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

In my last complaint, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$14000.00}
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. 



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 XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a fraudulent account on my report. The account reporting was fraudulently established by my ex-wife without my consent. The name on the account reporting is XX/XX/XXXXXXXX XXXX ) for {$200.00}.
Product: Credit reporting or other personal consumer reports

Fraudulent Activity on Credit File To Whom It May Concern, I am writing to report fraudulent activity on my credit file, which has been ongoing since XXXX. Despite numerous disputes and reports to the police department, the unauthorized transactions and personal information remain on my record. 
The fraudulent activity includes [ list specific transactions or accounts ]. I have consistently disputed these entries, providing documentation and verification of my identity. However, the credit reporting agencies have failed to remove the inaccurate information. 
Furthermore, I believe my personal information has been compromised and sold, as I continue to receive unsolicited offers and notices related to these fraudulent accounts. 
I request immediate attention to rectify this situation, remove the fraudulent activity, and take measures to protect my credit information.
Product: Credit reporting or other personal consumer reports

I asked TransUnion to fix the below error on my credit report & to send me a corrected report but they haven't : ( The below account was never paid late so I asked Transunion to remove the late payments but they haven't : ( It doesn't appear on my other XXXX credit bureau reports! ( screenshot attached ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Pay Status : Transferred, was XXXX  days past due date ( THIS IS INCORRECT, WAS NEVER LATE )
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts affect my credit report, please remove these accounts.
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. 
XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXX collection agency and services. has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

Subject : Dispute of Inaccurate Inquiry on Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute an inaccurate hard inquiry that appears on my credit report. The inquiry in question is from ONEMAIN, dated XX/XX/year>. I did not authorize this inquiry, and it is negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. I kindly request that you remove the unauthorized inquiry from my report. 

Enclosed, you will find a copy of my credit report highlighting the disputed inquiry, along with a copy of my identification for verification purposes. Please provide me with written confirmation once the inquiry has been removed. 

I appreciate your prompt attention to this matter. Please respond within the timeframe required by the FCRA. You may contact me at the phone number or email provided above if you require further information. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

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 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 Theses inquiries are on my credit report that Im am not aware of
Product: Other financial service

I received a card in the mail with Core Advisory Group 's phone number ( no name ) advertising home loan modification back in XXXX of 2016. spoke with a case manager XXXX gave him all my info. And explained that I have been denied for a mod on my loan in the past. He explained that they work with government agencies to force lenders to do a loan mods. I signed up for a total of {$2400.00} All they did was send out a few emails and and made some phone calls but got no results what so ever. sale on house was temporary stopped only because i filled a complaint with lender 's fraud dept. All my credit card closed due to backruptcy scheme that they practice through a third part.All i got from them was a bunch of broken promises, lot of lies, unaswered and unreturned calls, bad credit, stress and a huge financial lost and I sill lost my house. Core advisory Group had cease and desist order in Texas where i live at the time of signing and should not have collected money up front for these type of service. This company use to go by colleagues in law which has been accused of same practices and closed and as seen on their reconciliation form acknodwlede affiliation.They are a fraud and need to be stopped.Please help me get my money back!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information.

The account in question is as follows : 1. Account Name : XXXXXXXX XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX  The balance currently being reported is inaccurate and potentially unlawful. Per Gugger v. USAA Federal Bank, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

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

In Accordance with the fair credit reporting act XXXX, XXXX, Equifax has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT XXXX XXXX FOR ANY PURPOSE I recently reviewed my credit profile and noticed inaccuracies and incomplete information and account that are un-verified. according to the fair credit report act section 611 ( 5 ) A OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPETE PR WHICH CAN NOT BE verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i every single one even each any or all the unproven, non-complaints incomplete untrue incorrect and or unverified aspects of any alleged derogatory accounts must be negated in its entirety or alleged accounts are to be deleted. 

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete untimely not mine not mt responsibility or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately. 


The infractions are as follows. 


Alleging creditor and account as is reported as having late payments my credit report. 



I am demanding that this account be updated to paid as agreed and never late. 


