23daVinci/CFPB_Complaints huggingface dataset:
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 Account with The XXXX XXXX XXXX - XXXX has violated my rights. 

XXXX Account with XXXX has violate my rights. 

XXXX Account with XXXX XXXX XXXX has violated my rights. 

XXXX Accounts with XXXX XXXX, XXXX has violated my rights. 

XXXX Account with XXXX XXXX has violated my rights. 

XXXX Account with XXXX XXXX has violated my rights. 

XXXX Account with XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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 and consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes that antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank of America These creditors are unable to provide proper documentation proving that I am able to pay the interest and charges on the account. 

XXXX XXXX collectors reached out and make false representations about my account. While the payment was active, the still reported the account as charged off. 

All creditors are unable to prove that I made an agreement of payment on each account. 

I am hereby requesting that all XXXX closed accounts on my credit report be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX ITEMS IN DISPUTE : collection/charge off : XXXX XXXX XXXX XX/XX/XXXX {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing this letter again to follow up with your company and let you know that your company is still violating the Fair credit reporting act and there is strict liability for data furnishers which means you will be held accountable whether you meant to do it or not. I mentioned in the previous letter that the reporting for every consumer reporting agency is inaccurate. The Fair Credit Reporting Act states that inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system I do not have confidence in the banking system due to your company abusing me and I feel as though its because I am a minority. I need these accounts and inquires removed from my credit report immediately because your company it is ruining my life and should be held accountable for breaking statutory laws. I have a right to privacy under the FCRA and I feel abused and your company is ruining my reputation. You have thirty days to delete this account from my credit report or else I will see litigation and monetary relief for being non compliant and violating my consumer rights.
Product: Mortgage

My loan was transferred to Ocwen from GMAC XX/XX/XXXX. Prior to the transfer, GMAC removed our MI monthly amount. Once the loan transferred, Ocwen began charging FHA MI monthly again. I sent a letter requesting the removal of the MI. I received a response from Ocwen stating that the loan was not at XXXX % LTV and that until it was at XXXX % LTV it would be on the loan. They also stated that the automatic removal of the MI was scheduled for XXXX XXXX. The letter we received from Ocwen, in XX/XX/XXXX explained that the LTV was calculated by the higher of the XXXX either the Sales Price or the Appraisal Price. My Sale Price and appraisal amount was the same at {$77000.00} so the XXXX % LTV is {$60000.00}, which our loan hit that amount prior to the transfer in XX/XX/XXXX. Since the transfer I have requested the MI be removed again without resolution. Ocwen changed the way they calculated the LTV and says that the Loan did n't qualify as of XX/XX/XXXX and then although I called and sent letters twice in XX/XX/XXXX, they say they did n't receive letters yet they admit to speaking with me. The removal of the MI did n't happen until XX/XX/XXXX, when once again another letter was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I went to the dealership looking for a car. I found the car I like. My sales person told me that he was only going to run my credit through XXXX XXXX XXXX XXXX. I ended up with more than 10 hard inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account # XXXX for the creditor : XXXX XXXX XXXX XXXX has been paid in full and should show a XXXX balance. The report from Equifax shows a balance of {$11000.00} which is incorrect. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX on report # XXXX ( from XXXX ) for credit XXXX XXXX XXXX XXXX has been paid in full and shows a balance of {$11000.00} on my report. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX*** on my XXXX  report ( # XXXX ) shows a incorrect balance of {$11000.00} which should show zero and account paid in full. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX on my credit report shows from XX/XX/2016 to XX/XX/2016 as delinquent but my account was in forbearance with XXXX XXXX and it has not been update to reflect what XXXX XXXX has on their records
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX  permanent and total XXXX veteran my injuries were were heavily on my mind and believe that I had made the payment on a timely manner I have been in my home for three and a half years and never had this problem before and after this infraction that won't happen again.
Product: Credit card

Throughout, I've made certain payments on this account are promptly settled, avoiding any overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at XXXX  account number XXXX XXXX XXXX XXXX amount of {$13000.00} ( XXXX ), XXXX XXXXXXXX XXXX  amount of {$13000.00} ( EQUIFAX ) has violated my rights. 

