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

My name is XXXX XXXX, DOB:XX/XX/XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that CARRINGTON MORTGAGE SERV has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current sinceXX/XX/XXXX We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current. 
It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current onXX/XX/XXXXmonth with a check mark and current. 
Thank you for your time and have a wonderful day.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX, XXXX and Eqiufax are reporting my tranactions and experiences to the consumer report. According to FCRA 15 US Code 1681a2a1 these are exclusions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries on my credit report. As outlined under the Fair Credit Reporting Act ( FCRA ), no entity is permitted to access or publish my credit information without my explicit consent. These inquiries have negatively affected my credit profile, and I demand their immediate removal.

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the FCRA Section 604 ( 15 U.S.C. 1681b ), a credit reporting agency may only furnish a consumer report under specific permissible purposes. These include my direct authorization, which I did not grant for the inquiries listed above. As such, these inquiries constitute a violation of my rights under the law.

Further, I would like to reference the Federal Trade Commission ( FTC ) guidance, which affirms that any unauthorized access to a consumers credit report is a breach of the FCRA. Unauthorized inquiries can have a detrimental effect on a credit score, and I am entitled to a resolution.

I respectfully request : A thorough investigation into these inquiries.

Removal of all unauthorized inquiries from my credit report.

Written confirmation of the actions taken as a result of this dispute.

I have included a copy of my credit report with the disputed inquiries highlighted for your convenience. Additionally, I am providing copies of my government-issued ID and proof of address for identity verification.

Should you require any further information or clarification, I am available at [ XXXX XXXX XXXX  ] or [ XXXX XXXX XXXX ]. I expect a response within the 30-day period stipulated under the FCRA.

Thank you for your prompt attention to this matter. 

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

I am disputing all inaccuracies on my credit report with Equifax.
Product: Vehicle loan or lease

I purchased the car in XX/XX/2019 through Fifth Third Bank with the first payment of {$380.00} due in XX/XX/2019. I am a XXXX XXXX Service Member and received reassignment orders to report to XXXX XXXX in XX/XX/2019 and called the Bank in XX/XX/2019 to set up automatic payments for the car loan. My understanding was that the automatic payments were scheduled for the duration on my tour overseas. I checked my bank account in XXXX and XX/XX/2019 to ensure the car loan payment was deducted. On XXXX XXXX my daughter called me to inform me that my car was being repossessed for nonpayment and after reviewing my bank statement I discovered that the automatic payments stopped in XXXX. I called Fifth Third Bank as soon as they opened the next morning and was informed that the automatic payments were only for 4 months and that the loan was behind since XXXX. 
I never received any notice from the bank that the payments was late and the loan was in default, I did not receive mail, email or telephonic notice to inform me that there was an issue with the automatic payments even though I informed the bank that I would be relocating oversea and would not have telephonic means of communication. The bank states that they tried to reach me on my old phone number, even though I informed them that the phone would not be in service while overseas after XX/XX/2019. The best way to make contact with me is through email or mail and I did not receive any notice from the bank even though I have another instalment loan with the Bank in which I do receive email communication and updates on that loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXX XXXX {$410.00} XXXX  XXXX XXXX {$390.00} XXXX XXXX XXXX These credit accounts and collections are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX so I wasnt able to work so I was late on my payments I reported it to XXXX  Bank, pnc they still reported it to the credit Bureaus as late I disputed it with the credit bureaus. But they refuse to remove it Under the XXXX act
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I received a notification through my credit monitoring service that XXXX XXXX XXXX reported 30 and 60-day late payments to TransUnion. I have since disputed this erroneous information and sent a debt verification letter to TransUnion requesting that they verify this debt, since I never opened an account with XXXX XXXX XXXX. I asked for very detailed and specific information, under the rights afforded to me through the Fair Credit Reporting Act. I was then sent a letter back saying that the information was verified, but with no indication as to how. After sending a method of verification letter to TransUnion, I received a notification back saying that the information has been modified and that there was a request made to the reporting company to verify the accuracy of the information disputed ; however, code 609 of the FCRA outlines the responsibilities of the credit bureaus as follows : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer ( Page 36 ). 609 ( c ) ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( Page 39 ) 609 ( c ) ( 2 ) ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. These codes clearly state that the information used to verify information in my credit report should be in the files of the credit bureau, not the creditor, and any information that can not be verified should be REMOVED. Since TransUnion has been negligent and dismissive in their handling of my dispute, I am requesting a full deletion of XXXX XXXX XXXX collection from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage acount with XXXX is not being reported to Experian due to an " internal credit agency policy ''. According to XXXX, the data is accurately reported to Experian. According to Experian, the data is not being accurately sent by XXXX. 

This same account shows up accurately on all other credit agencies.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XXXX, new, from XXXX XXXX XXXX in XXXX, XXXX XXXX of XXXX. I still currently have a loan with Ameris Bank, former XXXX XXXX. I moved from XXXX to XXXX  XX/XX/XXXX. I applied for a tag XXXX XX/XX/XXXX. To this day, XXXX XX/XX/XXXX, Ive yet to get word the title transferred to the XXXX XXXX XXXX XXXX XXXX so I can go get my permanent Tag. Ive called probably XXXX - XXXX times now and have gotten the run around from Ameris Bank. XXXX  normally only gives a temp tag up to 90 days. They went to 120 waiting on that title. I cant drive my vehicle. Im 100 % XXXX Veteran. The treatment and lack of action is inexcusable at this point and something needs to be done. I just want the tag so I can drive to get groceries, and medical appointments. Ive exhausted all of my options. Please help.
Product: Credit reporting or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the eaxct time based on law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Every other credit report agency has stop reporting these accounts cause its fraud and the information reported is incorrect
Product: Debt collection

repeated phone calls in which I do not know this company nor have any ties to this company ( CashNetUSA ). 
XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX voicemail no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX I texted them that I am on the Do Not Call list and ask them to stop calling me
Product: Vehicle loan or lease