By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the CRSA enacted CDIA metro 2 COMPLIANCE regulations I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting on my XXXX XXXX account ( # XXXX ) reflected in my Equifax credit report. Despite XXXX prior disputes filed on XX/XX/XXXX and XX/XX/XXXX, no corrections have been made to this account. The continued inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). The account also has discrepancies and errors in its reporting dates, payment history, and balance details, which are outlined below : Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Account Status : Open Payment Status : Current Monthly Payment : {$680.00} Two-Year Payment History : Reflects an inaccurate XXXX late payment for XX/XX/XXXX. 
Discrepancies : Date Inconsistencies : The " Date of Last Activity '' ( XX/XX/XXXX ) and " Date Reported '' conflict with payment history records, indicating incorrect reporting. 
Inaccurate XXXX XXXX : The XXXX late payment for XX/XX/XXXX is inaccurate and unsupported by payment records. 
XXXX XXXX : The balance of {$18000.00} differs from the amounts reported to XXXX and XXXX for the same account. 
Relevant Legal Violations : FCRA ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct inaccuracies promptly. 
TILA ( 15 U.S.C. 1666b ) : Mandates that creditors send periodic statements at least 21 days before the due date, ensuring no unfair penalties for consumers. 
PAANL : Reinforces creditors ' responsibilities to provide accurate, timely statements to protect consumers from erroneous reporting. 
Desired Resolution : Immediate removal of the inaccurate XXXX late payment from my credit report. 
Written confirmation of the corrections made. 
Assurance that this account will be reported accurately in the future. 
I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to address these inaccuracies. If these issues are not resolved promptly, I will consider escalating the matter further, including legal action. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an unemployment claim through the state of Nevada. Nevada pays weekly claims into an account ran by Bank of America who also provides a debit card. On XX/XX/2021 I attempted to login into my account in order to transfer money to pay upcoming monthly bills and rent. Upon logging in I was told my account was frozen and to call BofA customer service.

When I called BofA customer service they gave me no information in regards to why I could not access my funds and told me to contact my " sponsor '' which would be the State of Nevada. When I finally got through to Nevada I was told they did not initiate any kind of freeze and was then informed BofA is taking it upon themselves to freeze accounts. Nevada DETR requested that I send in some documentation for identity verification purposes and they would begin the process of getting BofA to unfreeze my account. 

On XX/XX/XXXX I called BofA customer service again to try and understand why they froze my account, and ask if there was any fraud detected, and if so why wasn't I notified. They again provided no information but to tell me to " contact my sponsor ''. They refuse to help me resolve this issue. I believe BofA are withholding my unemployment compensation in bad faith.
Product: Checking or savings account

My wife and I closed all associated accounts with PNC bank after a stolen purse. The afternoon the purse was stolen, we put a freeze on all account and fraud warning were issued. The following day we opened brand new accounts. XXXX  days after opening the new accounts, a bank teller at a branch XXXX hours away gave the fraudsters access to our new checking account using our closed checking account checks. They then let the fraudsters drive away with {$2500.00} of our money. It is now going on XXXX weeks and no one has any answers for us as to when we will receive our money back. The customer service is horrible. The local branch has no answers, the territory manager has no answers, the XXXX people I have talked with at executive consumer relations has no answers.
Product: Debt collection

It's all through the Portfolio company. my debts were canceled by the original creditor, but Im still getting notifications that I owe they took me to court and it was dismissed. I provided the company with all those information but Im still getting harassment and threat to pay the debt that a little longer oh, and Ive been forgiven to pay.
Product: Credit reporting or other personal consumer reports

I urgently request the prompt removal of these unauthorized accounts from my XXXX XXXX. Their presence is XXXX, and I did not authorize them. Please rectify this immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureaus consumer report and I noticed some inaccurate information posted on my consumer report : XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XX/XX/year> XXXX XX/XX/year> 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 XXXXXX/XX/year>
Product: Mortgage

This complaint is related to ongoing issues I am having to finalizing a loan modification with Caliber Homes Loans, namely their poor communication tactics, and failure to properly receive and process payments. I have previously expressed concern with Caliber 's refusal to allow me to make ACH payments online, due to the fact that a couple checks I have sent them were either lost or stolen, and Caliber failed to inform me of those check 's status. Now I am concerned about losing the loan modification I was asked to make trial payments on, I have been attempting to communicate with them via the provided email ( XXXX ) and emails are frequently ignored, or if responded to are weeks late and do not address my concerns at all. There seems to be some disagreement between myself and Caliber as to the amount and schedule of payments due, and due to the refusal of Caliber to communicate with me or other parties involved, I am concerned about losing my home. 
My concerns were referred to the DOJ for mediation ( DOJ XXXX Complaint XXXX XXXX ) through the XXXX XXXX and I indicated I would be interested in participation in mediation with Caliber to reach a mutually beneficial resolution. Caliber failed to respond to this request and it has been considered a refusal to participate. They also frequently ignore a housing counselor at the VA who is trying to assist me, XXXX XXXX. This is an ongoing pattern with Caliber where they ignore people who I have asked for assistance, and it is virtually impossible to get any sort of transparency from them. 
I am also concerned by some of the information on Caliber 's website indicating they are a military and veteran friendly lender. I am a XXXX veteran and given the ongoing XXXX issues I have explained above, I find Caliber 's claim on their website that they are a " military friendly brand '' highly deceptive. Quite frankly I feel that Caliber is a predatory lender and their poor treatment of me and refusal to honor my requests for reasonable accommodation quite contradictory to the image they present on their website. I would never have chosen to do business with this company, but they bought my loan. Once I bring my account current, I want nothing more than to refinance with a lender who is trustworthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Experian has violated my rights concerning the following accounts XXXX XXXX  account # XXXX XXXX XXXX account # XXXX and account # XXXX 15 U.S.C. 1681 SECTION 602A. 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9200.00}, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX