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

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 


Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent. 
I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked. 
I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated. 
I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was taking XXXX 's level classes using my GI benefits through the Department of Veterans Affairs. Due to multiple XXXX  while on XXXX XXXX, I was forced to withdraw from the courses. I was told by XXXX University that I would not be charged any fees due to my extenuating circumstances. Several months passed and I received a packet of undelivered letters from the VA, despite receiving other mail from them in the meantime. This packet said that I had a payment due that was now in collections. After many conversations between the VA and XXXX, a miscommunication was found between those two parties, and everything was supposed to be cleared as of XX/XX/XXXX. I checked my credit report in XX/XX/XXXX and found that there was nearly 18 months of collections on my account, ending in XX/XX/XXXX, for this miscommunication between the VA and XXXX. I wanted to have that removed from my credit report so I submitted a dispute through Experian in XX/XX/XXXX explaining my situation and asking that those months of collections be removed. At the end of XXXX, I received a response that all the months of collections had been removed as I had asked, but now it was showing the account was in collections for only the month of XX/XX/XXXX. This makes absolutely no sense as they previously had the collections ending in XX/XX/XXXX when the issue was resolved. I reached out via phone to address this new issue, and they were not able to assist and suggested I submit a new dispute. I did this in early XX/XX/XXXX. I recently received the results of this second dispute, and it appears that Experian removed the collections flag from XX/XX/XXXX, but now has it in collections for only XX/XX/XXXX. I am unsure what to do at this point as I have reached out via phone and electronic dispute and can not resolve this issue. It has dropped my credit score nearly 30 points in the past two months because of their errors.
Product: Credit reporting or other personal consumer reports

I have disputed this account for XXXX XXXX  both with Credit Bureau and Creditor they continue showing on my report this account is in collections XX/XX/XXXX, only 1 month for whatever reason, this information is incorrect and neither company takes responsibility for reporting incorrect information , Credit bureau claims XXXX XXXX is reporting in collection XX/XX/XXXX but then XXXX XXXX denies reporting this to Credit Bureaus since their records show account. Closed and Paid in full since XXXX. I tried multiple times and unable to resolve this issue please help
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX 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

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing information on my consumer report and I noticed some information that was outdated, inconsistent and incorrect. I would like to remove the following information to make sure that things are in order. 

Any information that doesn't match my current information must be removed. 

Under ( FCRA ) it state 's that i have the right to privacy, accuracy, and what is reported on my consumer report pursuant to the following codes : 15 USC 1681 ( A ) ( 4 ) XXXX  : XXXX 15 USC 1681E ( B ) XXXX  : XXXX 15 USC 1681i ( 5 ) XXXX  : XXXX 15 USC 1681b XXXX : XXXX I have also enclosed a letter going stating the correct information.
Product: Checking or savings account

I was supposed to be paid through Capital One, but was not paid. The deposit was not in my account on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third dispute. 
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Hello there! Iam making a final goodwill attempt to have you clear up this matter. Its my understanding that consumer financial protection bureau help 's enforce consumers right 's, and stop bad reporting agency feom reporting inaccurate incomplete errors on consumer credit report. Also be advised that this is my third attempt, 120 days no response, is a automatic delection. This company is in violation of 15usc 1681, no need for me to go into detail, and tell you the law your company knows for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report, with physical documents. I am sure that uou are aware, current federal case law which states that consumer reporting agency bear grave responsibilities to ensure the accuracy of the account they report report on their responsibility must consist of something more than parroting information received from other sources which means i never received any proof of this account so it has to be removed required by law. 30 days validation note section 1692g ( B ) collector must provide name/ address of orignal creditor if different from current creditor. Section 1692e ( 8 ) failure to communicate that a debt is disputed to the other reporting agencies the list just continues. This company has ignored my request to provide me with the documents thats in their files months ago. Its obvious this company can't this account, and under section 611 ( 5 ) ( A ) of the fcra tou are required to promptly all information including the big three credit bureaus which can not be verified. Sounds like a civil liability thats granted to me for negligent noncompliance section 617 state 's if you fail to comply with the federal law, i can pursue litigation to my right under thr FCRA, i truly demand this account to be removed immediately Sincerely XXXX XXXX
Product: Debt collection

I have sent this company multiple letters asking for them to verify the debt was said I owed I have copies of my certified letters and my tracking numbers of them receiving the letters.They never verified the debt that they said I owed also they are not licensed to practiced in Tennessee multiple credit laws have been broken and also this company have messed up my credit and in the process I want to sue because of the damages tat have been done.
Product: Mortgage

I was sent a tax bill and I ask RoundPoint mortgage to redo my escrow analysis XX/XX/2016 due to a decrease in taxes from a Homestead Exemption. They kept calling me and telling my mortgage payment was late for 4 months. They sent me a escrow analysis that was redone with a new payment amount due XX/XX/XXXX, that was still incorrect. I paid the money because I did not want them to negatively impact my credit score. I now get my new tax bill and its is less than half of what they are trying to make me pay for escrow. They kept telling me that they could not get in touch with the XXXX County Tax department in Texas. I also ask to speak to a supervisor 8 times between XX/XX/XXXX and XX/XX/XXXX and a supervisor was never available or ever called me back. I paid them over {$9000.00}, when my tax bill was only {$4600.00}. They have double charged me on my taxes and I want my money back immediately.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX SUBJECT : REQUEST TO ADD MISSING XXXX XXXX ACCOUNT TO EQUIFAX REPORT Dear Equifax Consumer Relations, I hope this letter finds you well. I am writing to bring to your attention a discrepancy that I have noticed in my credit report with Equifax. After thoroughly reviewing my credit reports from all three major credit reporting agencies, I have noticed that a specific account is correctly reported by XXXX but is missing from my Equifax report. 

