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

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Equifax XXXX XXXX Credit Report Account XXXX XXXX Card Date Opened : XX/XX/XXXX Total Balance : {$1500.00} Account XXXX Term Date Opened : XX/XX/XXXX Total Balance : {$21000.00} Remove old addresses and update to the current information : Address : XXXX XXXX XXXX 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

This company, LVNV FUNDING LLC, has called, emailed and mailed me about an alleged debt of {$1700.00}. I have never done business nor have I signed any contract with this company yet theyre reporting a false amount on my credit reports. I requested a debt of validation from this company about this alleged debt in which they failed to provide me with.
Product: Credit reporting or other personal consumer reports

Ok I had filed a complaint on my credit report due to icirrect information from the credit agency .I filed it based on XXXX however I was mistaken it is actually equifax who is mishandling my information. I will not send them my birth certificate or ssc die to they have been breached in the past and I feel my information is not safe with them. I need this issue resolved. My name is XXXX XXXX anything of than that is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two unrecognized hard inquiries appear on my credit repot ( see attached ), from " XXXX XXXX '' and " CITI CARDS CBNA '', both on XXXX. I did not apply for any cards or loans in that timeframe. 

I was not able to reach anyone via phone to get more details at either XXXX or Citi.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXXg ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S CXXXXe XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Innovis Consumer Assistance, XXXX XXXX XXXX | SSN : XXXX | XXXX XX/XX/1993 I hope this letter finds you well. I am writing to make a formal request in accordance with consumer protection laws to receive my credit report from Innovis electronically via email. Due to my current homeless situation, receiving the credit report by email would greatly assist me in managing my financial affairs. 

As you may be aware, the Fair Credit Reporting Act ( FCRA ) empowers consumers to request and obtain their credit reports from nationwide consumer reporting agencies, such as Innovis. Section 612 ( b ) of the FCRA provides the right to obtain one free credit report annually, upon request. Furthermore, the FCRA does not specify any particular method for delivering the credit report, leaving room for flexibility in accommodating individual circumstances. 
Request to Freeze Credit Report : In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, I formally request that you place a freeze on my credit report. This measure is essential for preventing unauthorized access to my personal information and protecting my financial well-being. Please ensure that this freeze extends to all third parties who may seek access to my credit report through Innovis. 

Request for Removal from Innovis System : Considering my homeless status and the challenges associated with maintaining a consistent mailing address, I kindly request that Innovis remove my personal information from your system. Removing my information from your database will help safeguard my privacy and prevent any potential misuse or unauthorized access. 

Request to Suppress Personal Information : In line with applicable consumer protection laws, I request that Innovis suppress my personal information from any publicly accessible sources or databases. This includes any information that may be sold, shared, or disseminated to third parties for marketing or solicitation purposes. Suppression of personal information is vital for protecting my privacy and reducing the risk of identity theft or fraudulent activities. 

Regrettably, my present lack of permanent housing makes it exceedingly difficult for me to receive traditional mail reliably. Consequently, I kindly request that Innovis exercise its obligation under the FCRA to provide my credit report electronically via email. This would allow me to conveniently access and review the report promptly, thus enabling me to make informed decisions regarding my financial situation.
Product: Credit card

I am not a customer of Capital One and its affiliates. But I have been receiving unsolicited credit card offerings from Capital One and its affiliates for years which disturbs a lot and I want it to stop. Over 1 month ago, I called Capital One customer service to stop. During that time, the representative promised the marketing will stop. But the Capital One and its affiliates ' offers still come to my mailbox. 

The opt-out service, a robo-phone service provided in the offers is also a sham. I called for XXXX mins but the service can not recognize my address and can not proceed to implement my opt-out. 

Please STOP harrase me!
Product: Mortgage

I submitted a request to remove escrow from our mortgage several weeks ago. Our home has increased in value significantly since we purchased it due to both the housing market as well as high-value renovations we have completed. PHH Mortgage denied my request because they will only consider the loan-to-value ratio based on the original appraisal on the house, which is no longer accurate.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information from my Credit file. The items I need deleted are listed in the ID THEFT REPORT. I am a victim of identity theft and did not make the charge nor accounts. I have been infroming the Credit Bureuas regarding my situation through written letters with complete attahments of my personal information. But despite all my efforts to have the fraudulent items removed, the Credit Bureuas have failed to comply with tmy requests and the FCRA section XXXXb. I am frustrated to see that the Credit Bureau have done nothing in order to correct my Credit File. The XXXX and Equifax Credit Bureaus clearly violated the FCRA regulation and I am tempted to pursue legal action against the Credit Bureaus. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the Fair Credit Reporting Act Section XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX CARD XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my XXXX website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but XXXX reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the 2 loans I have with XXXX. 
Please have them remove these false errors on my credit report from both loans. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my extreme dissatisfaction with Brigit 's Credit Builder loan service and the significant negative impact it has had on my credit score.

**Account Closure Request Ignored : ** In XX/XX/2023, I explicitly requested through email and via website request to close my Brigit Credit Builder account. Despite this clear request, Brigit continued to debit payments from my account for several months beyond my request. I requested again in XXXX of XXXX  and was told that my request wasn't received but that it would be closed. As of XXXX, I was still being emailed about late payments and penalized.

**Unaddressed Missed Payments and Credit Score Drop : ** Due to this continued unauthorized activity, late payments were reported to credit bureaus, resulting in a **staggering drop of XXXX points** in my credit score. This substantial damage is completely unacceptable and directly contradicts the purpose of building credit through your service. 

