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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnisher of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : [ List any supporting documents you are including, e.g., copies of your dispute letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name - XXXX XXXX D.O.B - XX/XX/XXXX Social Security Number - XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family ACCOUNT NAME - XXXX XXXX sucured credit card DATE OPEN - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER - XXXX ACCOUNT NAME - XXXX XXXX  DATE OPENED - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER COMPANY INQUIRIES XXXX  - inquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX-inquiry Date XX/XX/XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX  - inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX - inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX  inquiry Date XX/XX/XXXX DISCOVER FINANCIAL SER inquiry Date XX/XX/XXXX XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX  - inquiry date XX/XX/XXXX XXXX  XXXX XXXX-inquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX DISCOVER FINANCIAL SER - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX. Inquiry Date XX/XX/XXXX XXXX XXXX - inquiry Date XX/XX/XXXX DISCOVER FINANCIAL SER - inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TranUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank you
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/2021 XXXX  emailed me concerning Id theft listing nationwide recovery / XXXX XXXX XXXX - This is Id theft or insurance fraud - filed a FTC affadavit reported to XXXX XXXX XXXX  - texas XXXX XXXX XXXX XXXX - texas XXXX XXXX - Im seeking criminal charges against XXXX and XXXX XXXX - Against elderly handicapped Block Acct and delete
Product: Mortgage

I applied for assistance in saving my home with my servicer, Shellpoint Mortgage Servicing, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork. My attorney confirmed Shellpoint received my full and complete application and all financials on XXXX/XXXX/2015. My attorney called Shellpoint several times for an update after the submission. No calls were ever returned. Shellpoint only returned the calls after the home had already foreclosed. 

I never received any approval or denial letters from Shellpoint until after my home was foreclosed on XXXX/XXXX/2015. My attorney finally obtained a copy of a denial letter from Shellpoint by fax on XXXX/XXXX/2015. My home was foreclosed while waiting for a response from Shellpoint. 

I feel my servicer purposely withheld my denial letter, avoided taking calls from my attorney and did not advise me I was denied in order to evade allowing me the time appeal the decision before setting a sale date and actually foreclosing my home. 

My servicer XXXX set a sale date before my timeline to appeal expired : Denial Letter dated : XXXX/XXXX/2015 ( Attached ) Timeline to appeal per denial letter : XXXX/XXXX/2015 ( Attached ) Sale Date set on : XXXX/XXXX/2015 - XXXX ( Attached ) My real estate attorney states RESPA Regulation X ( 1024.41 ) ( Copy Attached ) prohibits servicers from moving forward with an order of sale while under review or within the appeal period for loss mitigation. I feel XXXX Shellpoint Mortgage Servicing broke the law when they moved to order a sale date on XXXX/XXXX/2015. They should have waited until after XXXX/XXXX/15 to set the sale date. 

In summary, I feel I was illegally foreclosed while I was awaiting a decision on a loss mitigation application. My servicer purposely hid the fact they had denied me in order to evade allowing me to appeal the decision. They illegally set a sale date against me on XXXX/XXXX/2015 during the timeline in which I was supposed to be able to appeal. They did not allow me to appeal the denial by way of hiding it from me. I did not actually receive a denial letter until XXXX/XXXX/2015 ( Attached ), which is after they had already foreclosed me. I am sure Shellpoint XXXX will attempt to tell you that this is all a misunderstanding, but it is very evident it was on purpose.
Product: Credit card or prepaid card

Comenity Capital Bank announced via email to customers in XX/XX/XXXX a promotional offer " EARN 2 % CASH BACK up to {$25.00} bonus cash back when you make eligible home improvement purchases with your XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX'. 
The offer period was XX/XX/XXXX - XX/XX/XXXX. 
I made several purchases during this period at stores like The XXXX XXXX and XXXX. 
I never received the promised extra cash back points. 
I contacted the company several times via their messaging system. Their usual answer is that I should call to speak to someone in person. 
I even submitted documentation about the promotional offer. I then called and spoke with a representative who claimed he never heard about such an offer but he would pass on a note to get back to me. 
The last conversation was with XXXX on XX/XX/XXXX. She also could not find anything about this offer but told me the Back Office will get back to me. No answer XXXX weeks later.
Product: Credit card

I have a Barclays XXXX Card with XXXX rewards. At the end of XXXX 2015, I called and made a payment and informed them that the next payment would be for {$2000.00} at the end of XXXX. I called at the end of XXXX to make that payment and they refused several times to accept that payment. They then informed me that I could only pay with an XXXX Bank account. On XXXX XXXX 2015, when those funds were transferred I made a {$2000.00} payment. I then noticed several days later that the credit limit had decreased by {$1500.00} XXXX 75 % ). When I called and inquired about this they informed me that due to financial stress, the credit limit had been decreased. However, this did not align with the information from my credit report and my previous dealings with them. In the past, I called and informed them when I would be making a payment and for how much. At all the stages during my relationship with the customer services representatives, I informed them of what was going on. Upon having this conversation with Barclays customer service, they informed me that due to financial stress the credit limit had been lowered. However, the {$2000.00} payment was the entirety of the balance of the card ( except for {$76.00} XXXX and there was never a payment that was more than 10 days late. If it was late, I always called and informed Barclays that they payment would be made on a certain day upon me getting a paycheck. Never was the payment more than 30 days late and never was a late payment reported to the credit bureaus. The credit reports actually indicated that the card was in good standing.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. XXXX, TransUnion, XXXX XXXX XXXX, and XXXX, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the Congressional policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information.

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law.

