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

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure on-time payments. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, the credit bureaus report 30-day late payments for my XXXX account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments. 
Payment History : This account history reflects a consistent record of timely payments. The 30-day late entries reported for XX/XX/year> ( XXXX ) XXXX XXXX and XX/XX/year> ( Experian ), and XX/XX/year> ( XXXX ) XXXX erroneous and do not align with my actual payment history. 
Attachments : A copy of my government-issued ID Social Security verification Relevant documentation, account statements, and any additional documents that substantiate my history of timely payments I expect to receive written confirmation of the removal of these erroneous late payment entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b and a serious breach of my privacy rights. 

Please validate this information with these. Companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefield and Associates has been been been doing negative reportings continously, back in XX/XX/XXXX and XX/XX/XXXX they kept on going with the collection calls, Ive asked multiple times ( over 3 times ) to the collection agency that I needed a copy of the statement in oder to take it to my attorney so that i can proof that the debt has been cleared through some legal standing. The collection agency continued with the calls, im still hers in XX/XX/XXXX still waiting on a response. I am sorry but i am not willing to give the collection agency 4 tries in order to just get a copy of my so called debt, they call, i verify, i request my bill, I even take anitiative to confirm my address myself in order to make sure they get it right. I should not have to keep checking up on them, i should have only asked once but they have failed to complete my request but continue to impact my hardworking credit score. I am so far in good standing 's with car payments on time, credit card payments on time but here i am stuck with the with this horrible company.
Product: Debt collection

I have been disputing this account for over XXXX months. I have asked for validation of this account when the account was first opened and closed and any other information about this account. XXXX months all I get back is debt has been verified.
Product: Debt collection

XXXX XXXX XXXX : XXXX XXXX. 

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 this fraudulent information within four business days of receipt of this complaint.

The following accounts, which I did not open or authorize, are fraudulent and should be removed from my report : A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 
A credit card account opened at XXXX on XX/XX/XXXX, under account number XXXX with a balance of {$150.00}. 
A utility installment account opened at XXXX on XX/XX/XXXX, under account number XXXX with a balance of {$190.00}. 

These accounts have resulted in several fraudulent collections and charge-offs appearing on my consumer FICO credit report, which highlights the fraudulent items in question. 

Please be advised that I do not recognize or acknowledge these accounts, collections, or charge-offs as they were not initiated by me. All of these items are the direct result of identity theft and fraud. 

In addition, I have enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Complaint ( # XXXX ) as verification that these consumer credit accounts, collections, and inquiries are the result of identity theft and should be blocked from my report as per the requirements of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to the swift correction of my credit file. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Prepaid Card Services of US Bank indicated to me by letter ( attached ) on XXXX XXXX, 2017 that I would receive a check for US {$500.00} in a period no longer than 10 days as a refund of the stolen money to my card finished in XXXX. 
After waiting 45 days, the check for {$500.00} was never sent. Since I do not know what problem they could have to send the check, in order to solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX-Date of Inquiry : XX/XX/2020
Product: Credit card

During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX nc XXXX Investigation Request Letter To Whom it May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I spoke with my lawyer he said you have 30 days to complete this investigation. And remove these accounts that you knowingly know that are inaccurate under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Please investigate the following accounts and remove them Accounts Account Name : XXXX XXXX Account XXXX : XXXX Account Name : CHILD SUPPORT ENFORCEM Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Please remove and send me a copy of my updated credit report and all information that was used to validate each alleged debt I need to know the full steps that was used and all information proof of what was used to conduct this investigation
Product: Debt collection

Radius Collections is attempting to collect a debt from me as an individual on a corporate apartment utilities account from XXXX XXXX. The name on this account also does not match mine or any name I have ever had. This has caused a decrease of my credit score on XXXX and XXXX credit bureaus. XXXX has removed this after their investigation. I ask this be removed from my credit reports. This debt does not belong to me. 

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

A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with TransUnion, XXXX and XXXX credit bureaus. Over the last week XX/XX/17-XX/XX/17 it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( TransUnion, XXXX or XXXX  ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several time about removing fraudulent information from my credit report. They are quick to update any and every thing that is given to them but take there sweet time and make you jump thru hoops to correct any false information. 

I am a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Debt collection

I wrote a check to pay XXXX for service on a water heater. The check cleared. Later, I got a letter from TRS recovery services claiming the check was returned. I sent them a copy of my bank statement showing the check cleared and a copy of the check. They wrote back that I still owe money and included a statement the check was later refused with a message of " Refer to Maker ''. I believe someone submitted the check twice, the first time it cleared and the second time it was refused ( I never received notice from my bank or from XXXX that my check was refused ; only from TRS ). I believe the bank statement I sent TRS is sufficient to prove I paid the debt ( it covered both the period when my check cleared and when it was supposedly refused )
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS ON MY CREDIT REPORT ARE INCORRECT AND NOT MINE. THEY ARE UNVERIFIED AND UNAUTHORIZED
Product: Mortgage

I was with XXXX mortgage company since XXXX and I know that I had a majority of my equity missing, and a great deal of my equity was taken during the modification process, I was charged for payments, 20 all the time, the payments that I made were not included in the modification processes and I was overcharged on the fees in numerous occasions, I was not aware of the lawsuit against Owen, but I know I have been subjected to equity loss. I went from XXXX to XXXX XXXX during the period I was with them about 8 years and I went through 3 modifications. I went through XXXX worth of equity during that time. I would like to know if I can get any help in this matter. They made a lot of mistakes in all of my modifications. 

