDIATELY since it has been having an effect on my life for a very long time now and i am tired of it. please help me CFPB can not take this any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the following account ( s ) /file ( s ) be deleted, all collection efforts cease and any information about this account ( s ) /file ( s ) sent to credit agencies/bureaus be removed immediately!! 
XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$3300.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$19000.00} XXXX XXXXXXXX XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, 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
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. Account name : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Debt collection

under my credit report it is showing that XXXX XXXX is /has been sent to collections. The account has a balance due of XXXX and that is a inaccurate balance. I have disputed it with experian numerous times but they never remove or take anything off my report and they continue to make my score drop lower and lower as time passes by. I am XXXX and has been affected by the covid 19. I have documentation if you need this as formal proof. I have been trying to get the account closed and im not showing this has happened either. This is so sad to be happening to someone in the situation that I am in.
Product: Credit reporting or other personal consumer reports

I've asked XXXX to remove this from my credit report since this account does not belong to me. XXXX supposedly did an investigation and came to the conclusion that the account is mine. XXXX accounts from Bank of America appear on my credit report, XXXX of which is mine and I've always paid on time and another which is the one that I'm disputing that is not mine. The account that is not mine is affecting my credit in a negative way and I would like to have it removed from my credit report.
Product: Credit reporting or other personal consumer reports

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

"
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit file. As a victim of identity theft stemming from a data breach, I have confirmed that the following accounts and inquiries were not authorized by me and are fraudulent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report. 
Fraudulent Account 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've already spent months trying to correct mistakes on my credit report because maintaining good credit is crucial for me. These errors have significantly harmed my financial opportunities and taken a toll on my emotional well-being. Unfortunately, my requests and complaints have been repeatedly ignored, worsening the impact on both my life and my credit.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX  XXXX Account Number : XXXX RESIDENT VERIFY XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

In XXXX to XX/XX/year> XXXX XXXX reported late payment As 90 days late on my Experian credit report and after thorough investigation, the company found out they made an error reporting late payment to 3 credit bureaus. This account was never late. All three credit reports have different payments on each report That is a violation
Product: Credit card

I have worked very hard to repair improve and maintain my credit. My husband lost a business during covid, then had a XXXX due to the stress. He was forced to file bankruptcy. I did not. We also have all finances separated. XXXX bank decided to close my good standing credit card account and will give me no explanation as to why. My husbands bankruptcy has to be the only thing they could use in a negative way against me. Certainly seems like that would not be inline with the equal opportunity act. How am I punished due to my marital status?
Product: Credit reporting or other personal consumer reports

I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a letter was sent to Synchrony Bank/ Sams Club in regards to an inquiry from their company dated XX/XX/XXXX. In that letter, I asked them that they contact ALL reporting agencies that they had reported this inquiry to as I did not apply for or currently have ANY open business with this company. 

I also asked them to provide me with copies of the documentation that says I gave their organization the authorization to view my credit history. 

This request was DECLINED and I received a template letter response from this company dated XX/XX/XXXX stating " the application for credit processed on XX/XX/XXXX matched the credit bureau file accessed ''. 

I did not apply, nor did I give my authorization for this company to access my credit report or to place this erroneous inquiry.