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

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 



# # # Incorrect Personal Information : Former : XXXX XXXX # # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me.

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.
Product: Credit reporting or other personal consumer reports

They closed my account because I was unable to verify my address. The reason I was unable to verify was because I was on XXXX XXXX and did not have the ability to verify. ( no bills, no state license since I didn't need to get one, no taxes done yet. ) I stopped paying on my card and that was 10 years ago. They refused to take this off my credit report claiming the date of first delinquency was in XXXX. I have been asking for records every few months but I was unable to get any kinds of statements on the accounts until this month. There was a late fee XX/XX/XXXX which proves the date of first delinquency was before the closing date of XX/XX/XXXX which is 3 years before they claimed the date of first delinquency was in XXXX I requested multiple times for the statements for my account and have not been provided with any statements. I have tried twice before to get this removed from this website. Here are the reference numbers. 
XXXX XXXX They also inflated the amount owed. The statement I got includes the amount owed which was less than {$1000.00}. The statement in XXXX is over {$3000.00} If the account was closed by them then how would I be able to make over {$2000.00} in purchases.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Inquires : XXXXXXXX XXXX XXXXXXXX - XX/XX/2023 XXXX XXXX XXXX XXXXXXXX - XX/XX/2023 : XXXX XXXX XX/XX/2023 :
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my XXXX XXXX : XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Product: Checking or savings account

XX/XX/2023 I went to deposit my company deposit and the atm ate my money XXXX dollars they said keep the repo slip to let Chase know so thats what I did I googled what to do cause chase was closed due to XXXX XXXX  thats the companies partial payroll and its due tomorrow to my boss I dont like carrying that much money around do I put it in my account and I wound up getting robbed by the atm I need help I dont know what to do chase is closed and my payroll is due tomorrow I had to handle all affairs while my boss is on a business trip my boss is going to fire me please help me asap
Product: Consumer Loan

My husband and I went to a company called USA discounters back in 2009 when we were XXXX with our XXXX child and just getting settled right off base. We were both in the Military. Everything was fine, until my husband was suddenly XXXX three days after I XXXX and I moved home to be closer to my family. Money was extremely tight, things were getting worse, and we started missing payments. The payments were around XXXX a month. USA discounters started calling us threatening legal action, and finally started sending letters talking about taking us to court ... in XXXX. I lived in XXXX at that point and my husband was in XXXX. There was no way we could have ever gotten there. Now, this debt sits on my credit score. It gets updated every year, and it has prevented us from getting a house. We have XXXX small children. I still do n't know what to do. I 'm hesitant to even try and pay it, because of how terrifying these people were in the past to us. Now it is with a credit reporting agency, the same one who USA discounters was sending these horrible notices through. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone using my name and identity ( but using a XXXX, FL, address, a place I have never lived ) opened an account with Kikoff Lending LLC with a charge of only {$24.00} on XXXX XX/XX/XXXX. There are unconfirmed reports from other consumers that this company has been known to open accounts in one 's name arbitrarily. On a credit report run on XXXX XX/XX/XXXX, I was called " seriously delinquent '' by this firm. I am reported as past due by only {$6.00} as of XX/XX/XXXX. I never have dealt with this firm in the past, nor have I ever been delinquent on a payment. Attempts to phone the company lead only to a voice mail telling the consumer to email all questions to a dubious email along with SSN, etc. I have no intention of sharing private information with this company as they have decimated my XXXX to the point that I can't even get a small, short-term loan with my bank. I have reported this to XXXX and they have opened a fraud complaint and are seeking to resolve this. I have not sought legal recourse, but am comtemplating a criminal law suit against this firm. At the very least, they should be put out of business and the principals in the firm prosecuted to the fullest extent of the law for this felonious act.
Product: Credit card or prepaid card

I am unaware of this account Capital One ending. Please can you have the company provide me more information showing my signature on any agreement between myself and the firm reporting to the credit companies?
Product: Mortgage

I had a mortgage with Freedom Mortgage Company. I fell that my escrow and mortgage were not properly managed by Freedom. I received multiple late payment fees and interest from the state of Massachusetts because Freedom made errors, missed payments and did not make my payments on time. I never pay my mortgage late but yet XXXXreedom rarely paid my taxes on time. 

In a addition I had a 30 year fixed FHA Mortgage with Freedom yet my monthly mortgage payment would fluctuate and increase as much as {$300.00} a month. They said it was in increase in my property tax and insurance but that did not add it. 

I have contacted freedom a number of times to address my concern but they were none responsive and dishonest. they said the could not provide me with anything in writing or detailing my escrow account history.
Product: Debt collection

Wilson Riley and Associates keeps contacting me illegally. They are trying to reach someone else. They have left me intimidating phone voicemail messages with a case #. I 've told them repeatedly they have the wrong person and they refuse to stop harassing me. I am reporting them every place I can find!
Product: Mortgage