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. XXXX, XXXX XXXX XXXX, TransUnion, and XXXX, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Product: Debt collection

Nationstar keeps calling the business that I work at, XXXX XXXX XXXX XXXX, multiple times a day trying to collect a debt for someone that no longer works here. It is an automated dialer with no option to talk to a person. There is an option to say that is is the incorrect number, but they keep calling. 
I called the number they provide for you to call back for more information, and by pushing a lot of wrong buttons, I was eventually transferred to a human. When I told the gentleman that I wanted them to stop calling, he said there was nothing he could to remove our number until the intended recipient gave them permission to change his account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a complaint with XXXX XXXX XXXX because I believe XXXX XXXX was negligent in forwarding me the report in question but LexisNexis is VERY DELINGUENT in its reporting accuracy about me. I received an ins score report, sourced from LexisNexis, indicating my ins score is XXXX and highest could be XXXX. Reasons for what I perceive to be a low score appear to be old and inaccurate. There appears to be no requirement for LexisNexis to update its reporting details. Some of the statements and the details within them could be more than three years old. Information about LexisNexis online is vague and rambling. Whether a score of XXXX is good or bad is not at all indicated. Further if consumers want more info they have to contact LexisNexis and wait sometimes for WEEKS to get answers. I believe, based on the sloppiness of this entire process I may NEVER hear from them. If this company is going to be free and careless about how they report consumers ' details, they should be more accurate!! For example, did they think to update ANYTHING after the recent XXXX debacle, where some consumers ' scores were dropped 100 points or more??? How do they get their information?? Do they check it for relevance?? How do they inform consumers they exist and possibly use their financial information against them???
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in direct violation of fdcpa, fcra, state and federal consumer credit reporting laws.
Product: Debt collection

Affrim , Inc. with XXXX # XXXX in the amount of {$1000.00} from XXXX XXXX, XXXX is illegality holding an account that has been filed as fraud since XXXX, XXXX, XXXX. 
Affirm, Inc. was notified XXXX, XXXX, XXXX that the account in collections was listed as fraud ; by their hired, XXXX XXXX XXXX XXXX listed as : XXXX XXXX XXXX XXXX # XXXX and reference # XXXX for loanID # XXXX. - Noted by XXXX. XXXX ID # XXXX XXXX, XXXX. XXXX XXXX XXXX then notified Affirm , IncXXXX XXXX, XXXX, XXXX of the account they were currently holding listed as fraud. XXXX XXXX had not been notified by Affirm XXXX XXXX in over a year ( XXXX, XXXX, XXXX ) as the validity of the account ( stated by XXXX XXXX. XXXX the submitted to Affirm XXXX XXXX on XXXX, XXXX, XXXX a noted fraud collections. Affirm, Inc. was notified and verified of notification on XXXX, XXXX, XXXX by XXXX XXXX and XXXX XXXX XXXX they both verified and confirmed they had not been in response to this notification in over 30 days and they did not notify the listed customer or XXXX XXXX  of any supplied information in over 30 days. ( XXXX, XXXX, XXXX ). To date Affirm, Inc. has still not supplied any documentation or validation of this debt to any parties, nor has it followed fair credit practices to remove any accounts during the supplied and allowed time. 

The original loan was established on behalf of a merchant that was notified XXXX, XXXX, XXXX of fraud, the merchant notified that the order was never fulfilled and the transaction was listed as fraud. Affirm, Inc. was notified that an established fraudulent loan was made and the attempt of this loan is not sufficient as the merchant never fulfilled order.
Product: Credit reporting or other personal consumer reports

i do not recognize those iquiries in my credit reports. 



XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX  Account Number : -- - Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. 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. 
XXXX. Potential Violation of Fair Debt Collections 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.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the 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.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these 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.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Incorrect Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, MA XXXX XX/XX/2014 Previous Address ( es ) : XXXX XXXX XXXX XXXX, MA XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes on behalf on my account with XXXX XXXX. There are two late payments for XX/XX/XXXX and XX/XX/2019. Equifax corrected the error then they put it back past due 30 days after a week. I am confused as to why they are manipulating my credit profile. XXXX XXXX has also submitted two-three disputes on my behalf to correct these errors and the mistake has gone uncorrected. This needs to be fixed because this account has never been late
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal is reporting information incorrect, inaccurate, and confusing. 

1. Account numbers are different between credit bureaus. 

2. High Balances differ between credit 2 bureaus. 

3. Date of Last Activity is different between the 2 credit bureaus. 

4. Date reported is different between the 2 credit bureaus. 

5. Date Opened is different between 2 credit bureaus.

6. Balance Owed is different between 2 credit bureaus.

7. Last Payment is different between 2 credit bureaus.

8. Past Due Amount is different between 2 credit bureaus.
Product: Vehicle loan or lease

On XXXX XXXX, 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 are all dates that I have disputed this account with the Chrysler Capital. 
On each of these dates, I have brought to their attention on how the balance owed does not match the amounts listed on the explanation of calculation of surplus or deficiency as well as the account summary provided. They each listed 2 different amounts which show the same balances. I have brought to their attention on how the contract shows a credit sale between me and the dealership and not with with Chrysler Capital/Santander. When the vehicle was sold off, there was not an intent to sale notice provided and neither provided when I wrote my letters on multiple dates. One last thing is the months that are reporting incorrectly. I have a contract showing that the months were for 72 and on my credit report, it states 79 months. 

After each contact with this company, they keep verifying that this account is accurate. I am not sure as to how they are verifying that this information is correct when I am consistently showing that they are not. 

At this point, I would like to have the account removed for this company operating under deceptive practices when it comes to my credit report and the account listed with them.