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

I have asked the credit bureaus to produce original documentation with signatures validating that these account belongs to me. They have ignored that request and sent back messages stating " the account has been verified '' and did not provide proof over the verification nor the process of how they obtained the verification. They have also stated " the information sent in does not appear to have came from you or from someone that was authorized by you '' ; a stalling tactic and I sent in proper documentation to verify my identity. 

I am distressed and this is affecting my livelihood. I have missed out on financial deals and acquiring assets because of inaccurate and fraudulent reporting on my consumer reports and at this point I have sought legal counsel and will continue with that process if this issues isn't remedied. 

There is personal information that is not accurate and there are accounts that I have no knowledge of. 

accounts : XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX ; {$9800.00} XXXX XXXX  Date : XX/XX/XXXX, XX/XX/XXXX ; {$6600.00} XXXX XXXX. Date XX/XX/XXXX, XX/XX/XXXX ; {$10000.00}, {$10000.00} XXXX XXXX XXXX Date : XX/XX/XXXX ; {$9800.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX ; {$800.00} XXXX  Date : XX/XX/XXXX ; {$930.00} Personal Information : XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( I've never lived at any of these addresses ) Employment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I do not work here inquiries : XXXX  Date : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX Please delete all of this inaccurate information
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : I made my payment on time, and the late payment reporting is incorrect. I have attached my bank statements and payment confirmation showing the payment was processed well before the due date. 
Clerical Error : There seems to be a data entry error. The amount listed does not match my payment history. The payment was processed but erroneously marked as late. This needs to be corrected. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

You stated that you did you investigation on XXXX XXXX XXXX as they are reporting negatively on my credit report but where is your proof of that verification? Pursuant to 15 usc 1681a ( e ) whom have you interviewed? I want for you to provide me the actual facts of whom you have interviewed regarding this alleged debt because the definition of an investigative consumer report says you shall obtained information through personal interviews However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. I am requesting proof of this. If you can not provide proof of the interviews you conducted within your investigation you said you did on XXXX XXXX XXXX then you shall remove XXXX credit from my credit report immediately. According to 15 usc 1681i ( 5 ) ( A ) ( ii ) you shall promptly delete that item of information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of a charge-off entry from my credit report. The charge-off in question is negatively impacting my credit score and financial standing. 

I have enclosed a copy of my credit report highlighting the charge-off entry for your reference. 

I understand the importance of accurate reporting on credit reports, and I believe that this charge-off entry is inaccurate. 

I request the following actions be taken : Immediate Removal of the Charge-Off Entry : Conduct a thorough investigation into the charge-off entry listed on my credit report and remove it promptly if found to be inaccurate or outdated. 

Enhanced Communication Channels : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the inaccuracies. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address this inaccuracy. I am asking for your assisstance to remove othese accounts in my credit file : XXXX  XXXX Balance : {$250.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Checking or savings account

CD @ Wells Fargo was suppose to close during grace period per call on XX/XX/XXXX to their XXXX XXXX in XXXX SC .... They renewed $ XXXX@ .03 % ... which I feel is fraud! 
Case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Line of Credit Contract Number XXXX is missing payment history information and the balance owed is incorrect. 

The payment history should be updated and the actual balance remaining should reflect XXXX. 

II. My address should also be updated to reflect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I mailed in the address request XX/XX/XXXX  and it is not reflected in the system with any of the credit bureaus.
Product: Credit card

Capital One hid from me the fact I would lose XXXX airline miles when I cancelled my $ XXXX membership Capital One card ( to get double miles ). Three days later, I realized I had n't redeemed them and called. They were sorry but the account was closed. But, they could offer me {$1100.00} or XXXX equivalent points for hotels thru XXXX. I took the latter. However, upon redemption of my " points, '' identified on the card in dollar amounts I discovered any balance or remainder was forfeited or lost. Using a {$200.00} card, for example, if the charge was {$90.00}, I lost {$110.00}. The remainder was forfeited by Capital One/XXXX without my knowledge or agreement. 
These XXXX companies have attempted to defraud me of approximately {$600.00}. 
Fortunately, XXXX CC is aware of these companies. 
Fundamentally, the equivalent value is somewhat skewed. 
XXXX airline miles, taken from me without my knowledge, is worth much more than was was offered me by Capital One. 
They have defrauded me along with their partner, XXXX. 

To add insult to injury, XXXX, partnered with Capital One, have charged my credit card account for additional funds without my knowledge or approval. 
As soon as I notified my CC company, XXXX, they almost chuckled as they immediately agreed with me, fraud. 
No questions asked. 
Apparently these XXXX companies have a reputation for this sort of thing.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XX/XX/XXXX - {$25000.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$110.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Amount {$1100.00} Date Unknown Hi, I have tried countless times to dispute the issue with LVNV and XXXX every time I call and provide my information they tell me that they can't help me because the social security number they have does not match my account however they continue to report this account on my credit report. They even told me that the social security does not match it has my name and therefore I am responsible for the account LVNV Funding LLC RE : Validation Requested RE : Account # XXXX To whom it may Concern, I dispute your claim and I am requesting validation from you under the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide a breakdown of fees including how you calculated what you claim I owe. Please provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Please send this information to my address and accept this letter as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.
Product: Debt collection

