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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$190.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against Experian for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored. As a result, Experian is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing.

Account Information and Discrepancies : Experian Experian reports discrepancies in payment history as well, despite repeated disputes : Two-Year Payment History : Reflects inaccurate 30-day late payments.

Days Late - 7 Year History : Incorrectly lists two 30-day late entries. 
Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by Experian. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine. 

2. Identity Theft XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAPITAL ONE AUTO FIN Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had on several occasions noticed accounts appearing on my credit file over the last 5 years an many times contacted the creditors as well as the Credit reporting Agencies involved in these erroneous posting. I was told that someone with a similar name accounts had merged with my own file and over time this was corrected.Recently, I checked my credit with the credit bureaus as I am about to purchase a home and open escrow in a week, but now I find I can not proceed with this real estate transaction due to accounts which I've never opened has appeared as though they were mines.These fraudulent accounts should never appeared on my file as they are fraudulent and misleading about my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

This account is still reporting on my credit profile, they have bad information on my report. ACCOUNT NUMBER : XXXX Past Due : XXXX XXXX Inaccurate is showing on XXXX separate reports it's a past due showing a collection, Last Reported : XX/XX/XXXX Inaccurate XX/XX/XXXX Inaccurate are also following on my reports from this lender and on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received some alerts from XXXX of the monitoring services that I subscribe to advising that new credit inquiries were initiated on my Equifax credit file. I reviewed a copy of my Equifax Credit report and discovered a few new credit inquiries listed on Equifax that I did not initiate. I called each company, and they advised me that I would need to file a dispute with Equifax directly. I contacted Equifax and requested to dispute the fraudulent credit inquiries and I was advised that Equifax does not investigate credit inquiries. Under the Federal Fair Credit reporting act, I have a right as a consumer to request an investigation of inaccurate, false, incorrectly reported, or fraudulent information contained within my Equifax credit report. The Credit Inquiries that are in question, which I believe to e fraud are as follows : An inquiry from XXXX XXXX XXXX XXXX, dated XX/XX/2022, and A credit inquiry from XXXX XXXX XXXX XXXX, dated XX/XX/2022. A mortgage application dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see an inquiry from XXXX XXXX XXXX XXXX
Product: Mortgage

I have OCWEN Mortgage Servicing on my loan # XXXX In XX/XX/XXXX I filed for XXXX XXXX # and as XX/XX/XXXX it has finished Throughout the BK-XXXX Ocwen never sent me a statement I called a complained every month- to get confirmation on my payment Sometimes they would hold the payment more than 25 days I called a lot- Now that the Bankruptcy is discharge and finished - In XX/XX/XXXX Ocwen said I had been one month behind with another Servicing company- from that time I am now THREE MONTHS BEHIND every months its now XX/XX/XXXX- and keep making timely payment- even at a higher amount per their request- Last month I made TWO payment on for {$2800.00} the Contact Agent said to get caught up quicker send in another {$560.00} and it would make another payment as there is a Suspended Balance ( CREDIT of $ XXXX I make the Payment Collection calls every other day they can not find the payment or when I show it to them they say that is only a partial payment no a full payment That term with - XXXX ID # XXXX I can no longer get ahold of this contact XXXX- XXXX XXXX $ XXXX XXXX-/// -- -paid by wire transfer- # XXXX That pays for a Shortage?? In XX/XX/XXXX Payment- XX/XX/XXXX XXXX XXXX ID I transfer {$560.00} with XXXX on XX/XX/XXXX to The OMBUDSMAN XXXX XXXX XXXX TALK XXXX has been contacted from XX/XX/XXXX since I ( they tell me ) I am short one payment in the Bankrupted- now I am three The document 's that XXXX XXXX send to me are never the same - and the Collection Department never gets the information to stop calling me- What needs to be done is for an outside FIRM like yourself to help and assist me with Ocwen they have had the upper hand for way to long and I need some help now- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Product: Debt collection

The company Procollect has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company that this account is not mine and get debt validation as I have not signed a contract with them or any company they affiliate with. This account is fraudulent and was made without my consent. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Procollect is a scam and does not care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was referred to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) by the XXXX website since they are handling low to moderate-income families who obtain loans with down payment and closing cost assistance. 
XXXX XXXX XXXX # XXXX, who was the assigned consultant reached out and assured me that she will be able to assist me with my needs. 
As a first-time homebuyer, I made it very clear upfront that I only prefer pre-approval using soft inquiry to learn how much I can get qualified for, how much I can afford, and also have a better understanding of the entire process before diving in with the actual buying process. During the pre-approval process, I was trying to avoid any mishaps or headaches correcting something posted on my credit report which will be a hassle to correct. 
According to XXXX, she did a soft inquiry and provided a pre-approval via email, however, she provided a pre-approval letter to the selected real estate agent ( referral by XXXX ) bypassing me. I received the pre-approval from my real estate agent and not XXXX. This kind of threw me off. After my pre-approval, it appears XXXX did not want to deal with me ( not sure why ) In the meantime, I reviewed the pre-approval and nothing details on that letter made any sense. I typed up all my questions and emailed them to XXXX for answers ( XX/XX/XXXX ). When I did not hear back from her, I called her on XX/XX/XXXX. Right before that phone call, I received an email from XXXX informing me of a credit inquiry on my report. I did not think of anything at that time. During the call, I repeated each of the questions that I had on the pre-approval for XXXX to answer, and I also asked her if she by any chance might have done a hard inquiry on my credit. Her answer was Yes because I think you are ready. I was shocked, and told XXXX, as per our conversation, that I did not consent/permit her to run a hard inquiry yet since I was still making decisions on whether to move forward yet or to wait a little longer. 
She was upset about the situation, making me feel it was my mistake. She told me she can take the hard inquiry off my report. I circled back to her on XX/XX/XXXX checking to see if she did make that call, and her response was I will initiate the process. I followed up again on XX/XX/XXXX requesting an update, and her response was, XXXX, this is not an overnight process will take a while. I dont get updates.. 
At this point, I do not trust her. I am not even sure she did initiate the process to correct my report. This is the type of situation that I was not looking forward to but yet I am going through it. 
I need some help and support to get this fixed. I have all email responses if I need to show them as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I pulled my credit report and saw a long list of inquiries that I did not initiate. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In generals. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no others : ( F ) otherwise has a legitimate business needed for the informations ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraphs ( 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. The hard and soft inquiries noted in the attached credit report are unauthorized. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identifications 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
Product: Mortgage

