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

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Should Not Reporting On My Credit Report Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681 ( 5 ) this acoount in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account should not be listed on my credit report I've never did any business with that company i did not authorize this account. List of other companies XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX City : XXXX XXXX : Indiana Zip Code : XXXX Date : XXXX Credit Bureau Names : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. 


Dear Sir/Madam, I am writing to inform you that my identity has been stolen. I recently discovered that someone has been using my personal information to open credit accounts and make unauthorized purchases in my name. I have attached a copy of the police report I filed regarding this matter. 

I am requesting that you understand that this is a very serious timing and I need major help getting my credit file back into great standing with multiple security options to protect my credit reports and provide me with a copy of my credit report. I would also like to review the credit reports from all three credit bureaus including banks and consumer agencies to ensure that there are no fraudulent accounts or activities on my credit report and all will be removed or are in the process of being removed. 

Please provide me with instructions on how to dispute any fraudulent accounts or activities on my credit report. I understand that it may take some time to resolve this issue, but I request that you keep me informed of any progress made in this matter. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Remove Unauthorized Bankruptcy Information and Intent to XXXX Dear Equifax, I am writing to formally request the immediate blocking and removal of inaccurate bankruptcy information from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ). 

The details of the disputed entries are as follows : 1. **Bankruptcy Filing 1** - **Type** : XXXX XXXX - **Status** : Dismissed - **Date Filed** : XX/XX/XXXX - **Amount** : {$0.00} 2. **Bankruptcy Filing 2** - **Type** : XXXX XXXXXXXX - **Status** : Dismissed - **Date Filed** : XX/XX/XXXX - **Amount** : {$0.00} XXXX. XXXX Filing 3*XXXX - **Type** : XXXX XXXX XXXX XXXX*Status** : Dismissed - **Date Filed** : XX/XX/XXXX - **Amount** : {$0.00} 4. **Bankruptcy Filing 4** - **Type** : XXXX XXXX - **Status** : Dismissed - **Date Filed** : XX/XX/XXXX - **Amount** : {$0.00} These entries were not reported or furnished by the bankruptcy court, and I have not authorized any of these charges. Furthermore, these filings were made without my consent, involving the misuse of my personal information.

Under Section 605B of the FCRA, I request that you block and remove all information related to these unauthorized bankruptcies. This information must be removed within four business days of your receipt of this letter.

Additionally, I intend to pursue legal action under FCRA Section 611 ( a ) ( 1 ) due to your failure to respond appropriately to this dispute. According to the law, I am entitled to seek statutory damages of {$1000.00} for the inaccuracies reported. 

Please treat this matter with urgency and provide written confirmation that these entries have been removed from my credit report. 

Thank you for your immediate attention to this serious matter. I look forward to your swift response. 

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

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ..In accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 NCA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ... In accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681
Product: Debt collection

XX/XX/2024 XXXX balance payment amount we agreed upon XXXX for closure and removal. 
I recently paid off my collection for a pay to delete the current account is still reporting to my report and need to be removed asap because they have received there end but I haven't.
Product: Credit reporting 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 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 an 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you Equifax => - XXXX XXXX XXXX - XXXX XXXX - XXXX | XXXX => -  XXXX | XXXX => - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit card or prepaid card

I got robbed on XX/XX/2018. Thieves stoled my Kohls credit card. Called their customer service and spoke with someone who did not want to help. Emailed company on XX/XX/2018. No response. Called again on XX/XX/2018 and customer service was no help again.
Product: Credit reporting or other personal consumer reports

Accont # XXXX XXXX XXXX XXXX Voilations of usc 1681a Transunion is reporting transaction history late payments to my credit report XXXX XXXX XXXX XXXX has initiated arbitration with said company Correct account in positive standing
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent XXXX three dispute letters letting them know I was a victim of identity theft and to also remove the bankruptcy that was on my credit report that Equifax and XXXX have already removed from my credit reports. As a result of me being a victim of identity theft, I placed a security freeze on all three of my credit reports and also XXXX so I completely don't know how TransUnion is verifying that this account is accurate and it belongs to me because I also have a copy of the fraudulent identification card that's attached to that bankruptcy address that I never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.
Product: Mortgage

I have applied for refinancing my primary home on XX/XX/2020 with Amerisave, and I have been providing all the documentation they need. I was told that closing can be done between 30-60 days, and it has been more than 4 months still closing is not done. I called few weeks back and they told me that closing will be done in the 2nd week of XXXX. I called or sent a mail to my loan originator or underwriter but they rarely responded. It looks like they are not interested to give me the loan so I asked them to cancel my application so I can start my loan somewhere else. I sent them mail and to send me the confirmation but not received. 