Received a judgement letter from Pressler, Felt & Warsaw , LLP regarding costs and interests that remain due and unpaid after my vehicle was repossessed. The notice reads, " failure to comply with this information subpoena may result in your arrest and mandatory appearance before a judge of the superior court in accordance with rule XXXX ( g ). ''
Product: Credit reporting or other personal consumer reports

I am submitting in response to the recent investigation. I disagree with your findings and request complete accuracy. I am not convinced that sufficient efforts were made to contact the creditors reporting this information on my report. Therefore, I am asking for more information regarding the specific accounts in question : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX}. As previously mentioned, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as required by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the items must be promptly updated in accordance with Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681XXXX ( d ) of the Fair Credit Reporting Act, please notify me once the accounts have been updated. Upon completion, please send an updated copy of my credit report to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained my consumer reports from all credit bureau agencies notified them of the fraudulent reporting information that is inaccurate reporting information my consumer report ChexSystems XXXX information is being furnished by XXXX XXXXXXXX XXXX claim number from XXXX XXXXXXXX XXXX XXXX XXXX Accounts number ending XXXX Florida drivers license number is inaccurate information address is incorrect information how can the information be verified and the method of investigation that where conducted The Consumer report shows that I was a victim of fraud my whole entire personal information has been compromised identity, Social Security number, etc. 

Im the victim of identity theft and I dont recognize none of the accounts or inquiries on my Consumer report. I XXXX XXXX XXXX purports to bring claims against ChexSystems under the Fair Credit Reporting Act ( FCRA ) based upon information reported, allegedly caused by identity theft. In enacting the FCRA, XXXX recognized the vital role consumer reporting agencies ( CRAs ) have in assembling and evaluating consumer credit, as well as the need to insure that CRAs exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 U.S.C. 1681 ( a ) ( 3 ) - ( 4 ). Under section 1681e ( b ) of the FCRA, a CRA, when preparing a credit report on a consumer, is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ). If a consumer brings a dispute to the CRA regarding the completeness or accuracy of a credit report, the CRA is required by section 1681i ( a ) within a reasonable period of time [ to ] reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. 15 U.S.C. 1681i ( a ). The FCRA addresses the duties of CRAs and of furnishers of information to those agencies as follows.

. 15 U.S. Code 1681c1-
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The list of inquiries below should not be on my credit report : -XXXX XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Dear Sir or Madam : XXXX dba XXXX XXXX XXXX/XXXX XXXX/XXXX are attempting to extort money from Identity theft and asking for more personal information to collect a DEBT that is NOT MINE. I disputed with XXXX once, I started receiving letters that I was in college for years during this claimed {$4300.00} ( debt # XXXX ) but also working in a different state. I Never Opened or Paid an Account pertaining to XXXX XXXX. I was a busy STUDENT and working in XXXX, NH and upon graduating moved to another City. This is preposterous, as I had excellent credit and have now disputed and put a fraud alert on all of my CREDIT files during this challenging time. XXXX is constantly sending threatening letters to a previous business address for some account # endingXXXX I've never had. These people sent a listing of payments that did not come from ME and are constantly harassing, bullying me on a Fraud account. HUNT & HenriquesXXXX XXXX XXXX XXXX XXXX are sending packets to obtain {$4300.00} that IS NOT MY DEBT. I PAY BY CREDIT DEBT and THIS IS NOT IT. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting wrong type of BK # XXXX on my credit report ... Back in 2009 I did file for chapter XXXX which was discharged and statute of limitations for this type of BK is 7 years. This BK aka public record should not be on my credit report because 1 ) it is a chapter XXXX not a XXXX 2 ) it has been 10 years since filing date, both XXXX  and Equifax have different dates both of which are incorrect. 

3 ) I attempted to dispute this with XXXX  over the phone - agent was very rude and refused to take my information keep directing me to their website which would not let me access my own report. When asked for supervisor I was put on hold for 28 minutes after which my call got disconnected on purpose. I then wrote two letters with no response from XXXX  .... I called today they claim not to have any record of me sending the dispute but I do have a copy of the certified mail sent to them on XX/XX/XXXX and XX/XX/XXXX. 

Equifax website is non responsive and does not allow for disputes to be filed, I disputed over the phone mailed and faxed in supporting documentation with them returning saying that creditor - the court has verified the accuracy. I contacted the court who stated they do NOT report or verify with bureaus. 
I contacted XXXX XXXX now, who stated they do NOT have public record reported on my credit file to any of the bureaus at all.. then who are they verifying this info with then.. this is a lie after lie and a violation of F.C.R.A I prepared my complaint to FTC as well as Attorney Generals office if this BK is not removed from my credit report immediately and accordingly
Product: Credit reporting or other personal consumer reports

I checked my transunion credit report and found XXXX fraudulent/unauthorized inquires from XXXX XXXX I informed them under the fcra guidelines the inquires need to be removed ( will attach names and dates in order of the complaint listed transunion, XXXX, and XXXX ) checked my XXXX credit report and found XXXX fraudulent/unauthorized XXXXnquires from XXXX XXXX XXXX I informed them under the fcra guidelines the inquires need to be removed ( will attach names and dates in order of the complaint listed transunion, XXXX, and XXXX ) checked my XXXX credit report and found XXXX fraudulent/unauthorized inquires from XXXX XXXX I informed them under the fcra guidelines the inquires need to be removed ( will attach names and dates in order of the complaint labeled transunion, XXXX, and XXXX )