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

Barclays is reporting a credit card that I never applied for. It was opened XX/XX/2014 and has a balance of {$2500.00} with a credit limit of {$1700.00} The account is also registered to some address in XXXX XXXX XXXX XXXX in XXXX, Ok and I have never lived there. In fact, a quick search of the address shows that it is a commercial property anyway. So there is no way this could be my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights.

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

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

I received a phone call from Comenity Bank in regards to Wayfair. I do not have an account to my knowledge with Wayfair nor have I ever ordered anything from Wayfair. This was not the first phone call that I received from this bank. It is at the point of harrassment. XXXX XXXX stated well maybe we are looking for a different XXXX XXXX. I will not identify myself on the phone because they will not have me recorded as saying the word yes. the phone number that I am left to call is XXXX ext. XXXX
Product: Credit reporting

XXXX Mortgage is reporting account open with a balance of {$33000.00}. This account should be reported as closed and XXXX Balance. It was included in my Chapter # XXXX bankruptcy discharge on XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am currently experiencing significant unease as I await your response within the next 30 days. I demand that you validate the accuracy of the disputed items on my credit report or remove them entirely. This is not a request but an expectation. I further require that you provide a physical copy of the steps taken to address these issues, along with my revised credit report, delivered via conventional mail. It has come to my attention that the information on my credit report may be grossly inaccurate. Therefore, I demand that you furnish precise, authenticated details for every item. Be warned : failing to do so will result in immediate legal action. 

Listed below are the Accounts that are being challenged : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately XXXX  XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called XXXX to settle a charged off XXXX XXXX credit card account. They informed me I had to call XXXX XXXX XXXX as they were handing the account. On XX/XX/XXXX I called XXXX XXXX XXXX to settle the XXXX XXXX credit card charged off account. The balance owed was {$3200.00}. I was offered a settlement of a one time payment for {$1700.00}. I accepted the settlement offer and made my payment directly over the phone for {$1700.00} on XX/XX/XXXX I received a verification letter to my email from XXXX XXXX XXXX before I was off of the phone call. On XX/XX/XXXX XXXX reported a payment of {$1700.00} with a balance of {$1400.00} remaining. I disputed this with Experian on XX/XX/XXXX. I provided the settlement verification letter. This letter includes the account information, original amount owed, the settlement offer, stated that XXXX XX/XX/XXXXwas granted the authority to do this and will report it to my creditor, and payment confirmation. On XX/XX/XXXX will remain on my credit report as XXXX certified to Experian the information was accurate and the item was not changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Transunion multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA.

Transunion failed to verify the information from the court so they should remove it from my record.

" The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. 

Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies so please fix this error.
Product: Mortgage

In XXXX, a payment was taken out of our escrow account by our mortgage company, Mr. Cooper to pay someone else 's hazard insurance in the amount of {$7600.00}. We discovered that they had made the error in the early XXXX, when I found that our escrow balance was significantly negative on our monthly statement. I called the Mr. Cooper insurance department to find out what was going on and immediately, Mr. Cooper took responsibility for the error and told me our account would be refunded as soon as possible. 

In XXXX, our mortgage was transferred to a new company and unfortunately, our negative escrow balance followed us to the new mortgage company because it hasn't been resolved. We are attempting to do a streamline refinance and can not because of the negative escrow balance that was created by Mr. Cooper 's error. 

After numerous calls to the XXXX department, escrow department and escalations department within Mr. Cooper, the issue is still not resolved 4 MONTHS LATER! We have been told multiple times that a refund check was being mailed to us. When the check does not arrive as promised, we call back and get a different story from a different representative from the company. Mr. Cooper has assigned a escalations department representative to our account to help us resolve it, and she will not return calls or emails. 

In my opinion, this is fraudulent. Mr. Cooper took money out of our escrow account by error and are not returning it. This issue has gone on for 4 months without resolution and we are running out of patience!
Product: Credit reporting or other personal consumer reports

See attachment. XXXX and equifax have reported fraudulent inquiries on my credit report that I have no knowledge of. Please delete this unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding the removal of the following account since it has yet to be verified by the credit reporting agencies or the creditor. Please see the attached dispute letters sent to both the creditor and the credit bureaus over 60 days ago. This has fallen on deaf ears. I do not have an account with XXXX XXXX XXXX XXXX. You failed to do an investigation when you were notified months ago. Remove this account immediately.
Product: Mortgage

I call about doing getting forbearance on my home loan because i was not receiving a paycheck during the summer. Then an agent stated I could set up a payment extension. The last amount could be spread out over a 6 month and I would not be charged late fee or effect my credit.. The agent stated for me to call back in XXXX to get set-up. When called back in XXXX they stated I could not do it. I was lied to and they could honor was stated to me.
Product: Credit card or prepaid card

Barclays recently canceled my Frontier Credit Card. They have given me three different reasons for doing so. When I first called them to inquire about it I was told that I didn't pay the annual fee. I told them that I never received any notice that I owed an annual fee and they just apologized and told me to apply again. I called again and was told that my card was closed due to inactivity. Something that I also received zero notice of. Then I received a letter saying that my card was closed due to a recent delinquency on my credit report with XXXX. I have zero delinquencies. So I am concerned that this has adversely affected my credit. I was also recently turned down for an XXXX Credit Card. I am not trying to find out what is going on here. So, I feel I need help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting the debt of {$4600.00} as a Charge Off
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting of Closed Account Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of an auto finance account on my credit report. For over a year, I have been attempting to synchronize and correct the records across all three major credit bureaus. Specifically, the account in question is with XXXX  XXXX XXXX and is listed under the account name charge card. 
Despite my numerous credit disputes, EXPERIAN persistently reports this account as open and claims it has been verified. This account was, in fact, closed, and I have provided the necessary discharge documentation from my XXXX  XXXX bankruptcy as evidence. Unfortunately, my evidence has been consistently ignored, and the account status remains incorrect. 
I am seeking your assistance to rectify this situation and ensure that my credit report accurately reflects the closed status of this account. Your prompt attention to this matter would be greatly appreciated, as it is crucial for maintaining the integrity of my credit history. 