I have a mortgage with Freedom Mortgage. I started making bi-weekly payments for a year and almost every payment is misapplied charging me double finance charge on almost every single payment. I have spoken to them on numerous occasions and almost takes an act of Congress to get them to apply the payments properly, sometimes having to follow up 2 or 3 times until the payments are properly applied. If this is happening to me, I know its also happening to anyone else who is making bi-weekly payments. I even asked for an audit of my loan and all to no avail. They even refused to allow me to speak to anyone in the payment processing department. I have spoken to customer service manager and still get nowhere and they cant even offer me any solution to their inability to properly apply payments. Freedom Mortgage is stealing finance charges from unsuspecting customers and this must stop. They are violating the law and refuse to do anything about it. All their loans should be audited by Federal Auditors to verify compliance. Thank You for your assistance
Product: Debt collection

Freedom Debt relief is falsely representing their services. In many cases they are not at all negotiating any relief from creditors, i have several accounts that I am now paying MORE in return from the enrolled principal amount of debt. This is negatively affecting my credit score. Furthermore, they have refused to disclose to me their tactics, what terms they were negotiated on, whom i can speak with about how my debts were discussed, and why the repayments are higher than the amounts I OWED the creditors. I also was discouraged from disputing anything on my credit report and was told that I could not know the terms of the repayment or debt repayment discussions. Additionally, I have refused the terms of the most recent debt because its higher than the amount I enrolled into the program, they are refusing to move on, and address other areas of debt instead. They refuse to provide me with any information regarding how and what terms my debt was negotiated, and they can not tell me why my enrolled debt is lower by thousands than the results they are negotiating. I can not fix my credit without this information. I doubt they are negotiating AT all. They are falsely representing the amounts of debt that they have reduced. For example, a principal plus their FEEs means that I actually lost more than {$100.00} on one account for having them " negotiate '' my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account. Please remove this account, it is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 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 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled a BJs credit card in XXXX of XXXX. The membership fee was waived and credited to the account the same month. The credit card company, Comenity Capital Bank, continues to report the account as delinquent. I have spoken to Comenity managers several time over the past 3 months to no avail. I have called both reporting agencies ( XXXX and XXXX ) and they confirm that Comenity is still reporting the account as delinquent.
Product: Debt collection

I am a co-signer on this loan, I have a court ordered repayment plan dated XX/XX/2013. Payments have been made every month as the repayment plan required. They still attached my State Income Tax Refund. Due to their incompetent bookkeeping methods, they have pulled me into court for garnishment a half dozen times since and have lost every time as I can prove the payments. No garnishment can take place as long as all payments are timely made. We do not trust them. I live with the signer and she pays them with Money Orders because when ever they get the itch they will sweep your checking account. This also has happened. Then you don't have the funds to pay your bills.You have to go to court to even ask for your money back, you usually don't get it, you lose work time and who knows what else. They are harassing me. Punitive steps need to be taken. I have to take time off from work for all of this etc. I don't get paid for this time and inconvenience for their issues. The company is WWR working for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received copy of credit report due to XXXX. Account with XXXX credit limit {$1500.00} is an open account that I did not authorize. I am a victim of identity theft this account by XXXX XXXX, Account # XXXX is a result of fraud. I have notified XXXX XXXX  and they have failed to properly investigate and resolve the issue. I believe XXXX is opening accounts in people 's names illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX. that a computer glitch that was XXXX 's problem, not mines caused my inquiries to be deleted. XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX. These inquiries add a hardship and that my rights were violated by XXXX. CFPB help me make XXXX stop victimizing me. As a resolution that all of my XXXX inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Credit card or prepaid card

i received a letter in the mail from Jefferson Capital Systems LLC, about a charge on a XXXX account for {$660.00}. When the man ask me to verifiy the last for of my SS # he said that is not what is on file, they have the last for of a SS # of # XXXX that is not mine and this bill and account is not mine account # XXXX JCS Reference # XXXX,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX paid {$240.00} to LexisNexis for LexisNexis to give them a Credit Report on me. XXXX XXXX then denied me Insurance stating the LexisNexis Report states negative information, and based on LexisNexis we hereby deny you Insurance ... and we further disclose that we paid LexisNexis {$240.00} for the LexisNexis Credit Report we used to deem you not qualified.
Product: Credit reporting or other personal consumer reports

Contacted CREDIT CONTROL SERVICES. I let them know that my account with XXXX XXXX was paid in full to XXXX XXXX. They refuse to remove their collection off of my credit report.
Product: Debt collection

XXXX XXXX is a third party company reporting on my credit report this is break the law a third party company cant report on my credit report only the original creditor can Dear I am writing in response to your letter dated. ( copy enclosed ) because I do not belleve I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Product: Debt collection

I noticed my credit score went down. I checked XXXX and XXXX and saw a collection in my credit report. It is from a collection agency ( AMSHER COLLECTION SERVICES ) related to some XXXX account. I never had an account with XXXX This is either a mistake or an identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts/ inquires cant be verified and need to removed from report XXXX XXXXo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company calls repeatedly every day and has for months claiming to be trying to collect a debt from someone I've never heard of ( we are a business ). 

If I press 0 to speak to a live person the moment I try and explain myself they hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX certified receipt mail letter was sent to TransUnion and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded TransUnion that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to TransUnion to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. As of today, XX/XX/2019, TransUnion has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, the company updated my credit report stating that the item was investigated and verified as accurate. The debt listed was not changed because TransUnion " verified '' ( with no paperwork ) that the information reported was accurate. TransUnion is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself provided by XXXX XXXX. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).