I am unaware of those debt I didnt have the opportunity to take care of this before they put it on my report if in fact you believe gave me proper notification then please send me the certified receipt with my signature on it and send me the method of validation and I am requesting the Foward Flow Agreement According to 12CFR 1006.34 ( b ) ( 5 ) I did not give them permission to place anything on my credit report 12CFR1006.34 ( c ) ( 4 ) ( i ) ,12CFR1006.34 ( d ) and 15usc 1681s-2 ( 7 ) A my civil liability are being violated, my privacy Defamation of character mental Anguish.Also I am requesting proof that they are licensed and bonded.
Product: Mortgage

Received a letter from Nationstar Mortgage stating that our homeowners hazard insurance had expired. Contacted insurance company who confirmed that coverage was continuing. Sent email to Nationstar with copy of declarations page asking them if property was sill covered. No response to date after XXXX emails. Can not express how distressing this has become.
Product: Debt collection

XXXX XXXX XXXX, SS # XXXX, XXXX XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX Experian , and Equifax credit reporting agency . I request that you ( CFPB ) block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

In accordance with the Fair Credit Reporting act, these in accurate accounts consist of collections such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

All the accounts are falsely listed with wrong dates and account numbers on my Experian, XXXX XXXX and Equifax consumer credit profile. Most things were already removed but added back on! I would like these hard inquiries deleted with in 4 days of receiving this complaint. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017     Fair Collections and Out    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , MD.  XXXX  To Whom It  May Concern : Th is letter is regarding account # xxxxxxxxx, which you claim I owe {$4000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some  contractual obligation to pay you.   Please also be aware that any negative mark found on my credit reports ( including  XXXX ,   XXXX   and   XXXX    ) from y our company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.   Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for :   1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX have violated my rights. 

15 U.S.C1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A, section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I MADE A PAYMENT OF {$800.00} FOR MY CREDIT CARD HSBC ( XXXX XXXX ) THROUGH MY XXXX CHECKING ACCOUNT. XXXX XXXX TOOK OUT {$800.00} FROM MY CHECKING ACCOUNT ON XX/XX/XXXX. I CALLED XXXX XXXX  ON XX/XX/XXXX, THEY DID NOT RECEIVE IT. HSBC HAD VERY BAD CUSTOMER SERVICE.MOST OF CALLS GOES OUT OF USA. ONE CALLS TAKES MORE THAN 30 MINS. XXXX XXXX   EMPLOYEES DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER. HSBC HAD DONE SIMILAR MISTAKE EARLIER ALSO.
Product: Credit reporting or other personal consumer reports

XXXX XXXX my private student loan XX/XX/year>. I received a discharge letter XX/XX/year> and XXXX removed my XXXX XXXX XXXX loans as if they never existed instead of reporting them closed and paid. Their action decimated my credit profile by dropping my score XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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, credit repair services, or other personal consumer reports

All 5 HARD INQUIRIES ARE FRAUD. THEY WERE PUT ON ACCOUNT WHEN IT WAS FROZEN AND WENT THROUGH ANYWAYS. 
1. XXXX XXXX 2.XXXX  XXXX 3.XXXX XXXX. 
4. XXXX XXXXXXXX XXXX 5.XXXX  All 5 hard inquiries are fraud and we're pushed through when file was frozen. 

They did not follow federal law with FCRA SECTION 609 AND 611. It is so sad they took company to XXXX we're they do nothing for your credit even if customer. They locked me out so I can't even look at account. It is shameful are credit is in place were they don't listen and don't follow American federal law. FRCA is nothing to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Consumer Loan

When working on building my credit, I took out a loan from Lendmark Financial in XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new one. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off in XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment in XX/XX/XXXX and two 30-day late payments as well. 

I have disputed this account several times with the credit bureaus, of which XXXX and XXXX WILL NOT remove the account, XXXX did on the first dispute. 

This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. 

The fact that XXXX and XXXX will not properly investigate the account is the primary issue. I 've contact Lendmark on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$280.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$73.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} Fraudulent Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

On XX/XX/2017 I received a welcome email for a SECURED credit card with XXXX XXXX, so I am assuming thats when the card was opened. My opening deposit was {$250.00}. I used the card and all of my {$250.00} and I didnt make any payments. Eventually the account was closed and turned over to a collection agency. 

They are stating that I owe {$210.00}. I feel I do not owe this money because credit was NEVER extended to me. I was told that whatever balance that was left on the account will be taken out of my {$250.00} and the rest returned to me. Ive disputed with the collection agency True Accord and they only sent me 5 statements as proof that I owe. I would like to see ALL statements from beginning to end. They email me constantly and insist I owe money. How can I owe when it was my money that was being used as credit???
Product: Credit reporting

I disputed a state tax lien from XXXX County Superior Court with identification number XXXX and I received notification from Experian that stated the account is reporting accurately. I disagree because the lien was vacated and according to information in my credit file it shows the lien has been paid and satisfied. I have tried to dispute this and keep receiving a message that says I am unable to dispute because it was previously updated from a dispute that I filed in 2012. There is no record of this lien on file with XXXX County Superior Court.
Product: Credit reporting or other personal consumer reports

This account is fraudulent, I was involved in an Equifax data Breach where my personal information was exposed. I need this account removed within 4 business days according to FRCA 605b that must follow.