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

I am writing to formally dispute an inaccurate late payment entry from XXXX XXXX XXXX XXXX, reported on my credit report with a date of XX/XX/year>. I believe this information is incorrect and does not comply with the standards of accuracy required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x. 
Upon reviewing my credit report, I identified a late payment entry that I believe is erroneous or outdated. Under 15 U.S.C. 1681e, credit reporting agencies are legally obligated to ensure the information they report is accurate, complete, and up-to-date. Additionally, per the FCRA, outdated or irrelevant information must be removed from my credit report. The continued reporting of this entry is negatively impacting my credit profile and is unjustly affecting my ability to obtain financing, including an auto loan and mortgage. 
As this late payment entry appears to violate these provisions, I respectfully request that you conduct a thorough investigation and remove it from my credit report if it is found to be inaccurate. 
Please provide me with written confirmation of the results of your investigation and an updated copy of my credit report once the necessary corrections have been made. 
If you require any additional information to process my dispute, I can be reached at the contact details above. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX Date of Birth : XXXX SSN : XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I got a phone call from XXXX XXXX XXXX regarding a vehicle I wanted to look at. I went to XXXX XXXX XXXX after I got out of work. I have been in Social Security XXXX since XXXX. I suffer from XXXX, and XXXX XXXX  alone with several other XXXX. 

Once I got in the door, as no other customers were in there, all the salesmen jumped on me to but this vehicle. I went into a XXXX XXXX as well as XXXX flaring up. In other words, all of them on me was too much. The salesmen also said that I 'was there to but the car ', I argued that I only wanted to look at it. 

I signed many documents under severe pressure from the salesmen there. I didn't even know the cost until the papers were signed, except for the Loan Application, which I refused to sign as it had fraudulent financial information written into it. I have put on here, my actual income from SSA. While working, I had to repay SSA as I was drawing SSXXXXI. 

I was taken advantage of, and Wells Fargo Auto Finance should know that as I bank there regularly. I`ve had to repay SSA over {$10000.00}. Now I`m retiring after years of working as a XXXX XXXX XXXX XXXX. Also, I only worked at XXXX XXXX XXXX for XXXX month, not XXXX years, which was on the Loan Application that I did not sign. I didn`t see any of the sales paperwork until one full month after the sale.

I called Wells Fargo Auto Finance right after the sale, and the representative told me 'too late, you already have the loan ', so they would never have worked with me on the fraudulent deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Product: Debt collection

Credit Bureau of Santa Maria is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX  - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I havent checked my credit report in a while and realized that I had a lot of hard inquiries that I did not do, XXXX XXXX XXXX  on XX/XX/year> was the hard inquiry I dont even know what it is ProsperXXXX ( finance ) on XX/XX/year> XXXX ( bank ) on XXXX XXXX XXXX XXXX  ( bank ) on XX/XX/year> XXXX  ( bank ) on XXXX XXXX All of this hard inquiries were not made by me, Im thinking is when I lost my if and social was around the time this were made, and was just noticing these,
Product: Debt collection

Calling a private business phone. The phone is located in the lobby of a major hospital in XXXX Oregon. The line that gets called redirects to a specific unit, employees at this hospital have no knowledge of the name of the XXXX persons that they are calling for. Multiple staff have repeatedly explained that to the company and have asked to have the nubmer taken off their list, and they continue to call daily.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally dispute several accounts on my XXXX credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Upon reviewing my credit file, I identified the following accounts that I did not initiate : XXXX. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor : XXXX  XXXX XXXX XXXX : {$58000.00} XXXX. Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$51000.00} XXXX. Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} I request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within 30 days.
Product: Mortgage

Original complaint was filed on XX/XX/2024. Shellpoint replied on XX/XX/2024 and did not factually report the facts. Please revisit complaint XXXX. 
I was approved for loan modification program in XX/XX/2024, payments under the new plan started in XXXX. I made my first payment online via XXXX. 
Payment was made on XX/XX/2024 as I was told that there was a 15 day grace period. Payments for XXXX and XXXX were done through my bank. They could not do payments electronically to Shellpoint, so a paper check was sent to Shellpoint by XXXX XXXX for XXXX and XXXX. 
The bank has withdrawn the money from my account and sent the payment to Shellpoint. The payment is not complete as Shellpoint has not deposited the checks sent by the XXXXXXXX XXXX. 
Shellpoint is not being honest in their response to the original complaint. 
I have tried calling and sending emails and letters but they are not answered by Shellpoint. XXXX mailed checks to Shellpoint XXXX XXXX XXXX XXXX, Michigan. This was what I was told by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I fell like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress it has cause me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Credit card or prepaid card

I wrote Capital One on XX/XX/2023 and mailed on XX/XX/2023 requesting to pay off the closed QuickSilver and Walmart cards for removal from credit report ; received response that said I had to call the Customer Service number. 

I called Customer Service today, XX/XX/2023. I spoke to representative XXXX, id # XXXX, and requested a letter/email stating " once/if the account was paid in full the account would be removed from my credit report ''. 

XXXX responded that Capital One would remove the account from my credit report ( she said this 3 times ), when my balance was paid in full that a settlement would not be offered. I asked for this in writing because I'm not falling for the trick of you pay, we leave it on the credit report even though we said we'd remove it. 