Here are the details of the credit card account in question : Creditor : XXXX XXXX Account Number : XXXX Account Type : _ Date Opened : XX/XX/2013 Account Status : Open I would like to kindly request that you investigate this matter and include the account in my Equifax credit report. The accuracy and completeness of my credit report are crucial, as it directly impacts my financial credibility and access to various opportunities, including loans and credit facilities. 

Enclosed with this letter, please find copies of my credit report from XXXX, clearly indicating the presence of the credit card account. I believe that by rectifying this omission, my Equifax credit report will more accurately reflect my credit history. 

I understand the importance of maintaining accurate credit information, and I am confident that Equifax will take the necessary steps to ensure the completeness of my credit report. Please keep me informed of the progress of this request and provide me with written confirmation once the credit card account has been added to my Equifax report.
Product: Debt collection

I took a loan out with XXXX XXXX  back in XXXX and XXXX. The company wrote one of my loan off and placed in my credit report that both loan was paid off 100 %. I been un the impression that I was debt free from the company until I received an advertising letter in the mail saying I was being sued. I was in told shock and I started inquiring into this matter. I reached out to XXXX XXXX and the rep told my to file a dispute and a complaint. There was nothing she could do on her end the account is with Velocity. I then called Velocity and the Guy told me I would have to speak with their attorney. I tried to explain to him that no one has contacted me regarding this matter from this company. He replied I still have to talk to the attorney, I called their company and explained to the Rep that both accounts I had with XXXX XXXX has been reflecting in my credit report that I have paid both accounts off. I have been under the impression that both accounts were resolved until now. 
The Rep just told me that the law suit has been filed and there was nothing she could do. Very un professional. There was no ( let me look into this or call the company to see what we can do to resolve this. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number ****XXXX  and ****XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FOUND PUBLIC RECORD ON MY CREDIT REPORT IS INCORRECTLY PLACED ALONG WITH 8 ACCOUNTS IS NOT EVEN BELONG TO ME : 1- XXXX XXXX XXXX XXXX # XXXX 2-XXXX ACCOUNT # XXXX 3-XXXX ACCOUNT # XXXX 4-XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX 6- XXXX/XXXX ACCOUNT # XXXX 7- XXXX XXXX XXXX  ACCOUNT # XXXX 8-XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was checking my credit scores, I noticed there were quite a few errors on my equifax report. I tried calling them, but I could not get a person on the phone, so I tried contacting them via mail and I still have not gotten a response from them and that was back in XXXX. They have violated my rights by mishandling this situation and not following the procedure guidelines of the FCRA and by not responding within the CFPB 60 day response period. At this point I feel like I must take further action because they have failed to address and remove the erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 2nd attempt I am interested in processing disputes with Equifax to clear my credit report with the inaccurate information That it is showing. please delete an remove the items listed from my file.
Product: Debt collection

My original loan was with speedy cash. They sold the loan off to XXXX XXXXXXXX XXXX. I havent gotten any calls from XXXX XXXX up until now. I got few calls from blocked numbers stating that I had to make a payment or a payment arrangement that day otherwise they were going to file three complaints with the county that I live in and that I would be liable for the court fees. I asked them what the cause number was and they stated that it had not been filed yet, but that they would file it soon and I would be held liable for the fees. I said I needed to think about my options further. The next day I got a call from a woman stating that she was from the county that I lived in and that she would be contacting my employer and in person to serve the documents to me. I told her I would not be in town and she said that she would confirm that with my employer tomorrow and hung up. I was then given another voicemail from the alleged collection agency stating that because no one heard back from me I needed to contact them immediately. Otherwise they would be again filing these complaints in the county.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Ive asked each company to stop calling this is harassment and I would I like any debt it say I owe cleared however each company shows written off on my report and they are still trying to collect extra money from me after they have already reported the amounts as a lost to the IRS this is tax fraud
Product: Debt collection

I took a loan under title max for {$8000.00}. I paid paid back more than $ XXXX back to title max. They are still harassing me because I still owed them {$8000.00}. Even tho I paid them more than 3 times what I borrowed. They calling me today harassing me that they are coming to tow my car. I been paying them now for almost a year never late nothing changed on the principle amount I owed. I am getting threats by the business and they want to come take my car that I need for work. Uploading the statement of all the payments I made to the business which is way more than what I borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$720.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXXXXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Dear ACIMA ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

I disputed an account with Chase Auto Finance with the XXXX major credit bureaus and directly with CAF The credit bureaus and CAF both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA. 

They are also listing different information across all XXXX credit reports which is also another violation of the FCRA since the information has been verified. 

XXXX is reporting a high credit of {$6300.00} while XXXX and XXXX are reporting a high credit of {$22000.00}. How can that be possible? 

Then the last reported date on XXXX is XX/XX/XXXX while on XXXX and XXXX are reporting the last reported date as XX/XX/XXXX. That means no real investigation was ever done when i submitted my disputes and just generic responses were given. 

I sent Chase Auto Finance two letters and they failed to properly validate or verify the account and denied to give me what I requested.