Presently I have issues with PHH Mortgage resolving the issue about my payment. They overcharged me for over 12 months. I became a XXXX XXXX veteran in XXXX and informed phh mortgage. I was payin XXXX $ and then after 12 months it was refused to XXXX. They would never explain why despite writing rhe cfpb and calling the relationship manager. I would like an cplanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

OHIO XXXX XXXX XXXX XXXX Has posted on my equifax credit report after I was told it would be removed I have letters sent to Equifax from them to delete the account and that account has XXXX payment history but it hasnt been deleted
Product: Credit reporting or other personal consumer reports

This is a simple complaint against the XXXX XXXX XXXX. I have spoken with them both personally and on a conference call with a third party. Every time I spoke with them, they claim I don't have any XXXX  loans. The last time I spoke with them on the conference call, a XXXX from the XXXX XXXX XXXX stated that she can't find a single XXXX  loan with my name, address, or my social security number. When I then try to dispute the XXXX  loans with the credit bureaus, the results come back as verified. I even sent them certified mail back in XXXX of 2023 so they could remove these from my credit report and they claimed the account was verified! 

How can they be verified if the XXXX XXXX XXXX claims I don't have any accounts or that I am not found on any XXXX  loans? It's been months of trying to correct this only to not receive any help in doing so from either the XXXX XXXX XXXX  or the credit bureaus.
Product: Credit reporting or other personal consumer reports

I have sent off letters to XXXX, XXXX and Transunion requesting that incorrect personal info be removed from my credit report such as nonmailable addresses, incorrect aliases and Un reachable phone numbers off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sams Club Credit/Synchrony Bank fraudulently reported I was 30, 60 and 90 days late on my credit report when I was paying. After I went with XXXX ( a debt management company ) to have interest rates reduced Synchrony Bank ( Sams Club Credit ) started reporting me late. XXXX reached out to them at the time and they idicated they had been sending payments to the wrong account number and said they would fix it and didn't. I reported it to my credit bureaus and they said Synchrony Bank did not change it. 

The dates in question are from XXXX to XXXX on my credit report. I have attached my contract with XXXX and all the wire payments made to Synchrony Bank/Sams Club Credit during this time.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to demand the immediate removal of unauthorized hard and soft inquiries from my credit report. In accordance with the Fair Credit Reporting Act ( **FCRA** ), specifically **15 U.S.C. 1681**, and under the authority of the **Consumer Financial Protection Bureau ( CFPB ) **, I have the right to accurate reporting of my credit history. After reviewing my credit report, I have identified multiple inquiries that were made without my authorization or permissible purpose. These inquiries are as follows : Please note that I **authorized inquiries** from XXXX XXXX, XXXX XXXX, and XXXX XXXX. All other inquiries on my credit report are unauthorized and must be removed immediately. 

Legal Basis for Removal : 1. **15 U.S.C. 1681b ( f ) ** : Credit reports may only be accessed by parties with a permissible purpose. If an inquiry was made without my explicit consent or a transaction initiated by me, the inquiry is unlawful and should be removed.

2. **15 U.S.C. 1681c ( a ) ( 2 ) ** : Credit bureaus must ensure the accuracy and completeness of consumer reports. Any unauthorized or erroneous inquiries must be removed to maintain the integrity of the report.

3. **15 U.S.C. 1681i ( a ) ( 1 ) ** : I have the legal right to dispute any inaccurate or incomplete information on my credit report. Upon receipt of this dispute, the credit bureau is required to investigate the matter within 30 days and correct or remove any inaccuracies.

4. **15 U.S.C. 1681s-2** : Furnishers of information, such as creditors or companies making the inquiries, are legally required to provide accurate information. Any inquiry made without my explicit consent violates this statute and must be corrected or removed.

Action Requested : - **Immediate removal** of all unauthorized inquiries from my credit report.

- Written confirmation that these inquiries have been deleted.

- Assurance that no further inquiries will be added to my credit report without my explicit consent.

Failure to remove these inquiries in a timely manner could result in the need for further action, including filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and pursuing legal remedies for willful non-compliance under the **Fair Credit Reporting Act**.

Please consider this a formal dispute of the unauthorized inquiries. I expect a response and resolution to this matter within the legally mandated 30-day period, as required by **15 U.S.C. 1681i**.

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

After inspecting my credit report, I noticed a mistakes. The XXXX and Transunion credit bureaus are required to validate this account per Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). 
Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the account listed on my credit report : XXXX XXXX XXXX XXXX : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX Summer XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX Revels ; XXXX XXXX ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX  XXXX XXXX Unpaid Balance {$760.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00}.
Product: Credit card or prepaid card

I called Comenity bank they service my XXXX Cc and on XX/XX/XXXX I made a XXXX payment on my XXXX CC and come to find out they ran an audit on XX/XX/XXXX and supposedly due to my credit score went down they decreased my credit limit. I paid on all my CC on XX/XX/XXXX and that increased my credit. I called and the reps at Comenity stated they cant do nothing from their end. I monitor my credit due to Im about to refinance and with them decreasing my credit now it looks again that Im close to my limit.