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

I appreciate you making the effort to delete some of the data on my credit report, but there are still inquiries that need to be removed. The 3 Credit Bureaus must verify these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed inquiries will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing a complaint against Equifax, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax, XXXX, and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure they complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate. I want the following accounts removed : 1 ) XXXX XXXX XXXX, # XXXX 2 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX 3 ) XXXX XX/XX/XXXX, # XXXX 4 ) XX/XX/XXXX XXXX, # XXXX 5 ) XXXX XXXX, # XXXX 6 ) XX/XX/XXXXXX/XX/XXXX XXXX XXXX Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Numbers : XXXX 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
Product: Mortgage

We had an escrow shortfall in XXXX that we paid, but our payment amount was also supposed to change in XXXX from {$1900.00} to {$1900.00}. We called LoanCare in XXXX because the system said we hadn't paid XXXX 's mortgage, but we had. They never said anything about the payment not being right, just that they had applied the payment to a category called " unapplied funds ''. They moved the money out. The same problem happened again for XXXX, XXXX and now XXXX even though we corrected the shortage in XXXX ( so we were short 4 months and they just kept borrowing the money short from each payment as they told is XXXX they can do per our agreement and NOT tell us BTW even though we're on the phone with them that we're making the wrong payment amount ). We have called every month, sometimes, more than once, to try to correct. Today they told us that they will not be able to correct until XX/XX/XXXX with no explanation why. We keep trying to explain to them this is simple math. In XXXX they have billed us {$16000.00} and we've paid them {$16000.00}. They still show us a full month behind on our mortgage as all payments sit in unapplied funds until we call in and force them out - even though we don't owe anything. Their phone system does not call you back either. 

We sent a letter per their instructions from their website certified mail to the " office of the customer '' and followed the CFPB guidelines requesting error correction. They said they've never heard of it when we called today to follow up XXXX no proactive follow up from them ). 

We're going on XXXX+ months of trying to get our payment history fixed with my husband spending 2 hours with them on the phone alone today - with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/20, my Wells Fargo debit card number was stolen and used to make a series of unauthorized purchases in a matter of a few hours to several online stores totaling approximately {$3700.00}. Some of these fraudulent purchases were caught and reversed and some were not- leaving the amount stolen close to {$1600.00}. This is a significant breach of my security and account which was reported to Wells Fargo the same day - and I haven't received much of a response from the company other than a claim number.
Product: Debt collection

LJ ROSS called me and they want me to pay {$320.00}. I paid all my balance by XXXX XXXX   credit card settle in full XX/XX/XXXX-XX/XX/2019.

They still sent my file for {$42.00} on XX/XX/XXXX-XX/XX/2019.

We are trying to refinance our house and the score dropped drastically. I called them and they said they missed the amount so they reported to the credit bureau.

I again offered to pay and they took my money and they are stating it's my job to call all bureau and fix. The staff is rude.
Product: Credit reporting or other personal consumer reports

These accounts were opened without my knowledge or consent and I wish to have them removed IMMEDIATELY. These fraudulent items have caused my credit report to drop dramatically without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allows inaccurate reporting on my credit profile on a account that has been fraudulently reporting on my report. The account has been reported closed and paid in full numerous times and has never been reopened. In the last 6 months it been closed now reopened with a monthly payment but zero balance. Ive already disputed this account and showed that I havent open or reopens this account and although its been closed Experian allows their customer to report it open multiple times and add Monthly payments. This account being magically reopened is a negative on my report.
Product: Checking or savings account

Over the past 3-4 years Navy Federal has been charging me overdraft fees when I was enrolled in the overdraft protecting program they caused my account to close having me in a hardship unable to pay them back because of all these fees.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1100.00} XX/XX/year> INQUIRIES NOT RECOGNIZED XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
I received two letters from the same accounts, Accounts ending # XXXX I received two letters from the same accounts, Accounts ending # XXXX I been receiving, phone calls from the same accounts/ that's also a violation of my rights. number XXXX That has violated my rights, I will be uploading the Letters that 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. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX account ( s ), XXXX XXXX XXXX {$8200.00} # XXXX XXXXt XXXX bank {$960.00} # XXXX Dept of education XXXX XXXX Department of education {$90000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} XXXXXXXX XXXX webbank XXXX XXXXXXXX {$3900.00} # XXXX XXXX XXXX XXXX XXXX {$870.00} # XXXX Absolute resolution XXXX XXXX XXXX {$1800.00} # XXXX XXXX # XXXX {$260.00}, have violated my rights. 
( 15 USC 1681 section 602A. ) States I have the right to privacy. 15 USC 1681 section 604a also States a consumer reporting agency can not furnish my account information without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is imperative that you take immediate, aggressive action to rectify this situation, as it is causing severe damage to my financial well-being, and I hold TransUnion responsible for allowing these errors to persist. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I recently sent a letter to Experian to dispute inaccuracies on my credit report. I have yet to get a response from them. I just got my report that i decided to order and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must taken to be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : *Pay off Disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reporting incorrect balance ) I respectfully ask you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

I also heard that under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I received a copy of my consumer report and Ive noticed fraudulent account/inquiries. FTC definition states that " Identity fraud is when someone uses your personal or financial information without your permission ''. with that being said I have no knowledge of this inquiry and XXXX shall delete it. I did not give XXXX written consent to furnish my consumer report pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' once you receive this FTC report pursuant to 15 USC 1681 c-2 you shall delete it in 4 business days if not you would be in direct violation with the FCRA, knowingly continuing to use my information without my authority is another violation pursuant to 18 USC 1028a which is aggravated identity theft.
Product: Debt collection

On XXXX XXXX, XXXX, borrower contacted debt collector and acknowledged settlement offer from loan originator, Navient. Debt collector verbally denied borrower the right to settle referencing no knowledge of the agreement with loan originator. Furthermore, debt collector advised borrower that balance of {$8000.00} was different than balance of {$13000.00} loan originator was reporting to borrower 's credit reports. Debt collector also advised borrower that per the agreement reached in XXXX, there was no interest on the account. 

On the same day, borrower reached out to loan originator, and inquired about difference in balances, and debt collectors refusal to draft settlement agreement. Loan originator sent inquiry to Loan originator 's office of consumer advocate for review and response. Per loan originator, the debt collector had not communicated that they had committed to a repayment agreement with borrower, and therefore, Navient was reporting information incorrectly to credit bureau for a number of years. 

During the period of XXXX XXXX to XXXX XXXX, XXXX, borrower has contacted loan Navient, and XXXX, XXXX XXXX XXXX on a daily basis. Both parties seem to disagree on responsibilities of fair debt collection reporting, balances, settlement drafting, etc. XXXX, XXXX XXXX XXXX has informed borrower that account is not in collections proceedings due to the numerous errors, and they are in a holding pattern waiting for confirmation before collection action resumes. Borrower has, on numerous occasions, often daily, offered to make payment and or settlement in exchange for fair credit reporting from both parties. Both parties have remained in holding pattern, and improper balances, account status, and payment information has been reported to borrower 's credit account, thus harming credit standing, and civil liberties in regards to financing a home, available credit, consolidation, etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Wednesday I used the service of Xoom money remmitance to  send money for my fianc in XXXX I used their service since I've been a customer for quite a while until this XX/XX/XXXX Wednesday that I used my bank account as auto debit transaction to be deposited to my fianc account using their assigned XXXX partner XXXX XXXX  XXXX to receive my remmmitance. On XX/XX/XXXX my fianc went to pick up the money and had her bank book updated. When she asked the teller to withdraw the said money transfer I sent her on ( XX/XX/XXXX ) they told her that the money is still on floating status and come back sometime XX/XX/XXXX if it's available. The reason I'm complaining is that I paid a bank to bank same day service to xoom and they have not done their part on this matter. Kindly address this complain the soonest for my family is in need of that remmitance for their food and medical needs. XXXX bless!!!
Product: Checking or savings account

On the night of XX/XX/22, I was likely drugged  because I woke up in my hotel room the next day not remembering what had happened. My friend said that I was missing the night before for about an hour but I couldnt remember anything. I then discovered that my phone was missing, but still had my wallet. A little later, I discovered that my drivers license, one credit card, and one debit card were taken. One credit card remained in the wallet. The theft took my Bank of America Debit card and used as the following below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XX/XX/22 {$200.00} XXXX XXXX  XXXX XXXX, XXXX, LA XX/XX/22 {$800.00} XXXX XXXX XXXX LA XX/XX/22 {$4.00} XXXX XXXX XXXX LA XX/XX/22 {$1000.00} XXXXXXXX XXXX XXXX, CA XX/XX/22 {$1200.00} XXXX XXXX XXXX, CA XX/XX/22 {$1500.00} Bank of American stated that they will give me temporary credit while they investigate, which they never did for the 2 transactions for XXXX XXXX. Later, they then took back rest of the temporary credit for the other 4 transactions. 

I already told them in the beginning that I was a victim of identity theft and provided them with the police report, and also filed a report with the FTC, which they still rejected my claims, for which I am filing a complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit inquiries not done by me. My purse was stolen and fraudsters tried to obtain credit in my name
Product: Credit reporting or other personal consumer reports

students loans have been paid, why are they still showing? how did they receive my information anyway and post it on report since student loans are not supposed to be reported on any reports due to privacy. other accounts, i disputed them, came back resolved quickly?
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been removed as the file is not mine. Experian and XXXX XXXX have failed to investigate and fix the issue and have also failed to update the account to relevant information. Both companies are on there 10th dispute with failures to resolve issues
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I contacted Omni Loans which specializes in military lending because not many companies offer loans to Soldiers due to the Military Lending Act. I was told I couldn't apply for a loan because I was permanently ineligible to apply for a loan because I cost the company money back in XXXX of XXXX. Now under the Equal Credit Opportunity Act, I am to be offered a fair opportunity to apply for credit without being discriminated against. I feel that is happening here. Prior to XX/XX/XXXX, I was a loyal customer and I paid my bills back on time ; I had a good track record with the company but something bad happened to me and I had to file for a XXXX to mitigate future damages to my family.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

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

There is a freeze on my credit report for all five credit bureaus that need to be removed immediately the following bureaus are listed : XXXX, XXXX XXXX, Transunion, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  failed to withdraw the XX/XX/XXXX payment from my account. So I was 30 days late. That was the ONLY time that I was late. I then closed the account and paid it. They have now listed that I was 30 days late TWICE on my reports, which is inaccurate. They have failed to correct said innacurate information now after I disputed it with the cras it has tanked my score by 60 points.
Product: Credit reporting

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX County Special - XXXX XXXX County Special - XXXX XXXX County Special - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX. 
I have attached What these items are :