I want to file a complaint against them if they don't want to give me loan then why did they start the process, and wasted my time. I could have applied from somewhere else =, and could have got the loan.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnished, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit card

The amount on this credit card owed was only about {$30.00}. I tried making my minimum payment but they didnt accept money coming out of my XXXX XXXX. I tried to contact them to give them a new form of payment for my minimum payment but they close my account with little to no notice charging me now the full payment of the credit card plus interest which is over {$400.00} I believe this is inaccurate and its unfair that I would have to be charged for the full payment of this card when the company was the one that closed it not me this was in XXXX that my account was closed.opened in may of XXXX 
Due to this inaccurate information, it is showing at a derogatory on my credit report. And now there is a third-party called resurgent receivables LL that is charging me for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Lexington law for quite awhile. I canceled service and was billed a extra month later, for an additional month of service. 
Also, I was constantly charged for services every month, that were not done. I did not see any change until I called and requested escalation of service and then thereafter, there were still times months went by without any action being executed. 

Upon canceling the service, everything that was removed was placed back on my report and some that I had no knowledge of, leading me to believe that Lexington Law is a partner with the credit bureau or companies that purchased/owned the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
Product: Debt collection

I trust this letter finds you in good health. I am reaching out to you to address a persisting concern related to a fraudulent account on my credit report, specifically the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. In light of the Fair Credit Reporting Act ( FCRA ), I anticipate and trust that Equifax will conduct a thorough, impartial, and swift investigation into this matter. As per the FCRA guidelines, I expect the removal of these fraudulent accounts from my credit report within the statutory timeframe.
Product: Student loan

Please see enclosed letter for detailed information. 

Lender approved me for a loan based on my credit score/history. School does n't want to certify and disburse loan because of my current XXXX status. I am a small business owner currently in adjustment of status a process which takes about 1-2 years because of backlog.
Product: Prepaid card

I activated this card a couple months ago. I tried to use it at the store two weeks ago and it was declined. When I called today it told me my balance was {$0.00}. There should be {$100.00} on the card.
Product: Payday loan

Excessive fees charged in continuous months in excess of {$1000.00} for a {$300.00} loan. Paid some of the loans but discontinued due to increased fees and interest.
Product: Debt collection

I am not liable for this debt. I do not have a contract with CREDIT COLLECTIONS. They did not provide me with the original contract with my ink signature.

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 Its showing OPEN on my credit report. 
A collection is by default a closed account, delete this account due to an XXXX reporting.
Product: Credit reporting or other personal consumer reports

I have a credit card that is showing delinquent and I made the payment on the XXXX
Product: Mortgage

My XXXX Escrow account was short due XXXX XXXX taxes. XXXX XXXX treasures office sent a refund in XX/XX/XXXX. Refund was applied but Freedom Mortgage continued to have difficulty adjusting my mortgage account & payments. Each month they continued to charge me for a shortage and late fees. I called on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and each representative told me that they saw the issue in the notes and would submit my account for review. I was also told that my new payment would be reduced effective XXXX and that I would see it on my next statement. Fees would be removed and the late fee I paid would be refunded. I just received my XXXX invoice and nothing has been corrected. Today, XXXX, Im on the phone with an XXXX XXXX who told me I was provided wrong info and Sorry and that I have to pay. Nothing she can do about it. Ive asked to speak to a supervisor. Spoke to XXXX- she informed me that there is nothing they can do, they can not adjust the amount back to XXXX, even though thats what the rep told me, the rep gave me wrong info and that I owe the unpaid amount. 
XXXX XXXX XXXX XXXX, a veteran, this is my XXXX home and Ive never experienced any issues with any lender until Freedom Mortgage. I only want them to fix my account like they said they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY AND SOCIAL SECURITY NUMBER WAS USED THE PERSON OPEN SEVERAL CREDIT CARD ACCOUNTS USING MY PERSON INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with XXXX Transunion, XXXX. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. XXXX, Transunion, XXXXhas FAILED to do so. I feel as if XXXX, Transunion, XXXX is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if XXXX  Transunion, XXXX and I can resolve this issue without having to see a courtroom. I will await XXXX, Transunion, XXXX response before I disclose any of my personal information.
Product: Checking or savings account

Optum Financial has been paying interest monthly on my XXXX cash balance at XXXX XXXX XXXX since I opened the account. They stopped paying it on my XX/XX/year>, XX/XX/year>, and XX/XX/year> statements. 

