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

XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re  : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to  be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2008 until today I have been disputing fraudulent collection accounts fraudulent addresses and names that are spelled incorrectly on my credit report the only things I have been offered is freezing my credit which i had tried for almost a year and mad no difference in fraudulent charges being added onto my credit account even though my credit was frozen the creditors still allowed fraudulent debit collectors to add charges to my credit report Ive also been offered free credit monitoring and an added statement to my report warning that there has been and may still be fraudulent charges added to my report I have spoken to all credit bureaus over the phone pleading for them to stop letting fraudulent activities go on my report on my behalf and yet still 10 years later I am still waiting for someone to help me repair my report and reputation I have many inaccuracies on my report and it effects me so badly I have never been able to utilize my credit in an way possible I have also complained to the credit bureaus about an fraudulent secured credit card I had received 7 years ago that didnt not have the right no charge off on my report because I had placed a deposit on the card to receive it and I was also paying for loss insurance XXXX XXXX  had offered to me when I signed up for the credit card which was supposed to be an option that allowed me to pay the card off in full if there was an emergency like a loss of job or other financial emergencies in which first premier never condoned or even offered this incentive I payed for when I had experienced sudden loss of financial willingness to pay my monthly bill I to also have a problem with the credit card company XXXX XXXX XXXX card fraudulently changing the dates on my report they have changed the date I received the card they have swapped older dates for newer ones so that the collection account the company has on my credit report will stay up to date and never expire For the last 9 years I have also had my state tax return taken away from me to pay fraudulent debts to an unknown company that takes advantage of the Kansas offset program and there has been several instances where I had no idea what happen to my state return where it went and why and I have given the Kansas offset program calls multiple times and I have never been told anything except my money was taken for an ambulance bill for the last 9 years i feel that I my financial stability has been robbed from me and I have lost all hope at this time because someone else is using my information to do whatever they want and there is nothing I can do about it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason purpose.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate and unverifiable account unresolved. The Consumer Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute item despite the evidence I provided m causing ongoing harm to my credit. I am requesting immediate corrective action to remove or amend the disputed account, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I never received my letter of deficiency from XXXX XXXX XXXX XXXXfor a car loan back in 2015 they are reporting I owe full balance and I don't. Never was offer buy back chance either. After car was totalled in a car crash I had full coverage insurance and gap.
Product: Mortgage

In 2021 my XXXX was eligible for a loan modification under the XXXX XXXX which would have waived the past due balance on my XXXX  and would have at least kept the same payment of approximately {$2400.00} per month. 

However, because I was going through a divorce, Wells Fargo refused to allow me to accept the loan modification without the agreement or approval of my then spouse- which is in violation of XXXX  Rules. 

My ex-spouse refused to sign the modification papers which would have only been beneficial to him as well. 

Wells Fargo would not allow me to make any decisions in regard to the XXXX  unless I obtained a XXXX XXXX. My ex-spouse remained uncooperative, and, as a result, the house went into XXXX. I asked only for the house to be signed over to me in the divorce - by XXXX XXXX. I was finally able to get the XXXXXXXX XXXX  but the house was in XXXX  and on the XXXX 's XXXX list. 

Subsequently, after proving the XXXX XXXX  was executed, Wells Fargo then offered a so-called loan modification to me in which they put all of the past due balances onto to the loan and raised the monthly payment to {$3500.00} per month. 

I had to take out a {$12000.00} loan to be able to meet the payment during the trial period of this so-called loan modification. 

Wells Fargo purposely, illegally prevented me from accepting the loan modification in 2021. This corrupt institution refused to allow me to accept the loan modification but was perfectly okay with piling all of the past due as well as the newly accrued balances to file for XXXX  against me. Ultimately, I believe I was discriminated against because of my gender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below aint mine they are fraudulent.Please remove as soon as possible. They should not be on report. 
-- -- -EQUIFAX -- -- XXXX XXXX Inquiry : XX/XX/2019
Product: Credit card

