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

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX said i had late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX said i had late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX the acct is in good standing and has been. 
15 U.S.C 1681 SECTION 602 A. STATE I HAVE A RIGHT TO PRIVACY 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT LATE ON CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Product: Credit reporting or other personal consumer reports

The Current address is not accurate. Please help and fix this. Inaccurate previous address. Requesting for an investigation. 
XXXX XXXX : XXXX : High Balance : The field is inaccurate and inconsistent with fields from other bureaus. Please investigate and correct the item. Last Verified : A potential discrepancy in the credit report is evident as it doesn't align with other reports. Please verify this, and if necessary, amend it. Date of Last Activity : Possible inaccuracies are present in the credit report for this field. Take the necessary steps to resolve the issue that has been raised. Date Reported : I'm contesting the information in this field because I need you to follow the law and ensure that it is currently 100 % correct, even when it seems to be different from the other bureaus. Please conduct your research and provide me with updated facts. Date Opened : The data reporting for this field poses an issue due to its inaccuracies. Eradicate all mistakes. Closed Date : There appears to be an error in this segment of my credit report as it contrasts with other reports. I kindly request you to examine and address the matter in question. Account Rating : The field provided is misleading and does not align with the reports from the other bureaus. Please ensure that you thoroughly inspect and remedy any errors. Comments : Possible errors exist in this field located on my credit report. I demand that the cited problem be resolved. Account Type : This field evidently has issues that need resolution. I'm insisting on the immediate amendment of this item. 
XXXX XXXX XXXX XXXXXXXX : Last Verified : Given the way the credit information is presented, it is deemed imprecise. Make the necessary adjustment as soon as possible. Date of Last Activity : The credit report displayed a field inaccurately, differing from reports of other bureaus. Investigate the information in question and correct accordingly. Date Opened : The field 's information is misleading because it is inaccurate. Correct this field. 
Under the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy its been over 30 days with the dispute theyve Violated my rights and I would like these deleted.
Product: Credit reporting

I 've had my driver 's license, social security card, checkbook, and several credit cards stolen. Fraudulent accounts have been opened in my name. I filed police reports, fraud affidavits, disputes with creditors of the fraudulent accounts opened in my name and all the credit bureaus. I have disputed XXXX XXXX fraudulent account with Experian several times providing police reports and affidavits. I have contacted XXXX XXXX and provided them with the same information. XXXX XXXX agreed to have the account deleted from my report.Other XXXX bureaus deleted the account from my report immediately. Experian keeps verifying fraudulent information and refusing to correct my report. Experian is in direct violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent American Financial Solution {$100.00} Account number XXXX Hard Inquires : Experian Business Credit XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Experian Business Credit XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a law suit against all parties involved, including any agency reporting fraudulent information to my credit report
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from Equifax XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX  XX/XX/XXXX. 
This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of EDXXXX violated the United States Code Law. As detailed in 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In XX/XX/XXXX, I received notification that my credit report had XXXX late payments reported from the Department of EDXXXX XXXX This was the first time I was aware of payment being required as the Department of EDXXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all XXXX student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. I submitted hardship letters to the Department of EDXXXX requesting they grant me a Goodwill Request as the XXXX late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. 

The Department of EDXXXX  has continuously refused to not respond to my letters and has violated my rights as a consumer. 

Please consider this request.
Product: Mortgage

Please reference : COMPLAINT ID # XXXX, SUBMITTED ON : XX/XX/year> and COMPLAINT ID # XXXX SUBMITTED ON : XX/XX/year> My daughter and I sent an endorsed check to Freedom Mortgage Loss Draft Department XXXX XXXX XXXX XXXX on XX/XX/XXXX @ XXXX. Much like the previous issues referenced, Freedom Mortgage is once again purposely holding our final insurance check and not releasing it as directed. 
This check has been reissued 3 times, originally sent as final ordinance/law/depreciation payment recovery. XXXX completed an inspection after our final roof repair and released the funds held in Escrow upon said inspection 's confirmation of over 95 %. 
We called to check-in on the status of the check being returned, endorsed, to us on XX/XX/XXXX. We were told that it was processed and showed waiting for final verification. It was confirmed that nothing else was needed, they noted the over 95 % inspection and stated it's a XXXX day process and it would be sent with the pre-paid overnight label we included. 
Today, XX/XX/year> we spent an hour and XXXX waiting to speak to someone. When a representative finally answered we were told an email was sent yesterday, requesting an updated adjusters report. Then he corrected and said it went to XXXX XXXX, after I stated no email was sent to us. We spent XXXX trying to clear up this nonsense. We requested to speak with the person reviewing and holding up releasing my funds and were told that department can not be reached by phone. 
Again, I am caught in Freedom Mortgages inept handling of our account. One hand never knows what the other is doing and apparently they don't talk to the other either. 
The fact that they don't bother to check the paperwork already in their possession, resulting in a needless drawn out recovery process is pure negligence. They have been in possession of the report. It clearly shows the breakdown of payments and the Replacement cost/Depreciation amount of {$7300.00} AND the XXXX and XXXX amount of XXXX. Anybody can add those amounts on a calculator and come up with the amount the check is for, {$13000.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report and observed there are still several inaccuracies and incomplete information. I have previously notified you of the inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), it is mandated that consumer reporting agencies must employ reasonable procedures to ensure the highest possible accuracy of information contained within consumer reports. Specifically, the following accounts appear to be incomplete and inaccurate : Furthermore, as per 15 USC 1681s-2, it is unlawful for any entity to furnish information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe that the information is inaccurate. Attached is a few of the things You are currently in violation of several laws that include.15 USC 1681i, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). This has caused me tremendous hardship and I would like for this to be remove immediately. 