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

Dear XXXX XXXX XXXX I am writing to inform you that I am a victim of a data breach that has compromised my personal information, and I am requesting the immediate removal of all accounts affected by this breach pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Background and Request : According to 15 U.S.C. 1681c-2 ( a ), when a consumer is a victim of a data breach, they are entitled to request the deletion of any accounts or information resulting from this breach. This legal provision mandates the removal of affected accounts from consumer credit reports to mitigate potential fraud and identity theft. 

I request that you immediately remove the accounts affected by the data breach from my credit report. These accounts are no longer valid due to the breach, and the inclusion of such information is detrimental to my credit file. 

Affected Accounts : Please remove any and all accounts on my credit report associated with this breach, including but not limited to : XXXX XXXX XXXX XXXX According to the FCRA section XXXX it is illegal to report any information on my credit report without my permission. Please remove these negative items from my credit report. Thank you. I never authorized these companies to check my credit rating or have no knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that you confirm the removal of these accounts and inquiries from my credit file within XXXX  days and provide me with an updated copy of my credit report reflecting the deletions. 

Legal Basis : Under 15 U.S.C. 1681c-2 ( a ), I am requesting that these accounts be removed from my credit report immediately to reflect my status as a victim of a data breach. The inclusion of inaccurate or fraudulent information is not only damaging to my credit score but also violates my rights under the Fair Credit Reporting Act. 

Should these accounts not be deleted or should you fail to provide sufficient documentation to prove their accuracy, I will pursue further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

I appreciate your immediate attention to this matter and look forward to your confirmation of the account removals. 

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

XXXX is reporting multiple names and addresses and credit accounts on my credit report that are not mine and not accurate or non verifiable. attached is a copy of my government id letters that i sent to correct my personal info as ONE NAME AND ADDRESS along with the accounts that are not mine. Please delete this non verifiable information immediately.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have visited multiple car lots and I only authorized them to run my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit. 

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

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team 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, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for XXXXXXXX XXXX XXXX  account has never been a late with a payment on this account, I called customer service directly on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX to discuss about my account on where it shows a late payment of 30 days this account has been on auto pay Since XX/XX/XXXX and I have never failed with payments
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am still waiting for transunion to finish investigation from dispute I made last year in XXXX. Transunion responded to my fastest dispute by stating they were investigating and would have decision in 60 days. Federal law mandates they have 30 days from receiving dispute to delete, update or verify. They can file for a 15 day extention if consumer sends in pertinent information. No more than 45 days for any reason. CFPB is supposed to uphold the federal laws in FCRA but only let 's the agencies do whatever they want. I am taking my evidence to FTC and I want both CFPB and transunion to pay max fine of {$1000.00} for each of my disputes that took over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a dispute form to Equifax, I received e-mails stating that the matter had been resolved with a confirmation number and links to view the results. Despite submitting the confirmation number ( XXXX ) and answering a series of questions, Equifax 's website returns an error message saying that it is unable to display results. I waited several weeks and tried again with the same conclusion. 

I contacted the company by phone in the interval. The representative claimed that the information had been corrected, but I want to see written confirmation detailing the correction or receive an updated ( free ) report. Equifax is inefficient and difficult to contact, probably by design.
Product: Debt collection

Dear Sir/Madam, I am writing to dispute an account that is showing up on my credit report and is negatively impacting my XXXX XXXX. The account in question belongs to Credit Corp Solutions and has an outstanding balance of XXXX. However, I have no recollection of ever opening an account with this creditor, and I believe that this account has been erroneously reported to the credit bureaus. 

I suspect that this account may have been opened fraudulently or mistakenly assigned to me. As you may be aware, there was a recent data breach at XXXX, and my personal information may have been compromised. I have reason to believe that this account is a result of identity theft or fraud, and I request that the creditor provide proof of the account 's validity and my responsibility for it. 

Furthermore, I have not been contacted by the creditor or any collection agency regarding this account. As per the Fair Debt Collection Practices Act, I have a right to be informed of any debt collection attempts made against me, and failure to do so is a violation of my rights. 

Lastly, I request that this account be removed from my credit report immediately as it is negatively impacting my XXXX XXXX. This negative reporting is unjustified and unfair, and I have worked hard to maintain a good credit history. 

I respectfully request that you investigate this matter and take the necessary steps to rectify this error. Thank you for your attention to this matter. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX XXXX on XXXX XXXX. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. 
The loan officer stated that it didn't matter and that he could check on a conventional. 
After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with credit dispute with credit plus for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. 
I received a letter from credit plus with a response from XXXX XXXX XXXX   XXXX through Credit plus from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application.