My Apple Card won't work. They tell me I have to update my phone XXXX  XXXX  for my physical card to work which is insane. I'm not taking a chance on hastily released XXXX  until it has time to be tested and vetted. My credit card should not depend on my phone 's XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/year> The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family and I were affected by XXXX XXXX and XXXX during the months of XXXX and XXXX in XXXX. I called bank of America on XX/XX/2022 and Spoke to XXXX to explain my situation and hardships with payments due to the hurricane and he advised me that the late fees would be removed from my credit card account and no late payments would be reported to the credit bureaus. My credit report has a late payment for the month of XXXX. I tried to dispute this with Bank of America multiple times and they will not remove this from my credit reports. Even with the difficulties we endured during this natural disaster I still made payments on my account in XXXX and XXXX. I have been banking with Bank of America for almost 10 years with my oldest credit card account of 6 years and not a single late payment with them.
Product: Debt collection

HELLO this is the second time i contact cfpb about a collection company attempting to collect on this account that i do not owe for XXXX XXXX XXXX XXXX this company like the one before reported me without notice and without allowing me my right under fair credit never heard of them and now they are reporting me this is a continued harassment by XXXX and its collection companys I AM THEREFORE SUBMITTING THE DISPUTE LETTER THRU CFPB SINCE I NEVER HEARD OF THIS COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been an Authorized User on my Step Son 's account for about 2 1/2 yrs. And The 3 credit Bureaus TransUnion, XXXX and XXXX aren't reporting the credit age on my credit account in my credit files. Only 2yrs. worth of Credit NOT XXXX XXXX  length of history, which I should receive under the Fair Credit Act. Documents are attached showing it's not reported. My son 's payments for XXXX XXXX ( ALL ) payments are on time and never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/2022 XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$840.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX  XXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$9900.00} XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$490.00} XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. Act Name : XXXX  XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. 
To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following charged off account : XXXX XXXX XXXX - XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX/XXXX/ XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since this account is being charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. 
As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. 
Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. 
Thank you for your attention to this matter. 
Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Product: Credit reporting 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/year>XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I filed for closed school discharge. I submitted all of the information that I had and I was denied financial discharge. I have also in the past been harassed by Sallie Mae and once the loan was purchased by Navient the harassment continued in the earlier years. XXXX Through the years I have been in and out of work. I was able to find employment but it was not near what I was told I could make after I graduated from XXXX XXXX XXXX. In XXXX  I was told I could make $ XXXX after graduation in the XXXX field. I could not find employment in the XXXX field. I have had different jobs through the years. I None of these jobs were in the XXXX field. I worked in different areas. The most I ever made was $ XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Cease and Desist from Reporting Fraudulent Accounts Dear Experian, I am writing this letter with grave concern and utmost urgency regarding the fraudulent accounts erroneously listed on my credit report under your supervision. This is not just a request ; it is a demand for immediate action in compliance with the Fair Credit Reporting Act ( FCRA ). The following accounts have been fraudulently opened in my name and I categorically state that I have no association with these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notably, these accounts are not present on my credit reports from XXXX and XXXX, highlighting a significant discrepancy in your reporting practices. Under Sections 609 and 611 of the FCRA, I demand the removal of these inaccuracies. Your continued reporting of these accounts, despite my previous notifications, is a direct violation of my rights under the FCRA. Should these inaccuracies persist on my credit report, I am prepared to take legal action, including seeking damages of {$1000.00} per account as stipulated under Sections 616 and 617 of the FCRA. I expect a written confirmation from Experian acknowledging the receipt of this letter and detailing the actions taken to rectify this situation. Your failure to act promptly and appropriately will leave me with no option but to seek legal recourse. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXXI XXXX {$290.00} XXXX XXXX XXXX {$720.00} XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$220.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}
Product: Credit reporting

XXXX/XXXX/XX/XX/2015 - While attempting to correct date of birth error in my credit profile via TransUnion website, I received an error message that instructed me to call TransUnion customer service at XXXX XXXX XXXX XXXX. I then called customer service representative at XXXX XXXX PDT and was told I needed to call TransUnion dispute resolution center at ( XXXX ) XXXX during normal business hours. 

XXXX/XXXXXX/XX/2015 - I called TransUnion dispute resolution center at XXXX XXXX PDT and spoke to XXXX XXXX. Happily, XXXX XXXX was able to correct an error in my address history, but unfortunately XXXX XXXX refused to correct my date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Please Remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$40000.00}
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. XXXX XXXX # XXXX XXXX. XXXX  : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. Section 602 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 items of information other than records of convictions of crimes which antodates 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.