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

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within XXXX  days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within XXXX  days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX XXXX # XXXX YOU ARE NOT reporting XXXX  % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

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Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXXXXXX has violated my rights. Or a list of inquiries : 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: Credit card

Ive did an application for a credit card Ref # XXXX and was rejected. Isnt my failed application a promissory note? So that means you can take my securities and sell them to a third party, therefor I shouldnt have been rejected. Then that means its securities fraud. Especially under an open-ended consumer credit plan.
Product: Debt collection

I keep getting Debt papers that I never took or open accounts, I'm requesting to provide me with my signatures showing that I opened some kind of account. Also I have the proof that I have never been in CA as I see those accounts from CA, second I came to USA in XXXX, I came in XXXX to work on cruise lines, so obviously I couldn't be on the land opening accounts and buy some things
Product: Debt collection

I have requested debt validation for an account and have gotten no reponse
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX evidently turned over an unknown account to a collection company called XXXX. I have not received any correspondence from this company or phone calls. I work for a small company as XXXX XXXX XXXX XXXX XXXX XXXX XXXX., I have a business account. My BOSS, my BOSS, came into me this morning and handed me a collection bill that was sent to HIS HOME. Again, the boss of my company received a collection notice with my name mailed to his HOME ADDRESS. I have never used his home address but have been told as an add on to his business card, it is possible his address is listed on my credit report. This company said that had my current home address but changed it to my Bosses home address. I am mortified. The representative for XXXX could not give me any answer as to why and his supervisor only told him to be a " cease contact '' in my profile to no longer contact me. I need to they could have attained my bosses HOME address, not work and how it is legal for them to send any personal correspondence about me without verifying addresses. I am worried I am going to lose my job. I need explanation from this company and what resources I can take towards releasing personal information to my employers home address.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I requested and received my Experian consumer report via XXXX. ( see Exhibit A ) On XX/XX/23 I sent a notice of dispute with a copy of my passport via certified tracking with a green return receipt to Experian regarding inaccuracies on my report pursuant to 15 USC 1681. ( See Exhibit B ) On XX/XX/23 according to certified tracking records, my letter was received by Experian. ( See Exhibit C )
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being illegally reported on my credit report. On XX/XX/18, I formally disputed it directly with Transunion in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX - website does not work - no log-in information available. As such, I am unable to verify payments related to escrow shortages or contact servicer to remit tax payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original complaint ID XXXX Submitted on XX/XX/2022 Improper use of my report - Unauthorized inquiries reported. 
Requested items be deleted. 

On Saturday, XX/XX/2022, XXXX AM, XXXX XXXX wrote : XXXX XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for seven years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, XX/XX/XXXX or by calling XXXX XXXX XXXX XXXX. 

If you prefer to write to us, indicate that you are a victim of fraud requesting your free credit report and send us all of the following information : 1 ) Your full name including middle initial and generation ; 2 ) Social Security number ; 3 ) complete addresses for the past two years ; 4 ) date of birth ; 5 ) government issued ID card, such as a drivers license, state ID card, etc. ; 6 ) utility bill, bank or insurance statement, etc. Send copies of any documents you provide. Mail your request to XXXX, XXXXXX/XX/XXXX XXXX XXXX, Texas XXXX. 

You may access a more detailed statement of your rights online at XX/XX/XXXX or by calling XXXX XXXX XXXX XXXX.
Product: Checking or savings account

2 withdrawls both for {$300.00} apiece at atms both on XX/XX/XXXX .they do not list locations on the report..but because they say my chip card was used and that they can not be duplicated and that it happened within 100 miles of my residence that they denied my claim..they refused to look at the atm camera photos. They refused to send me to a supervisor when i asked them to give me a supervisor.i called them today XX/XX/XXXX around  XXXX..they put me on hold and never came back when they said please hold ill see about your options..there is no way i took out this money..first of all i thought my limit was {$300.00} a day..i gaurantee if they looked at the atm camera shots that they would see it was not me nor anyone i know..i dont know who the think they are stealing my hard earned money..but i need this money for rent and i will be very upset if i loose my place to live because of there inability to perform investigations of claims ..please help me
Product: Mortgage

We were told that once we reached a certain amount of equity, we could remove our PMI, and now we're being told that we can not remove it for a few more years. Our house is being appraised at over XXXX and we owe about XXXX. But are paying XXXX a month in PMI. I'd like it unfair. You spent a lot of money and put so much work in this house so we can increase the value and we're not benefiting from it.
Product: Checking or savings account

I had filed a complaint a few months ago about my bank. 
Back in XXXX and XXXX and XXXX of 2021 my bank account was hacked by someone and I had noticed it in XXXX. I had filed many disputes from XXXX till XXXX possibly into XXXX and I had filed a police report about it in XXXX. Due to not having all of my bank statements they had made a report for over XXXX $ which all together XXXX $ was the whole total. The bank had told me that it was not fraud and it was authorized when it wasnt. It was and is fraud. Once I had noticed it I had called right away. Ive gone into the bank in late XXXX all the way into XXXX mid XXXX to file another dispute to try to get my money back that was stolen from me and the women whom I spoke with said she had filed another dispute and when I had called customer service they said there wasnt an open case. Which there should have been. 