The Information being reported is wrong 1. Date Account Open 2. Payment Status 3. Late Payment Status 5. High Credit XXXX Account Number : XXXX Please remove it from my credit report. 

The Information being reported is wrong 1. Date Account Open 2. Payment Status 3. Late Payment Status 5. High Credit XXXX Account Number : XXXX Please remove it from my credit report. 

The Information being reported is wrong 1. Date Account Open 2. Payment Status 3. Late Payment Status 5. High Credit XXXX Account Number : XXXXXXXX  Please remove it from my credit report. 

The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

This account is reporting open and closed and the account has inaccuracies. It is also reporting as a charge off and the balance should be XXXX XXXX XXXX XXXX XXXX IN XXXX Account Number : XXXX Please remove it from my credit report. 

This account is reporting open and closed and the account has inaccuracies. It is also reporting as a charge off and the balance should be XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and eliminate these items from my credit report. It is my understanding that you will verify these items with the relevant creditor. Please delete any information that the creditor is unable to verify. I am aware that, pursuant to 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the aforementioned address. According to the Act, there should be no charge for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report in the past six months of the necessary corrections. 
Thank you for your attention and assistance in resolving this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian XX/XX/XXXX and XX/XX/XXXX of this year because of inquiries that were placed on my credit report. 
These were unsolicited items. They items were credit offers that I did not solicit these offers since I current have 9 credit cards with only two having balances. They were added on the report XX/XX/XXXX and XXXX respectfully and XX/XX/XXXX all this year. 

I have no accounts associated with these inquiries as well being reported by Experian on my credit report. 

The following inquiry was to bet a soft inquiry for membership with a credit union XX/XX/2020. The address is actually incorrect as well. Should be XXXX XXXX XXXX XXXX. XXXX, Ca XXXX. Which not only a hard inquiry when it should be a soft inquiry but the reporting of the address is inaccurate which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Im just now in XXXX aware, of an old debt from XXXX that was a Company loan from Wells Fargo. 18 Years Wells Fargo already collected as much as possible & added me to collection years ago for this loan. Wells Fargo had the audacity to sell this account to a creditor that I had no clue existed, by the name of XXXX XXXX I, XXXX. This collection company then lined my home in XXXX! I never knew about this. I was never served! This company lies saying they mailed me information for years also not true! I have never signed any certified letters from any of these companies. They have the nerve to say they served my son. He was in the XXXX in XXXX at that time! So that is also not true! How could he? Also I NEVER discussed with creditor company a settlement! LIE after LIE. This account is XXXX  years ago! This account was closed over XX/XX/XXXX years ago. Its a dead account! Wells Fargo says I don't owe anything anymore so why would they sell an old account. 
This is unethically! 
! CA STATE LAWS protect me the consumer through TIME-BARRED! 
Statute of Limitation on Debt! I never accepted owing the collection company 's NOTHING! & NEVER accepted settlements! 
I never made payments! I feel this is fraudulent Breaking CA LAWs! 
Creditors Can't prevail in court after XXXX  years, little the less after XXXX! 
I WANT & GIVE PERMISSION FOR CFPB to PUBLISH ALL this experience & feedback!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX XXXX : {$4400.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX, has violated my rights accordance to statue of limitations and other. 

Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumer 's credit report for up to 7 years. To determine when an account will be removed by the CRAs ( XXXX, XXXX, and Experian and others ), add 7 years to the date of first delinquency. 

XXXX5 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion has not responded to the previous dispute within 30 days.
Product: Debt collection

I sent a letter requesting specific information concerning the debt. I have not received ANY information per my request. The first letter and fax they claimed not to get. I then received a very strange letter in the mail but still NO evidence or ANY information concerning the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX XXXX, partial account numbers XXXX ; XXXX ; XXXX and XXXX. I have contacted the bureau and requested these items be deleted or the coding corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due amounts.
Product: Checking or savings account

In continuation to complaint XXXX, that I filed on XXXX XX/XX/2023, I have recently received a letter from USAA stating that information is needed from my wife to unfreeze our account. It was dated XXXX XX/XX/2023! They did not freeze my wife 's card until XXXX XXXX and that is the day that I called to complain and get it unfrozen. I requested a reason for the freezing of her account as well as what would be needed to unfreeze it. They created a letter and falsely put that it was generated and sent on XXXX XX/XX/2023. 

Beyond the fact that they are being deceptive on the timing of their notification, USAA provided no details on what is required. From my initial conversation with the representative on XXXX XXXX, I was informed that they needed additional information to verify identity. Together with my wife ( virtually since she is in XXXX at our home with the kids while I'm in XXXX doing military duty ), we submitted my passport, her passport, my military orders, and her permanent residence card via the online document submissions tool and received confirmation that they were received. And further proof that they were deceptive in the date of the letter, the messages in our USAA account inbox of me sending the aforementioned documents and the confirmation from USAA came on XXXX XX/XX/2023 when I sent them and the supposed XXXX XXXX letter was the latest message ( see XXXX ). 

After 18 hours of sending all of our documents for verification, our debit cards still do not work.
Product: Debt collection

I'm in the process of cleaning up my credit and I came across this account. I'm not recalling having this account. As per the fair credit reporting act can I please be sent proper validation, copy of original contracts with signature, breakdown of charges and amounts owed.
Product: Credit reporting or other personal consumer reports

The bank marked a negative payment without my consent even though I was complying with the minimum payment law at the time
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

On XX/XX/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.