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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


PLEASE REMOVE FRADULENT ACCOUNTS & INQUIRES BELOW!!! 

1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX Enclosed are the following : A copy of my driver liscense. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit card

Refer to the enclosed documents. I request the bureau to initiate an investigation into these accounts, as I am never late, but they are reporting me as such.
Product: Credit card

I am enclosing a complete file of materials that I have submitted to Bank America regarding dresses that I bought the fabric for and had a tailor to make them at a cost of almost {$500.00}. Unfortunately, none of the dresses fit.. They are too tight across the bustline and the zippers do not work. Bank America has decided that I have not submitted sufficient information for them to make a decision regarding the fact that XXXX XXXX did not provide the services that I requested.
Product: Credit reporting

The following inquiries remains on my credit report after I have told transunion that I was unaware of a few, and the rest I did not receive service for. They have given me the run around with telling me to contact the creditor, and the creditor is telling me to contact the credit agency. The following inquiries are in question : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX such authority.
Product: Debt collection

I tried to call all three bureau 's and the company, i even wrote numerous of letters to explain that this is not my account. i asked the company to provide proof of contract and they keep sending me a bill, which is not my bill? A bill does not show proof that i signed a document. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I know my rights and they are trying to make me pay a debt that does not belong to me. The credit companies sent me someone else 's credit report a while back so what makes me believe they are not mixing me up with this person again.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively impacting my XXXX score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my XXXX score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like XXXX XXXX XXXX XXXX removed from my credit profile this account is paid in full and was supposed to be deleted if paid I was agreement for paid to delete offer this has a impact on my credit profile from me purchasing a home a this is very important this be removed I have did few complaints nothing has been done this is a hold up and purchasing a house is very important to my family and I
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged account attached in Exhibit D through H and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ***
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXXI received an alert form one of my credit monitoring sites that my scores had dropped for Equifax, one dropped 14 points the other dropped 99 points. After my investigation through my Equifax account, it appeared that 69 items were affected on my credit report. The majority of the accounts were reinserted into my credit file, other accounts were deleted, credit card balances were removed and old inquiries were added to my account file. I called Equifax XX/XX/XXXXand spoke with XXXX in the Office of Consumer Affairs, she  advised me there was an abundance of information added to my report she created a dispute to the technology team to fix the issues which included deleting the reinserted accounts. She advised me to call back on WednesdayXX/XX/XXXX if the issue had not been resolved. I called onXX/XX/XXXX because I noticed that a lot of changes had been made but 25 reinserted items still remained on my credit file. I spoke with XXXX in the office of consumer affairs who refused to take the remaining account numbers to make sure those items were deleted and hung up on my twice. XXXX from the office of consumer affairs tried to delete the accounts but was having system issues advised my only option was to submit in writing to open a 30 day dispute where the creditor would verify the account. I advised that was not the appropriate approach and that I was not interested in taking that approach with my account because the items had already been deleted from my credit file. XXXX rudely provided the fax number and hung up on me. I called the office of consumer affairs onXX/XX/XXXX and spoke to XXXX who stated she did not remember the conversation we had on Monday and that she would of never submitted anything for deletion. She then told me there were 2 disputes open and there was nothing they could do about it now. She refused to follow through with her plan from Monday to have the abundance amount of information that was reinserted to my credit file deleted. The 2 disputes were opened on my behalf without my authorization. I specifically said in all my conversations with Equifax that I DO NOT want to open a 30 day investigation for the creditors to verify the accounts. Attached is a copy of my credit report before the items were changed on my credit report and the most recent copy of my credit report with changes that have been done but 25 items still remain. Also, I have attached a document that includes my conversations, dispute numbers and a list of changes that were made and remaining items.
Product: Credit reporting or other personal consumer reports

I have asked TransUnion to remove these accounts from my credit report, as I did not give permission for them to be there. They were the result of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, asked the credit bureaus to do a verification through a thorough investigation of the items listed in this complaint and also listed below on my credit my credit report. They stated that the accounts had been verified as accurate. However, I did an investigation into my credit report myself and found inaccuracies after they did their thorough research. 

Name : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts # : XXXX, XXXX, and 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 an account without my written instructions.
Product: Credit card or prepaid card

I received an unsolicited letter in the mail for a Brinks Money Prepaid MasterCard. It was addressed to me at my new address. I did not sign up for anything with this company, and I did not provide my information to them. Inside the letter were these items : a MasterCard embossed with my name, an account number and routing number for XXXX XXXX, and instructions to call in to verify my identity in order to activate the card. Where did they get my information? Why are they sending me a card that I did not request? I feel like this is fraudulent activity to compromise my identity.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called in to Equifax four different times to remove remarks off of my dispute for mortgage. Every time I have called them, they open up a new dispute to remove the account instead of removing three marks off of the dispute. This is now causing me to lose a House at closing due to their mistakes.the account is for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX : XXXX Account number : XXXX, XXXX Account Nunber : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : 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

It is not 100 % accurate, and impedes on my privacy as a consumer and effects my credit worthiness tremendously. I've sent a formal letter to TransUnion and they have not completed the investigation of this matter within thirty days. I want the accounts in question removed asap.
Product: Credit reporting or other personal consumer reports

My credit information has breach and because of that there's loans credit card debts and other things that are not mine at all because my identity information has been stolen
Product: Payday loan, title loan, or personal loan

Hello Sir or Madam, I was contacting you to get guidance on filing a complaint against One Main Financial, Owned by XXXX XXXX, account # XXXX. I have had an account with them for years and never had an issue until now. When issues with COVID first occurred I was having a hardship making payments in XXXX. I called Onemain XX/XX/XXXX to make arrangements and was told they have a program for covid that can help so I made arrangements to start my payments when I knew I would have money coming in to pay. I asked if I would be marked since I missed payments and I was told no due to the covid program. 

