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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX
Product: Debt collection

You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol, you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  : {$880.00} XXXX XXXX XXXX XXXX XXXX  : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  : {$880.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of several charged-off accounts from my credit report per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). The inclusion of these accounts on my credit report not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that accurate and fair reporting of consumer credit information is maintained by credit reporting agencies. However, the charged-off accounts listed below fail to meet these standards and require urgent attention : Account Name : XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$1000.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$3700.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$750.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$750.00} written off. {$460.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : [ Account Number ] Recent Balance : {$4600.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$4600.00} written off. {$4600.00} past due as of XX/XX/XXXX. 

Furthermore, I assert that I have never received a 1099-C Form about any of the debts. These companies have utilized the alleged debts as tax write-offs without my knowledge or consent, further exacerbating the inaccuracies on my credit report. 

As per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action being pursued to enforce my rights under the FCRA. I trust that you will handle this matter with the urgency and attention it requires. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE ACCOUNTS AND INQUIRIES, BECAUSE ISNT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE APPEARING ON MY REPORT. 
I HAVE NEVER RECEIVED A COLLECTION LETTER FROM XXXX XXXX BEFORE SUBMITTING THE BELOW ACCOUNT AS A COLLECTION ACCOUNT TO YOUR BUREAU IN DIRECT VIOLATION OF THE FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) THIS ACCOUNT IS NOT MINE, AND I DEMAND IT TO BE DELETED. THIS ACCOUNT IS TO DELETE IS XXXX XXXX, XXXX, # XXXX. REFER TO THE ATTACHED IDENTITY THEFT POLICE REPORT. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
THIS ACCOUNT WAS NEVER LATE, REFER TO ACTUAL PAYMENT HISTORY AND THERE WHERE NEVER LATE PAYMENTS EVER MADE, REFER TO ATTACHED REPORT SHOWING CREDIT XXXX AND XXXX HISTORY WHICH SHOWS NO LATES. I DEMAND THAT YOUR AGENCY AMEND THIS ACCOUNT TO SHOW NEVER LATE IMMEDIATELY. THE NAME FOR THE ACCOUNT THAT YOU ARE REPORTING LATE HAS A DIFFERENT NAME FOR THE SAME ACCOUNT FROM XXXX, TRANSUNION AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with the negative items that are still showing up on my credit report. Despite my efforts to resolve these issues, they continue to negatively impact my credit score and financial well-being. 

Furthermore, I am deeply concerned about the fact that my personal information has been sold to other companies without my consent. This is a violation of my privacy and is illegal under the law. 

I urge you to take immediate action to remove the negative items from my credit report and to ensure that my personal information is not shared with any other companies without my explicit consent. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I called to close this account, XXXX XXXX XXXX, and I got a letter in the mail stating that any automatic charges may be accepted and billed. I had a fraudulent charge ( only {$9.00} ), but thats why I closed it and should any more false charges happen they seem to think its my responsibility. CLOSED should mean CLOSED. This is simply a nasty way for a credit card company to potentially make more money on interest, and billing me. Simply not acceptable
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed several discrepancies for XXXX XXXX. Several different Account names 2. Different Account Types 3. Different Status 4. Different Responsibility 5. Incomplete/ Inconsistent Payment history 6. Different Contact Phone # 7. Different Comments I have disputed this information with the bureaus several times & it is coming back as Verified and accurate. How is this information being verified and reporting accurate if its reporting different on each credit report? In result to these inconsistent, inaccurate & incomplete derogatory marks I have been denied funding. 
This is Violation of : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character. 
Negligent 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 shall- ( i ) 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 has been modified or deleted from the file of the consumer.

I am requesting this account be removed from my credit report immediately!
Product: Credit reporting or other personal consumer reports

The mortgage loan is a business name yet they put the account on my personal account. They are not reporting the payment history correctly.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card

I requested a copy of my XXXX report. I noticed two inquiry on XXXX and XXXX. I asked them to delete and they said they would investigate. They have not done so thus far. From XXXX/Avant. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. As of XX/XX/24 Avant has not removed the XXXX Hard inquiry they agreed to do.
Product: Vehicle loan or lease

I paid {$780.00} from XX/XX/XXXX until XX/XX/XXXX. I also was in a XXXX XXXX XXXX as well with my vehicle loan From Flagship Credit Exceptence which was started in XX/XX/XXXX until XX/XX/XXXX. I was over charged on a vehicle loan from XXXX XXXX XXXX XXXX XXXX XXXX along with Flagship Credit Exceptence. The original amount of the vehicle when I purchased it was {$16000.00}. I put a down payment of {$4800.00}. from my under standing Flagship was over charging me for the loan because of my low credit score.And I keep getting threatening and harassment calls from Flagship Credit Exceptence collections and repo department. Flagship says I I owe {$29000.00} for the car. I know I don't
Product: Credit card or prepaid card

Hello! 
I had my Chace Freedom Card was more charging, unauthorized {$230.00} amount. 
From XXXX XXXX XXXX on XX/XX/2022 year .I disputed with representative many times with not success to avoid this money. 
I add all the information about my Complaint. 
Sincerity, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account is on my bureau. However the original creditor has been paid. I sent Transunion a copy of the receipt from the original creditor and a copy of my credit card stmt showing payment. They say the collection account has been verified. Kind of hard to verify a collection account when the original creditor has been paid.
Product: Debt collection