**Unsatisfactory Customer Service : ** As if the situation wasn't bad enough, when I contacted Brigit 's customer service to address the issue, I was met with a **rude and dismissive response. ** The representative refused to remove the late payments, claiming they had no record of my account closure request. This lack of empathy and accountability is deeply concerning and adds insult to injury.
Product: Credit card

I have a XXXX credit card. My payment due date was XXXX XXXX, 2015 - I made a payment on that day through their online credit card site. When I went to review that the payment went through the following day on XXXX XXXX, their was an acknowledgement of the payment and listed as " pending '', yet there was also a {$35.00} Late Charge fee - POSTED ON XXXX XXXX - the SAME day as my payment was made. I find this a disreputable practice in XXXX ways ... ( 1 ) They should not assess a late fee ON the Due Date - if anything it should be the day after. ( 2 ) The fact that a Late Fee is even posted to my account is a blemish on my credit record. I contacted their online 'chat ' service immediately and the representative stated that the Late Fee charge would be removed. I will follow-up & view my account online again on XXXX XXXX to ensure that, indeed, occurred. Overall, this is an unsavory business practice, XXXX!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding inaccuracies in the reporting of the XXXX XXXX XXXXXXXX credit card account on my credit report. Despite multiple requests, I am still seeing discrepancies across the reports from TransUnion, XXXX, and XXXX.
Product: Debt collection

I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. This delinquent information is still reporting on my credit file and I am asking for it to be deleted from each credit bureau.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a certified letter to Experian to have my credit files confirmed, verified, updated or deleted and to send me a copy of the results along with the information on how it was verified and from whom it was verified so that I could follow up with them. I never received anything in the mail. I called on XXXX I was told that they didn't have to mail me anything and they didn't have to tell how they verified the information. I asked to speak with a manager and was told they would call me back, I didn't receive a call back until 2 weeks later on XX/XX/XXXX, I was working and could not take the call. I called back today on XX/XX/XXXX to discuss the fact that all of the negative things that are currently dragging should be removed because according to the Fair Credit Reporting Act Code 1681i ( 6 ) they had 30 days to complete the investigation or delete the files. They had 5 days to send a mailed copy of the results and they did not. I want the accounts deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint for the fourth time to follow the dispute of the remaining fraudulent inquiries that are currently reporting in my Experian and XXXX credit files. Despite my 1st and 2nd attempts to have these errors corrected over the past several months, the fraudulent inquiries still remain. As a consumer protected under the FCRA, I have the right to accurate and up-to-date credit information, and I request to the Experian and XXXX Credit Bureaus that my rights be respected. It is unacceptable that these fraudulent inquiries continue to appear on my Experian and XXXX credit reports. Once again, it is obligatory that these fraudulent inquiries are fully removed immediately from my credit reports. I request the following inquiries to be promptly removed from my credit report : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XX/XX/2022. I will again remind Experian and XXXX, that credit bureaus are required to investigate and respond to consumer disputes within 30 days under the FCRA. However, it has been over several months since I initially reported these issues, and I have not received a satisfactory resolution. This delay has resulted in significant financial harm to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know where start. I so XXXX right now I have been fighting with all Credit Bureaus about this issues. On my reports there a XXXX XXXX that was open XX/XX/XXXX. I have NEVER and I repeat NEVER had account with them in my life.. Why is this so hard to get remove when it not mine. I have been sending disputes since XX/XX/XXXX and nothing to this day has came off. I understand that people lie abou this but I am not and wouldnt fighting so hard if I was. This is really damaging my report and I want it remove.
Product: Student loan

THE ISSUE STARTED WITH NELNET REPORTING INACCURATE INFORMATION TO THEIR PARTNER BUREAU XXXX. THEN THEY FAILED TO CORRECT THEIR REPORTING, ALL THIS WAS GOING ON AND THE PEOPLE IN THIS COMPANY WERE SNOBBISH, RUDE AND DISRESPECTFUL. THEN I ASKED TO HAVE THE ACCOUNTS PROPERLY VALIDATED AND THEY DIDNT FOLLOW THE LAW AS USUAL WITH THESE COMPANIES. THEY CONTINUED SENDING BOGUS LETTERS WITH NO SUBSTANCE AND NO PROOF. ALL THE WHILE I JUST PAID THE ACCOUNTS OFF HOWEVER THEY HAVE NEVER RETURNED MY ORIGINAL SECURITY INSTRUMENT AND THIS IS A MAJOR PROBLEM FOR NELNET OR SLOAN SERVICING OR WHATEVER NAME THEY ARE NEXT YEAR, AS THE ACCOUNT WAS PAID OFF NOT FORGIVEN AND THE SECURITY INSTRUMENT WAS NOT RETURNED MEANING NOT ONLY CAN THEY NOT REPORT ANY DATA WHATSOVER BUT THEY ACTUALLY OWE ME THE FULL AMOUNT. PROVIDE/RETURN THE ORIGINAL NOTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, Equifax and XXXX  3 times in regards to XXXX XXXX XXXX  XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX  XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my debts until final divorce, which was XX/XX/XXXX, ( proof attached ). I was unfairly sent to collection since I was not employed nor am I currently working. This account was sent to collection about spring of XXXX and Divorce was XX/XX/XXXX, which means it was responsibility of ( ex ) husband. ACCOUNT WAS CLOSED XXXX. I would request this be DELETED from my credit report as it is INACCURATE
Product: Payday loan, title loan, or personal loan

I received a letter from Tower Loan on XX/XX/2023 saying that they were going to approve to lend me money. They or This 3rd party person suddenly changed their mind about not lending I believe because of civil rights discrimination? They really did wasted my time and fuel for driving down to their office causing me to have serious problems with money damages. It should be considered as sabotage for false advertising and extortion against me on my personal reputations Thier manipulation on Credit inquiries against me from leveling up As a loyal customer they turned me away from getting a personal loan. These narcissists only interested in ruining my life they punctured my credit score from building up. Im done dealing with Tower Loan in the future