This year I ran my credit report and they marked 4 months late when I was told they would not. This has impacted my credit significantly causing issues for me now when starting my own business. I contacted one main and their credit dispute department told me to send them a letter and it would be corrected. I filed a dispute in XXXX and did not hear anything, filed again on XX/XX/XXXX, I followed their instructions and sent the letter and approximately 20 days later received a letter from one main stating that the records were correct that their Covid Program ended XXXX of XXXX which doesn't make sense when the shutdowns did not occur until after that time. I have requested the transcript for the call two times with no response from the company, and the representatives I have spoken with will not read me the notes from the day the payment arrangements were made only that they acknowledge the conversation that day. 

I requested the transcript from the recorded call that I had in XXXX which would show I was told there was a program and there would not be an issue as long as I made the promised payments which, I did. Since my last request in XXXX, they have not responded nor provided me the transcript for the original call in XX/XX/XXXX. I advised them in the last letter that if they did not provide the information I would be filing a complaint. 

This issue with one main has significantly impacted me credit-wise and I have resolved other issues I had during that same time. The impact on my credit puts me just below the range I need in order to get the loan I need to complete my construction for my business. 

Thank you for your time and consideration of this matter referenced Account XXXX Any assistance is appreciated.
Product: Credit reporting or other personal consumer reports

Lies lies lies is all this predatory company does closed this account with another lie but it's coming to a head AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( 3 ) bureaus to remove the lates however, I have not been successful.
Product: Credit card or prepaid card

I was looking over my charge card and notice a small fee for a cash advance I have never taken out a cash advance on this credit card or any other credit card. 
Called the issuing card on numerous occasions and getting no where. 
I have emailed. There response is to call and set up a dispute after numerous attempts to do so. again no where. Called again, explained the situation again. Told me to call this number. I did It was a fax number. Called again, Got a another number. NO One has called me back.Called agin.gave me the same run a round. Called again, now was told someone would call me. No call. No email.

Every month first amount I noticed was XXXX XXXX  on XX/XX/2022. 
XXXX it was XXXX XXXX. it is now XXXX and the amount is up to XXXX XXXX. 
The credit card company is called Prosper
Product: Mortgage

My mother has a reverse mortgage. In XX/XX/year> she passed. Reverse mortgage said as her heir I could retain the property at XXXX percent of what they appraised the property for. I was living with my mother already taking care of her until she passed. So far they completed three appraisals. The first two were for XXXX XXXX the third one was for XXXX XXXX. I have a loan XXXX and and have been approved for the shortsale amount. Longbridge financial keep asking for the same information and keep having me to resubmit a new shortsale packet to give you XXXX days or it will be denied. They kept asking for proof of funds when my loan officer was saying the way they were doing things was not the way a mortgage process goes. They were not satisfied with anything that was submitted. About 5 weeks ago the loan officer sent them a form of proof of funds and told them we could be ready to close in about XXXX days. Longbridge financial then said the appraisal was going to expire in a couple of days so they had to order a new one. This time they sent someone out and they appraised it at XXXX XXXX dollars. I don't see how that's possible when no repairs or upgrades have been made. I feel this is a attempt to keep me from retain the property so they can foreclose or they are just trying to get more money.they do not return phone calls in timely manner and you can only email the shortsale dept. I I wish to retain the property at XXXX percent of the earlier appraised amont.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an online dispute at XXXX  regarding the account XXXX XXXX. My dispute was on the basis that as of XX/XX/XXXX, the account balance of {$840.00} was paid in full. I included my emailed receipt confirming this payment. On XX/XX/XXXX, I received an email from XXXX stating that the dispute has been updated. Upon review of the account, it now reports, " Account charged off. {$840.00} written off. '' Considering that the account was paid in full, the status should reflect that it was " paid collection. '' I contacted XXXX customer service on that date and was told that XXXX XXXX is denying receiving payment. I was also told that when disputes are initiated, the authenticity of the supporting documents are expected to be verified by the original creditor, thus they have the final say. This is ridiculous! Regardless of what XXXX XXXX is stating, I submitted proof that the account has been paid in full, therefore my credit report should be updated to reflect " paid collection. '' XXXX is neglecting this proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I, XXXX XXXX XXXX, disputed an account by XXXX XXXX. I was informed in XX/XX/2019 that the item was deleted from all credit reports and bureaus. In XX/XX/2019, a collection re-insertion by an entity known as XXXX XXXX XXXX has illegally reported the same collection as previously mentioned back on my credit reports and to the credit bureaus. I have NO such business dealings with this company and ask that they provide signtures staing that we have an agreement. I request that the collection item be removed permanently from Trans Unions credit agency effective immediately. as my credit has suffered from this form of identity theft. 
he next step will be to pursue legal action against this entity and the bureaus that continue to report such fraudulent activity.