I have called and complained and they have not remedied the situation. I have even sent copies of their Rate & Fee Schedule, but they are claiming they do not owe it.
Product: Credit reporting or other personal consumer reports

Experian is illegally reporting various negative accounts to my consumer credit report. The following negative accounts are as follows. 

XXXX XXXX XXXX XXXX account is posted reflecting late payments and is listed as closed account for the amount of {$2200.00} since XXXX XXXX XXXX XXXX XXXX account is being reported as a charge off for the amount of {$1300.00} since XX/XX/XXXX XXXX XXXX account is reported with late payments and as a charge off for the amount of {$330.00} since XX/XX/XXXX XXXX XXXX XXXX account is being reported as a charge-off for the amount of {$78.00} since XX/XX/XXXX XXXX XXXX - XXXX is being reported as closed for the amount of {$3000.00} since XX/XX/XXXX XXXX XXXX XXXX account is being reported as a charge-off for the amount of {$81.00} since XX/XX/XXXX XXXX XXXX is being reported with late payments and as a charge-off for the amount of {$11000.00} since XX/XX/XXXX XXXX  is being reported as closed and as a Collection account for the amount of {$560.00} since XX/XX/XXXX All of the aforementioned accounts are derogatory on my credit report and illegally posted according to 15 USC 1681a and 15 USC 1692, as I did not consent to any of the accounts being posted, nor do I have any knowledge of the balances or origins of the accounts.

Several of these accounts are associated with incorrect information that is listed on my credit report as being my personal information.

As a result of these negative accounts on my credit report I have repeatedly experienced adverse action and been unable to access extensions of my credit.
Product: Credit card or prepaid card

I never received my Bloomingdale 's replacement cards nor did my authorized user. I have been working with Bloomingdales for over a month now to resolve the issue. There is an amount of {$630.00} balance on my account ending in XXXX. I have no idea what this balance is for since all prior transactions were reported as fraud since I never received the replacement cards. Bloomingdales refuses to work with me on resolving the issue
Product: Mortgage

SCRA request made XX/XX/18 to XXXX that included my request, a copy of the service members XXXX, our address and name. I received a letter dtd XX/XX/18 again requesting a copy of the XXXX. I again emailed them to the company. I do not feel our request is being timely fulfilled. There has been no resolution to date.
Product: Mortgage

I have 2 mortgages with GMFS.

I have had one mortgage for nearly 4 years.

My bank allows me to pay bills through their site, and I paid my mortgage with the same address for years.

My bank and mortgage company are different companies.

Last month, GMFS notified me that my loan has been purchased by XXXX XXXX XXXX but its still GMFS. The lender has not technically changed.

But they failed to receive my payment that I had sent to the same address for GMFS for years.

So, I changed the address.

Now my payments have been returned because its not made to XXXX XXXX XXXX but its coming from a GMFS letterhead. Its still GMFS. Its not like I was sending payments to XXXX or XXXX XXXX  
This is ridiculous. I believe its deceptive banking which causes unnecessary confusion to cause customers like myself who have paid on time every time to incur expenses. This needs to be investigated.
Product: Debt collection

This number keeps calling about a family member that does not even live with me. After repeatedly telling them they do not live with me, they continue to call and call all of my other relatives. It is predatory and must stop!!! They are calling on some made up charge for the wrong person even.
Product: Credit reporting or other personal consumer reports

I am submitting response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 
XXXX XXXX XXXX : {$330.00} XXXX XXXX XXXX : {$15000.00}
Product: Credit reporting or other personal consumer reports

I noticed that a XXXX XXXX XXXX  collection was added to my credit. This is NOT my collection and should not be on there at all!
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B obliges us to remove any incorrect accounts from my credit report. Can you check the documents for me? Some accounts listed are inaccurately reported, with incorrect amounts and dates.