When I pressed XXXX for the letter/email, XXXX changed her wording once again stating that when the account is paid I'd receive confirmation. When I pointed out that her wording was changing she became very flustered and tried to interrupt every thing I was saying. 

She then said something that since I'm not going through a company to do this that Capital One won't negotiate. I stated I will pay the balance in full if I receive the letter, she said " yes ''. Then I asked for the letter again and was told it will be provided once the account is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX 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, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am responding to your communication about a debt youre trying to collect. 
Please send the following information : The name and address of the original creditor, the account number and the amount owed Verification that there is a valid basis for claiming I am required to pay the current amount owed Details about the age and amount of the debt including a copy of the last billing statement from the original creditor A detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest The date the original creditor claims this debt became delinquent Whether this debt is within the statute of limitations and how that was determined Please also forward details about your authority to collect this debt : Include whether you are licensed in my state, and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a very long time I have made efforts in getting rid of a collection account or the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXXand the company has failed to adequately provide me with documentation that the count actually belongs to me. The original that was in XX/XX/XXXXand I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims
Product: Money transfer, virtual currency, or money service

Capital One is blocking me from enabling and accessing external applications.
Product: Checking or savings account

I have savings accounts and CD accounts at Barclays Bank, I am very upset I have received over 40 emails from these folks deleting my Beneficiaries and changing information on them and percentage amount. I have called them numerous times trying to get this fixed and asking them not to do this. No Bank or bank employee should be allowed to change and delete Beneficiaries on any persons account this is simply a very dangerous situation. After numerous conversations with them and me even putting them back myself they still keep deleting them. THIS IS NOT ACCEPTABLE AT ALL. I am copying the latest deletion EVEN THOUGH I have updated it myself you have deleted again Current beneficiaries Add a beneficiary NamePercentageVerifiedAction XXXX XXXX XXXX % Yes XXXX XXXX XXXX % Yes XXXX XXXX XXXX No. These are my XXXX XXXX and I want these folks either to fix their problems, and never be allowed to change a beneficiary again
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, I did not authorize the accounts or inquiries outlined below. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be investigated and removed from my credit report promptly. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern, The reason for my dispute is AFNI XXXX   XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AFNI failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationAFNI is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AFNI is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.AFNI has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

There is an account on my report listed as XXXX XXXX XXXX  and is reporting as past due. I did not attend XXXX XXXX and do not owe this institution any money. This should not be reporting under my name and is violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I left a business in which I was the Guarantor on several accounts. One account being a Chase Bank credit card. Per legal contract with the business I was leaving they were to remove me as guarantor from all accounts and assume all prior debt and future debt. This was in XX/XX/XXXX. 

In XX/XX/XXXX I found out that they were still using my personal guarantee and had made no attempt to remove me. This was a fraudulent use of my credit. I closed the accounts immediately I hired an attorney and began a law suit which resulted in an out of court settlement agreement. It was too late to fix any credit issues that came up. qn attorney who did not understand that I needed to expedite the process before my credit was trashed. 

I am an account holder with XXXX credit reporting as my FICO Score is normally between 790 and 830 on average. On XX/XX/XXXX my score dropped from XXXX to XXXX ( 200 Points ) and Chase Bank Business credit card services reported two months of missed payments.

I believe I had the right to be notified of any changes prior to my score being changed and notifications of any payments in default. If they sent that to the company I no longer owned of it was not forwarded to me by mail or email. 

Chase had my SS # and could have found my home address at any time. 

Now under the settlement agreement I managed to get the account paid in full within a week but after two months of missing payments by the company. Chase did remove the non payment info but not the business address. However, they only restored 132 points to my FICO credit score making my normally excellent credit score just good.

I noted another address that looks like a typo to my home address. Have to fx that also and was placed on the report by chase.. 
. 
I placed a Fraud alert on my accounts and XXXX used the words military service. I am XXXX years old and have no reason to join the military. I am now forced to explain by letter to correct that. They cant explain or fix it by phone. I guess i many now be in the military under XXXX XXXX. 

MY issue is that my credit was used fraudulently. I have hired a firm called XXXX XXXX to go through my credit reports and have them fixed and have provided all legal documents.. 

The one big no answer that a have received from everyone so far is why cant I get my full FiCO credit points restored. Am I the only one to ask? XXXX said it was a computer-generated decision, so now according to the computer I am not good enough to have excellent credit only good credit.But I can fix that over time they said. I have already spent 32 years keeping excellent credit scores but that does not count. 

So does anyone know how to restore Fico Points removed from an account by fraudulent use. I could sue Chase Bank and waste more money but there should be a way to dispute the point Reduction in cases of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that USCB AMERICA properly investigated this account because there are obvious inaccuracies. 

XXXX Account Numbers XXXX and XXXX which were in collections are already removed from my report. However, Account XXXX XXXX is still on my report. These accounts were deleted due to it being inaccurate and unverifiable so my question is how are they reporting this still if this is the case? 

USCB AMERICA has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the XXXX duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. 

USCB AMERICA has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Product: Credit reporting or other personal consumer reports

Inquiry reporting on my credit report that I do not recognize, do not have a open account or did not authorize inquiry.