XXXX $ was stolen from me out of my savings account into my checking account which was taken from cash app. To 3 people who I have no idea whom they are. ( sherod young, XXXX XXXX and a XXXX psychic. ) Ive contacted a lawyer and the police department about all of this and I still have yet to receive my funds back nor heard from anyone about this on going issue. All I want is it solved and my money back that was stolen from me and my children. Im filing this complain and will be filing with the treasury of banks and with the state attorneys office and the USA department of treasury to see what else I can do to get my funds back. The funds that were stolen I DID NOT AUTHORIZE for cash app. Ive contacted cash app and they have nothing for protection and had told me to contact my bank and get help that way. I had letters from the bank stating that they had looked into it and seen that fraud wasnt a factor and I contacted them again to talk to someone about it and XXXX has contacted me to talk to me about it. Ive been waiting since my last dispute to speak with someone and no one from td bank has reached out. Im a single mother of 3 kids and I work very hard for my money to support my family and for my bank not to help me and get my money back for my children is disgusting to me. Td bank lets people steal money from people and let them get away with it and blame the person whom is fighting to get there funds returned when its not the persons fault. They should be ashamed of themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, FL ; XXXX, FL ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$590.00} ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/2021 are reporting on my personal credit file with ( XXXXTransUnion ) credit reporting agency. These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Product: Credit reporting

XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All three credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently Equifax reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of first delinquency. They also suddenly repotted that " adverse accounts paid in full will automatically be deleted seven years from the date of last activity. '' However the account was foreclosed not paid in full and has never been reported as paid in full until now. XXXX is unreachable. It bankrupted in XXXX and the phone number Equifax gives us does not provide any way to access anyone. We can not buy a new house until this foreclosure is delete and we have already waited over 7.5 years. I have attached the documents we have sent many times to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Experian credit report and I noticed several fraudulent accounts opened in my name without my consent. I am a victim of identity theft and I am requesting for Experian to block and remove these fraudulent accounts upon receiving my attached XXXX Police Report and FTC Identity Theft Report within four days. I did not benefits from any goods or services of these fraudulent accounts. I also included letter that I received my XXXX XXXX XXXX stating for this fraudulent account to be removed. I also never had any affiliation with XXXX XXXX XXXX XXXX. I never opened any type of checking or saving account with this institution. 

My rights have been violated and I am requesting for these fraudulent accounts to be blocked and removed under FCRA 605B within four days : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently received notice of a new collection account on my credit report. Midwest Recovery Systems XXXX failed to notify me BEFORE placing this alleged debt onto my credit report which is a FRCA violation, punishable up to a {$1000.00} fine. This is not okay. I received no communication from this company by phone, email or US mail. I have the right to dispute debts and must be notified before anything can be reported to the credit bureaus. I have filed a dispute with the credit bureaus about this company. I do not have any knowledge of this account. This account was reported to all 3 credit bureaus drastically and negatively affecting my credit. I did not receive anything notifying me of this debt nor did I have the opportunity to challenge the debt. All communication regarding this matter is to be through this portal. Midwest Recovery does not have permission contact me by e-mail, phone, or US Mail.  After further investigation it appears this has become a standard practice for this company ( per complaints filed with the XXXX ). The apparently have been no repercussions for these practices as they are yet ongoing. This is causing a hardship for me as I'm in the middle of a job change and relocation. Something needs to be done about this ... how can they continually violate the law?
Product: Credit card

Sears Credit Card has changed the way to access online statements. You now need to have an active credit card to create an account. They closed my account two years ago when I was unemployed, even though I paid them on time every month. Now I can not access my balance or schedule payments because I can not access my account online. I have to wait for them to send me a monthly statement in the mail ( and they do n't even provide a mailing envelope anymore! ). I feel this is an underhanded attempt to get people to mail in payments late so that they can collect more late fees off account holders who no longer shop with their credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I requested a copy of my Equifax Credit report.and received a copy on XX/XX/XXXX. To dismay, it contained entries that were included in a Bankruptcy in XXXX and were reporting as negative : ( 1 ) XXXX XXXX XXXX ( two entries ), ( 2 XXXX XXXX XXXX Bank, ( 3 ) XXXX XXXX XXXX had a note stating that this account had been sold to another company even though it was in bankruptcy filing. Equifax removed the two XXXXXXXX XXXX XXXXXXXX accounts and XXXX XXXXXXXX account, not the XXXX Bank account. I filed a dispute. Today, I checked the status of the disputes and discovered that the aforementioned accounts have been re-added and the XXXX was reported as correct. In addition, my credit score dropped from 690 to 668. There were hard inquiries by companies I have no knowledge of : ( 1 ) XXXX XXXX, ( 2 XXXX XXXX. I have not applied for any loans or other services from these entities. Equifax employees have been rude and totally disregard the rules of decency, and the law. I want this incorrect and harmful information removed immediately as well as unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX XXXXXXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission ).