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

The company is Equifax I have filed a complaint before an they are still saying I have delinquent credit card balance and I dont I dont understand why they keep lowering my score when I have excellent pay history but it states on my report I just looked at credit card delinquent can u please resolve this for me U raise my grandchildren after my daughter passed away an trying to but. Home I cant with these reports XXXX is lowering my score an I have excellent pay I dont understand how they can do this they ruin people Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. I have not received a response from this credit bureau nor the XXXX of these accounts. Therefore, since this dispute has not been resolved within 30 days under the FCRA, those accounts and the inaccurate information that were in my dispute letters must be deleted from my credit report. 

My personal information includes : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX Last XXXX of XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, AMERICREDIT, XXXX XXXX and XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the reporting of charge-offs on multiple accounts in my credit report dated XX/XX/year>. I recently made payments on these accounts in XX/XX/year>, but my report does not reflect these updates. Given these discrepancies, I am requesting the deletion of the charge-off status on the following accounts : Accounts in Question : XXXX  XXXX Account Number ( Masked ) : XXXX Balance : {$11000.00} Pay Status : Charge-off XXXX  XXXX Account Number ( Masked ) : XXXX Balance : {$1500.00} Pay Status : Charge-off XXXX  XXXX Account Number ( Masked ) : XXXX Balance : {$1200.00} Pay Status : Charge-off JPMCB Card Services Account Number ( Masked ) : XXXX Balance : {$1900.00} Pay Status : Charge-off Under the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ), creditors are required to furnish accurate and updated information to the credit reporting agencies. The failure to reflect my recent payments on these accounts violates this requirement, resulting in incomplete and misleading information on my report. 

In light of these inaccuracies, I am requesting the deletion of the charge-off statuses on these accounts to prevent further negative impact on my credit history. I expect a response within 30 days regarding the results of your investigation, as mandated by FCRA guidelines. 

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

I am filing a complaint against XXXX, XXXX, and TransUnion for their refusal to correct inaccuracies on my credit reports. As a victim of identity theft following several data breaches, including XXXX, I have been severely impacted by these issues. 

Despite submitting proof of my correct name, the bureaus continue to list my name incorrectly as " XXXX XXXX '' and even " XXXX XXXX '' on several fraudulent accounts. I have repeatedly requested they remove these inaccurate names, yet the bureaus persist in showing them as also known as names on my reports. Additionally, several fraudulent accounts opened under these incorrect names remain on my reports, damaging my credit
Product: Checking or savings account

I open a XXXX account with months they closed my account accusing me of fraud not once I conducted fraudulent transactions or activity i have called them and no help i went there and got my remaining balance and I found out from XXXX lots of people had same issues especially XXXX peoples still now XXXX had refused to let me know why or proof that i did fraud
Product: Debt collection

XXXX XXXX XXXX ( Account No. 
XXXX ) Personal Information : - Name : XXXX XXXX - Date of Birth : XX/XX/year>XXXX  - Address : XXXX XXXX XXXX, XXXX, MI XXXX - Phone Number : XXXX - Email : XXXX Dear XXXX  Dispute Department, I am writing to formally dispute an inaccurate and fraudulent account that remains on my XXXX credit report. The account in question is with XXXX XXXX XXXX ( Account No. 
XXXX ), which was fraudulently opened in my name. This account was recently investigated by XXXX and subsequently removed from my XXXX credit report due to its fraudulent nature. However, it is still appearing on my XXXX credit file. 

Additionally, this account has been charged off, meaning the creditor has already been paid, and therefore it should not be negatively impacting my credit report. 
As this account was not opened by me and is fraudulent, I request that XXXX conduct an immediate investigation into this matter and remove it from my credit report. I have attached the following documents to support my dispute : 1. A copy of my XXXX credit report showing the removal of this fraudulent account. 
2. A copy of my government-issued ID for identity verification ( see attached ). 
3. A screenshot of the XXXX dispute results showing that this account was deleted ( see attached ). 
Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to conduct a timely investigation and remove inaccurate or fraudulent information from my credit file. I kindly request written confirmation once this account has been deleted from my report. 
Please investigate and resolve this matter as soon as possible. You may contact me at XXXX or XXXX if you require any additional information.
Product: Credit reporting or other personal consumer reports

In 2017 a credit card was opened fraudulently in my name with XXXX XXXX. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with XXXX XXXX since then with no luck even with a police report that I provided to them and added to my credit file with Equifax, XXXX, and XXXX as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru XXXX XXXX, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in 2017 when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. XXXX XXXX said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit XXXX XXXX was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING A HARD TIME GETTING MY CURRENT ADDRESS PLACED ON MY CREDIT REPORT FROM THE CREDIT BUREAUS.
Product: Credit reporting or other personal consumer reports

I have disputed an account with XXXX as fraud, sent certified letter, uploaded to their server, and followed all their polices for fraudulent and inaccurate info. They will not remove the information and they won't do anything except send me in circles. They are violating my consumer rights and they are failing to provide accurate information on my report which is keeping me from purchasing a home or obtaining credit. This is the worst experience I have ever dealt with. It's been over 30 days and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE IN THE REGARD OF TO THE INCORRECT ITEMS ON MY CREDIT REPORT AND THE INVESTIGATION TOOK WELL OVER 30 DAYS.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated and annoyed with Experian for not being able to display accurate information on my credit report. A copy of a XX/XX/XXXX report is attached for viewing. 

The report shows " Serious Delinquency - Lack of Recent Installment Loan Information, Number of Accounts with Delinquency, too Few Accounts Currently as Paid. 

All of this information is incorrect, and I have filed with this XXXX on the same issue with Experian, but they have not fixed it, and as a result, it is creating serious damage to my credit history. 

Keep in mind, Experian is the only credit bureau that fails to get it right. XXXX and XXXX are reporting accurate information. None of the above incorrect information appears on my credit file- with XXXX and XXXX with the exception when it comes to Experian. 

Keep in mind I have NEVER been late on any payments and have a history of on-time payments for over fifteen years ; as a result had a score of XXXX, and because XXXX XXXX XXXX demanded I make additional monies- such as {$350.00} for two credit cards with them, left me with no choice but to file XXXX XXXX in XXXX and then afterward was still making payments to creditors - not fully understanding the process of XXXX XXXX. Today, I have 10 months left of a five-year plan- {$800.00} a month. 

Experian- get it right. I am so sick and tired of you not accurately reporting the status of my credit file. It's obvious there is something wrong when you ( Experian ) are the only reporting agency incorrectly reporting my credit.
Product: Mortgage

In XX/XX/XXXX I requested a review and paid the associated fee with XXXX XXXX XXXX ( the servicing company at the time ). I called many times asking about the appraiser coming to my home or the option of having my money returned. In XXXX of XXXX, after no solution and multiple contacts, I decided to reinitiate and again paid a new higher fee to have my home and account reviewed for the removal of PMI, no action from the servicing company occurred. In XXXX of XXXX, I was notified that my loan had been transferred to Newrez. After the transfer settled I contacted Newrez who confirmed that they saw the funds and requested PMI removal from the prior servicer ( XXXX XXXX XXXX ), however, I would need to reinitiate the request for PMI removal and pay a new fee with them. I submitted the required documentation and fee ( my bank demonstrates the check was deposited on XX/XX/XXXX ) and advised I would have a response in 30 business days. I contacted them the second week of XXXX and was advised there was no status update, and I contacted them today XX/XX/XXXX, again nothing showing on the status. Each time I called Newrez or XXXX XXXX, I was told they had submitted an inquiry on the status update, and that it was up to XXXX XXXX. As of tomorrow, XX/XX/XXXX, it will be a year, I have been attempting to get an appraisal or BPO for the removal of the PMI from the two servicing companies for over {$600.00} spent and no response to removal or not, and they have held the funds associated with the PMI request.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX was filed XX/XX/2022 and was granted on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX was included in the XXXX  XXXX, and they have been continuing to report since the final judgement. I would like all the late payments and negative remarks from XXXX during the two year period they were reporting to my credit company removed expeditiously, due to fraudulent and inaccurate reporting and its continuous damage to my Experian credit report.
Product: Mortgage

There is no resolve to my issues with Shell point mortgage also known as loan care also known as New res. They tell me that they can't cross reference when they change names and the extra payments that I have made to principal only are sitting as unapplied not amortizing positively as they should be. They are not reporting my good credit for the past 20 years or so that I've had this loan to the credit reporting agencies. And they will not fix the accounting problem after completely admitting that everything I'm telling you is true.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account number : XXXX  please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

I'm writing to report a serious case of identity theft that has recently come to my attention. An unknown individual has fraudulently used my personal information to finance a vehicle without my knowledge or consent. I was shocked to discover this unauthorized use of my identity. The realization that someone had access to my private information and used it for illegal purposes has left me feeling violated and vulnerable. 
I want to emphasize that I did not authorize this purchase through Santander Consumer Bank, nor do I have any knowledge of or connection to the vehicle in question. This fraudulent activity has placed a significant burden on me, both emotionally and financially. I'm deeply concerned about the impact this may have on my credit score and financial standing. I'm reaching out to you now to dispute this fraudulent lease and to seek your assistance in rectifying this situation.
Product: Credit reporting or other personal consumer reports

Upon meticulous review of my consumer report, I have uncovered egregious transgressions under the Fair Credit Billing Act. These violations, including the unauthorized dissemination of my personal information and the reporting of late payments without my explicit consent, have inflicted profound and irreparable harm to my creditworthiness and financial standing. As a direct result of these actions, I have suffered significant obstacles in accessing essential financial services and opportunities, severely impacting my livelihood and prospects.

It is imperative to underscore the stringent requirements outlined in statutes such as 15 U.S. Code 1681 and 12 CFR 1016.7, which unequivocally emphasize the paramount importance of accuracy, fairness, and privacy in consumer reporting. The wanton disregard for these fundamental principles not only constitutes a blatant breach of federal law but also undermines the very fabric of consumer protection and financial integrity.

Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681-1681x, expressly affords consumers the right to dispute inaccurate information on their credit reports. Any derogatory information that is inaccurate, outdated, or unverifiable must be promptly rectified or removed to preserve the integrity of the credit reporting system. Failure to adhere to these statutory obligations not only erodes trust in the financial system but also exposes XXXX, XXXX. to significant legal and reputational repercussions. 

Moreover, the unauthorized disclosure of my personal information constitutes a reprehensible violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6802. This act unequivocally mandates financial institutions to uphold the utmost confidentiality and security of consumers ' personal information. XXXX, XXXX. 's blatant disregard for these statutory imperatives not only reflects a callous indifference to consumer rights but also underscores a flagrant disregard for ethical and legal norms. 

I demand immediate and unequivocal cessation of these unlawful practices and the expeditious removal of any derogatory information reported without my explicit authorization. Failure to comply with these directives will not only precipitate severe reputational damage but also expose XXXX, XXXX. to substantial legal liabilities, including but not limited to civil penalties and punitive damages. 

I urge you to heed this admonition and take swift corrective action to rectify these egregious violations. The gravity of this matter can not be overstated, as each moment of inaction perpetuates unwarranted harm to my financial well-being and undermines the integrity of the credit reporting system. 

Your prompt and decisive response to this urgent matter is not only warranted but also imperative. I trust in your commitment to upholding consumer rights and ensuring accountability for these grievous transgressions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had nothing to do with this account or inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRIES WAS NOT AUTHORIZED BY ME. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is submitted in direct response to Consumer Profile Confirmation # XXXX, which I received from Equifax on XX/XX/XXXX. After reviewing my credit report, I am formally disputing the following accounts as inaccurate, unverifiable, and fraudulent, and I am demanding their immediate and permanent deletion from my credit file : DISPUTED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to conduct a complete and reasonable investigation into these disputed accounts. Relying on automated verification systems such as e-Oscar is NOT sufficient under the law and will constitute a direct violation. 

As ruled in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), credit reporting agencies must conduct independent investigations and can not simply accept data from furnishers without verification. 

Under 15 U.S.C. 1681s-2 ( a ) and ( b ), both furnishers and credit bureaus are prohibited from reporting information they knowor should knowis inaccurate, and they must delete or correct unverifiable data. 

In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at XXXX, the court confirmed the shared responsibility between furnishers and credit bureaus to maintain accuracy and integrity of the information reported. 

Furthermore, per Regulation F, I demand complete chain of ownership documentation for each of these accounts, including original signed contracts, full payment histories, and legal transfer documents demonstrating an unbroken chain of title. Failure to provide this will require immediate deletion of the accounts from my credit file. 

Due to Equifaxs failure to safeguard my personal information in the XX/XX/XXXX data breach ( XXXX # XXXX ), I have no confidence in the integrity of your data reporting, further supporting the necessity of removing these unverifiable accounts. 

If Equifax fails to comply within 30 calendar days of receipt of this letter, I will proceed with : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 
Filing legal action against Equifax for willful and negligent noncompliance with the FCRA, seeking maximum statutory damages of {$1000.00} per violation, punitive damages, and attorneys fees. 
Publicly exposing Equifaxs continued negligence through national media, consumer protection organizations, and online platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit reports I discovered inaccuracies on ny reports. I reached out to these companies to verify accuracy with dates opened, dates closed and reporting dates and amounts. 
15 usc 1681 sec 1 states I have the right to privacy 15 use 1681 sec 2 states consumer agency credit can not furnish account info without written instructions. 
My account information was shared with other companies without my consent also information such as dates and amounts are inconsistent.
Product: Credit reporting or other personal consumer reports

Contacted dell customer care services to request goodwill removal information. Frontline representatives were extremely rude so I further requested to speak to a supervisor, she was respectful and understanding enough to recommend that I file a dispute. I informed the supervisor a dispute was made, I followed to ask if they could remove my late payments as Ive shown a positive payment history as a long time member, and sadly was denied. XX/XX/year>