My XXXX  XXXX XXXX account was cleared to XXXX but a fraudulent group impersonating a collections company, named Credence, has contacted me multiple times by phone and mail asking for me to pay my debt to prevent any legal issues.
Product: Mortgage

In XXXX XX/XX/2015 my wife & I were pre-qualified for a new primary residence home mortgage through Bank of America. We found a home we wanted to purchase & on XXXX/XXXX/XX/XX/2015 our offer on a new home was accepted by the sellers with a close date of XXXX. We immediately forwarded all the information to BofA to start the loan process. We provided all information that the bank requested and responded to them with any additional document requests the same day they requested them. Our closing date came & went and they only explanation we were provided was that our file was very complicated. On Tuesday XXXX/XXXX/XX/XX/2015 we were finally told that our loan had been 100 % approved. On Wednesday XXXX/XXXX/XX/XX/2015 the bank then informed me that not only was the loan not approved yet, but they wanted an additional {$140000.00} of liquid assets in order to close. After speaking with the bank, they then amended the requirement to {$15000.00}. I was able to come up with the additional assets that they required the same day & now it is Friday XXXX/XXXX/XX/XX/2015 and I still have no answers from the bank other than the file is in underwriting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a car from the dealership and I discover that there were hard inquiries on my credit report. These are the inquiries that are errors in my report : US SM BUS ADMIN ODA INQUIRY DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items 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 DE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. The findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving its users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report I found late payments that I want to get removed from my credit record. According to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit as per the law there should have no late payments in my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting incorrectly I have attached a letter showing items that need to be verified asked to have this removed
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at AMERASSIST AR. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also AMERASSIST or the company they represent never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified AMERASSIST AR that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
Product: Credit card or prepaid card

I have asked the company to lower my 29.99 % interest rate. I pay on time and I have

a high credit score. I can never pay down this balance with this high rate.
Product: Credit reporting or other personal consumer reports

Complaint against LVNV Funding LLC for their blatant violation of the Fair Credit Reporting Act ( FCRA ), as evidenced by their inaccurate and incomplete reporting on my credit report. This violation has caused significant harm to my financial well-being and has infringed upon my rights as a consumer. 

Upon reviewing my credit report, I have discovered numerous discrepancies and inaccuracies within the information provided by LVNV Funding LLC. Moreover, the information differs and is incomplete across the three major credit reporting agenciesXXXX, XXXX, and XXXX. Despite my efforts to rectify these errors by sending dispute letters to both LVNV Funding LLC and the credit reporting agencies, I have yet to receive a satisfactory response from LVNV Funding LLC. Meanwhile, they have updated and verified the inaccurate information with the credit agencies, further exacerbating the damage to my credit profile. 

The violations committed by LVNV Funding LLC include, but are not limited to : Inconsistent Date of Last Payment : LVNV Funding LLC has inconsistently reported the date of the last payment, which has the effect of illegally re-aging the account and misleading potential creditors about the actual status of the debt. 

Misreported Date Accounts Opened : LVNV Funding LLC has inaccurately reported the date accounts were opened, which again constitutes re-aging the account and violates the provisions of the FCRA. 

Incorrect Account Status : LVNV Funding LLC has falsely reported accounts as open when they are, in fact, in collections. This misrepresentation of the account status is a violation of the FCRA and has a detrimental impact on my creditworthiness. 

Incorrect Payment History Reporting : Collections accounts should not report a payment history, yet LVNV Funding LLC has inaccurately reported payment history information on these accounts, further damaging my credit report. 

Additionally, LVNV Funding LLC has included three false derogatory accounts on my Equifax credit profile, further impacting my creditworthiness and violating my consumer rights. 


Furthermore, LVNV Funding LLC has failed to provide me with a written response detailing the methods used to verify the disputed information, as required by the FCRA. This lack of response demonstrates their disregard for consumer rights and their obligations under federal law. 

The FCRA mandates that consumer reporting agencies and furnishers of information, such as LVNV Funding LLC, ensure the accuracy and completeness of the information they report. By failing to adhere to these requirements, LVNV Funding LLC has violated the following sections of the FCRA : Section 623 : Responsibilities of furnishers of information to consumer reporting agencies. 
Section 616 : Civil liability for willful noncompliance. 
Section 617 : Civil liability for negligent noncompliance.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report that I found this morning, and Im at a complete loss as to why. I checked my report like I always do, but there are errors that wont go away, even after refreshing the browser. Im really upset about this and need this situation resolved immediately by carefully reviewing the documents Ive provided.
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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and 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 reporting or other personal consumer reports

I am writing to a file a complaint regarding charge-offs listed on my credit report. These charge offs should be removed from my credit report and any associated negative impact on my credit report. Code 15 USC 1681e ( b ) supports my reasoning. XXXX XXXX XXXX XXXXXXXX the account was closed on XX/XX/XXXX the debt is {$4000.00} and was charged off as a bad debt and canceled by credit grantor and sold, XXXX XXXX XXXX XXXX closed on XXXX XXXX charged off as a bad debt and canceled by credit grantor and sold, the debt is {$2500.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX charged off as a bad debt Profit and loss write off the debt {$14000.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX canceled by credit grantor, the debt is XXXX. I was not provided with a form 1099-C for the canceled debt, which is mandatory under IRS regulations . This further complicates the situation and highlights the need for a thorough investigation into the accuracy of the reported charge-offs. I am seeking the removal of the charge-offs and any associated negative impact on my credit score.