I dispute this debt and its inaccurate information. The credit type on this particular account reads as a XXXX XXXX. That information is wrong and should read as a CREDIT SALE. 
I also dispute the late payment and payment history as it reads that 0 % of payments have been made yet it displays a last payment as of XX/XX/2019. 
This account reads that I have late payments but it also reads as a repossession. I can not possibly have a late payment if the property has already been taken back and resold. 
I deserve the right to an accurate credit file and this inaccuracy is unacceptable. Please removed this debt and inaccurate information immediately. 

Statue 15 U.S.C 1681 section 602A states I have a right to privacy.

Statue 15 U.S.C 1681 section 604A states a consumer reporting agency can not furnish a account without written instructions from the consumer. 

I am the consumer and I do not give permission to furnish information on my report at this time.
Product: Credit reporting or other personal consumer reports

Inquiries attached on my account are not initiated with me, it doesn't belong on my credit report please remove it as it is a fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Name is incorrect please delete : XXXX XXXX XXXX I'll never live in the following addresses it is incorrect please delete:XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Delete all the unauthorized hard inquiries from my credit report : XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX This collection is not mine I'm a victim of Identity theft please delete : XXXX XXXX XXXX {$100.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because 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. 
XXXX XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Product: Checking or savings account

Somebody i opened a td bank account in my name and had checks and debit card mailed to my house otherwise i would have never known. They have access to my social somehow and did this online
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 Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Reporting Dear Credit Bureaus I am writing to formally dispute inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit reports, I identified several charge-offs that contain incorrect information. 

The following accounts require your immediate attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The balances reported are inconsistent, and the status is inaccurately listed as a charge-off with current payments. This needs to be corrected and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : The reported amounts are inaccurate and need to be removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : The report contains conflicting information, indicating both charge-off and open status. This incorrect information must be deleted from my credit report. 

According to the FCRA ( 15 U.S.C. 1681e ( b ) ), you are required to ensure maximum possible accuracy in reporting. If you can not verify the accuracy of these accounts, I request that you delete the inaccurate information promptly. Please provide me with all information your bureau used to verify these inaccuracies, including any METRO 2 compliant evidence, within the required 30-day period. 

Failure to comply with this request for deletion will result in my legal team taking action, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of North Carolina, as well as pursuing any further legal actions deemed necessary, including civil punitive damages. 

Upon completion of your investigation, please provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

per XXXX XXXX XXXX XXXX Why did XXXX XXXX get shut down? 
filed for bankruptcy. XXXX ( and therefore XXXX itself ) came under scrutiny from Federal regulators and watchdog agencies for misrepresenting its post-grad placement rates and targeting vulnerable, low-income students by pressuring them to take out student loans in order to attend the school.

this school gave me loans when i didn't have an accredit high school diploma so now i have loans rack up this school is also not accredit but im still being billed for the loans through navient XXXX XXXX - Subsidized SchooXXXX XXXX XXXX XXXX Loan Status Awaiting Form Administrative Forbearance Estimated Payoff Date XXXX/XXXX/XXXX {$1000.00} 2.320 % XX/XX/2022 Hide more information XXXX XXXX - Unsubsidized School XXXX XXXX XXXX Loan Status Awaiting Form Administrative Forbearance Estimated Payoff Date XXXX/XXXX/XXXX  {$1300.00} 2.320 % XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Traded car in for a better vehicle and loan. Called credit acceptance on XX/XX/XXXX. Was told that my account is closed and payments will reflect paid off on credit report. Also was advised I would receive gap coverage back that was required to purchase and was canceled XX/XX/XXXX. Along with return if rebate. I reached out and no one seems to know what I am talking about. The portal days closed on their website. Yet all XXXX credit reports are hurting showing open and late.
Product: Credit reporting or other personal consumer reports

I have sent three letters requesting proof of the debt, and the only response is a an automative letter stating account has been verified. 

In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post on my credit report. 