In XXXX Loancare performed a website update. Upon my attempt to make payment I was required to reenter my vetted information. I scheduled a payment XX/XX/XXXX and received a confirmation email. By XX/XX/XXXX the payment had not processed from my bank account. I scheduled another payment and received another confirmation email. 
I scheduled XXXX payment on XX/XX/XXXX for which I have a confirmation email. 
XXXX XXXX I received a hand delivered letter stating I was delinquent in payments. Upon calling Loancare it was determined that I had omitted a XXXX from my account number when I reentered my already vetted and unchanged information in XXXX. 
This resulted in my being locked out of making online payments. I was told I am now required to pay via certified funds for 6 months before I have access again to online pay and by this time owed 2 months of payment. 
I acquired a cashier 's check for over XXXX and sent it to the address I was provided via phone call. I sent it overnight delivery through the post office at a charge of over {$30.00}. A couple weeks later, this check was returned to my bank. When I called, I was told it was because I sent it to the regular address, not the overnight address that I didn't know about. I was told that I should I be glad my XXXX XXXX dollar check was returned to me since I sent it to the wrong address. I was then advised to make payment via XXXX XXXX. 
I went to a XXXX location to find their machine was down. After contacting another location to make sure theirs was operable I again attempted to make my payment. Upon telling the amount I needed to pay I was told I needed to get my social security card. I made a round trip to my home to retrieve it. My payment attempt failed due to the daily limit my bank has established. I then made a 21 minute phone call to my bank to get the limit temporarily lifted and was finally able to make payment at a XXXX XXXX fee of {$15.00}. 
So now I have paid {$45.00} in fees to make a payment due to a Loancare update and issue. 
I again called Loancare to talk to a supervisor and was told the request would be submitted to receive a call from one. It can take XXXX to XXXX hours and may come from any number so I need to put my life on hold and answer every phone call. 
The call came the next day while I was working, no message was left. I confirmed this was the call I missed by calling back and verifying it with a representative. Another request was submitted. The call came the next day while I was preparing my child for school. 
Upon calling again and insisting that someone somewhere up the line has the ability to unlock my account, that I should not have to pay extra fees on top of my mortgage for this issue, I was given an email address to resolve said issue. 
On XX/XX/XXXX I sent an email of my story and it was returned failed delivery. I'd been given false or unclear information. 
I called again on XX/XX/XXXX and again relayed my story to representative XXXX. I was told that a request was submitted to unlock my ability of online payment and to check back on XX/XX/XXXX. 
It has not been done.
Product: Money transfer, virtual currency, or money service

whenever iused cash app and a problem happened i could never peak with a live person. At one point they didnt even have a customer service center or XXXX number to call. Federal law states that you must have live agents. after cash app got fined in 2017 they created fake customer service bots and these bots asked for personal information which lead to a security breech into my credit report
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want this item deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this Data Breach and Equifax has done nothing. Please help me delete this illegal accounts from my credit report. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received two letters from Bank of America stating they were closing both my checking account and my savings account. I called the number on the back of letter. Recording said if I received this letter, there is nothing that could be done to help me.
Product: Checking or savings account

I received a charged from a business account to my personal account. I never agreed to the charge or fee. This is setting my account to be negatively affected to my Bills.
Product: Credit card or prepaid card

This is in regards to a Citibank XXXX XXXX XXXX mile up card. I am the power of attorney for my mother who has XXXX and I have contacted Citibank and have asked them to close the account. They have said that they can not close the account without the primary on the phone. They said I could not close the account without the POA on file. I went to a Citibank bank branch on XX/XX/22 and met with a branch Manger and we called in and the branch Manager  faxed in my POA along with a written request to close the account. The account has not been closed and we received a bill for a transaction that was not authorized. I called Citibank again today and they said that they never received POA and refused to close account. Please help.
Product: Debt collection

Receiving daily calls from Mercantile for about the last month. have not called them back. We have excellent credit rating and owe no debts. Always the same message, to call back with a reference number.
Product: Credit card or prepaid card

This card was open fraudulently. I never applied for the card. I believe my sister might have something to do with it because she had access to my Bank of America checking account when I traveled to XXXX for my fathers funeral. I left her in my home to care for my minor daughter. Some payments to the card were made from my checking accounts and she is the only one who had access. I never applied or authorized anyone to apply for a Bank of America credit card. 

I have attached my travel ticket to prove that I wasnt in the country then and a police report. 

This account is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a XXXX XXXX account that was open under my name with my information but different address this the account that was open XXXX amount XXXX activated XX/XX/20 someone stole my information.