I formally demand the following negative account records to b e verified and/or removed immediately. Must provide proof of all your verification of the debt and where you obtained it from.
Product: Debt collection

I received a letter by mail from Sequium asset solutions. They said I owe {$650.00} to XXXX XXXX. I called XXXX trying to understand why I was getting this collections letter. XXXX asked me for my account number, which I didn't have because i closed the account in XXXX XXXX XXXX said without an account number they couldnt help me. When I closed my account with them in XXXX I paid everything out in full and still have that receipt. I then called the collection number and left a message. I also emailed them to dispute it and a day later they sent an email asking for it to be paid in full. I haven't had XXXX  or lived in the house where I had XXXX in a year and a half. I don't understand why I'm getting charged this and no one seems to want to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, Equifax, XXXX, XXXX Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, CXXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any  information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a home owner Of twenty years And I can not get a payment History from the three Credit bueral Bank of America Did a investigation The information reporting To the three bueral is correct When I look at my three Credit reporting every month They don't show my payment history on my home of twenty years Can this problem be Fixed
Product: Credit card or prepaid card

credit card theft account was sold to debt collector who has sued me. My son was an authorized user on my Capital One account. It was my daughter in law, XXXX XXXX XXXX, who stole his credit card from his desk drawer and every single purchase was made by my daughter in law after she stole the credit card. The purchases were made in CA and I live in TX. I never made any of these purchases on this card. All I need to show this was her is the itemized statement from XXXX and XXXX of XXXX. I requested this but what they sent only showed the balance due and was from XX/XX/XXXX. I specifically requested the itemized statement/invoice for those months. They said they would send it to my attorney but she has still not received it. Please send anything related to my attorney : XXXXXXXX XXXX XXXX, Attn : XXXX XXXX, Phone : XXXX or XXXX, mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my Equifax report that there were numerous inquires that I did not authorize. I have called on numerous occassions as well as disputed these inquiries online. I have also sent a letter on X/XX/2017 to Equifax ... <P/>I disputed on line to Equifax on X/XX/2017 stating that I did not authorize the inquiries on my Credit Report. Received notification on X/XX/2017 that " Inquiries are a factual record of file access '' I also disputed on line with Equaifx on X/XX/2017 and received notification via email on X/XX/17 that " Inquiries are a factual record of file access '' I did not authorize these inquires.
Product: Debt collection

i sent this company certified return receipt mail asking them to validate this debt because this debt is not mine because of identity theft. there has been no response from this company at all and it has been over thirty days since i requested a debt validation. this is a violation of the If a debt collector continues to pursue collection without providing this validation within five business days of the request, they are in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion for its willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically its failure to block fraudulent accounts from my credit report as required by 15 U.S.C. 1681c-2 ( a ). Since XX/XX/2024, I have repeatedly disputed these fraudulent accounts and provided all legally required documentation, including a valid identity theft report, government-issued identification, proof of address, and a formal written request identifying the fraudulent accounts. Despite this, TransUnion has failed to conduct a proper investigation and continues to unlawfully delay my request by forwarding it to the furnishers for verification, a clear violation of federal law. Furthermore, instead of complying with its legal obligation to block the fraudulent accounts within four business days, TransUnion has wrongfully accused me of misrepresentation without providing any specific evidence to support its claim. This refusal to investigate properly and failure to provide a detailed response constitutes willful noncompliance under 15 U.S.C. 1681n. 
The fraudulent accounts in question are : * XXXX XXXX Account XXXX. XXXX {$7200.00} * XXXX XXXX Account XXXX. XXXX {$11000.00} * XXXX XXXX - XXXX {$140.00} TransUnions failure to remove these fraudulent accounts, its improper reliance on the furnisher verification process, and its baseless accusations of misrepresentation violate my rights under the FCRA. I request immediate regulatory intervention to compel TransUnion to comply with federal law, block the fraudulent accounts, and provide a detailed written response explaining its prior failure to do so. If this issue is not resolved promptly, I intend to pursue legal action against TransUnion for its continued disregard of my consumer rights.