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

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX XXXX XXXX which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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

I recently reviewed my credit reports and discovered that there are XXXX ( XXXX ) accounts in collection on my credit report from a company named AMERICOLLECTS Inc. of XXXX, Wi. Looking further at these XXXX items they are collecting for their client XXXX XXXX XXXX. Neither myself nor my wife XXXX XXXX have used the services of this XXXX XXXX. I am not a guarantor for any bills except my wifes. All of my XXXX children are adults and I am not responsible for their bills either. 
I have received no correspondence of any type from either XXXX XXXX XXXX or AMERICOLLECTS Inc. They just decided to report my name to the XXXX credit bureaus.
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 right to privacy and confidentiality under 15 U.S.C 1681. 
Account Name ... ... XXXX XXXX XXXX Account Number .... XXXX XXXXXXXX... 
Account Name ... .. XXXX XXXXXXXX XXXX XXXX XXXX. .. Account Number ... ... .. XXXX XXXXXXXX .... 
Account Name .... XXXX XXXX XXXX Account Number ... ...XXXX XXXX XXXXXXXX ... 
15 U.s.c 1681 section 602 A. States I have the right to privacy..

15 U.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions...

15 U.s.c 1681 C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime with antedates the report by more than seven years.

15 U.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.. I'm a natural person, i'm a living human being i have right under 15 u.s.c 1681.

XXXX is govern by 15 u.s.c 1681 and they have violated my right numerous of time..

I demand the accounts listed be remove asap.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX
Product: Debt collection

I stopped using the service and had it disconnected. The company was trying to charge me for time that I was not using the service. The service has not been used since XXXX XXXX XXXX XXXX XXXX. Subsequently, I questioned the bill about me paying for the months that the service was not in use. XXXX XXXX XXXX  never answered the question or proved that I owed the entirety of the bill. I moved from the residence and I requested that my bill be adjusted for the return of the equipment, however the collection agency Credence Resource Management never answered my question about the equipment returned. However, I paid the bill and the Collection action is still on my credit report. In closing, my agreement was with XXXX XXXX XXXX and not the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL 3 credit bureaus- XXXX XXXX Experian XXXX XXXX several times to have this account with XXXX ( name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ALDOUS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

ALDOUS ( original creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly multiple late payments in XXXX and a new late payment on XX/XX/XXXX on my XXXX XXXX XXXX account. I have spoken to XXXX XXXX rep and was told I had no late payments in XXXX and no recent late payment XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a law suit against XXXX XXXX XXXX Bank XXXX XXXX United States XXXX XXXX For XXXX XXXX XXXX XXXX Florida XXXX XXXX which it's still in dispute and litigation. The Credit Bureau ( XXXX, XXXX, Equifax ) and XXXX XXXX XXXX Bank are reporting negatively on my credit report which is in violation of Federal Law.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C.

1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : :
Product: Debt collection

I have sent this collection agency prove of my identity theft and they are refusing to close and not move forward with this collection process. my identity was stolen and I am at the current process of fixing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Product: Debt collection

I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
Product: Credit reporting or other personal consumer reports

I paid my balance off and is requesting the company to delete this account on my credit report ASAP, for its hurting my financial health for me trying to get a house.
Product: Credit reporting 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. 

Account name and number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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

I filed a complaint with the CFPB to get validation for the XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves an issue with information on my credit report that does not belong to me that I began disputing with TransUnion in XXXX, XXXX via USPS Certified Mail with electronic return receipts. 

Per the attached follow-up letter, verified as delivered to TransUnion in XXXX, XXXX, TransUnion has failed to provide any of the requested supporting documentation within the legally allowed 30 day period both in XXXX, XXXX and again via CFPB complaint # XXXX submitted in XXXX, XXXX.
Product: Checking or savings account

In the early morning of XX/XX/23 my phone and wallet were stolen near the XXXX XXXX in New York. Whoever stole my phone, turned the location services off within XXXX minutes and made multiple apple pay, XXXX and ATM withdrawals. The thief even called Wells Fargo and changed my online banking username and password. That was possible as he had my phone, account number, and online banking access. I called Wells Fargo to block my account and dispute the transactions. I became a victim of stolen funds from my Wells Fargo account and I filed a police complaint with the reference number XXXX. Wells Fargo reimbursed a temporary credit to my account and I thought the dispute had been settled as I had been in constant touch with them and the police. However, this claim was unfairly denied by Wells Fargo. Upon requesting Wells Fargo their comments on this incident, they said that some one had access to my online banking. On my online portal the comment says that, I do not remember making those transactions. Which was clearly not the case. The company failed to take in important facts and have given an unfair resolution to this dispute. I wish to emphasize that I am a victim of a crime, and the unauthorized transactions on my account were entirely beyond my control. Attachment includes the statement of withdrawals and the letter received from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is an attachment on the letter send on XX/XX/2023. 
As I notice that even tought I send the identity theft report I did not properly write the account number and accounts that arose from identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are a result of IDENTITY THEFT. I want them removed immediately. In addition please make sure any creditor contacts me ( XXXX ) XXXX first prior to opening any accounts. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

There were unauthorized fraudulent charges made to account. XXXX refused to remove these errors because they believed it to be verified.
Product: Mortgage

I recently purchased my first home using a FHA loan. My loan was sold to Amerihome Mortgage and I have been having issues getting them to accept my mortgage payment ever since. I have submitted multiple payments through their online system, their phone system, and XXXX XXXX Bill Pay only to have the payment be rejected by Amerihome each time. I have the correct account number and have the funds in my bank account. I have called them numerous times, had a threeway call with Amerihome and XXXX XXXX, and still have not had this issue resolved. Despite Amerihome being aware of the issue, they continue to harass me with automated calls demanding payments. They do not respond to my emails, and always promise to have a supervisor call me back, but I have not recieved any calls besides the harassing automated payments. I warned Amerihome that I would file a complaint with BCFP but clearly they are not worried about it because I am still unable to successfully submit a payment to them. I am at my whits end and just want to have my mortgage paid and my credit clean. Please help me! 

Thank you!
Product: Credit reporting or other personal consumer reports

I engaged in a private consumer credit transaction with PenFed Credit Union, and they never provided me with an adequate notice and form of my right to privacy and right to opt-out of their disclosure, sharing and reporting of my private personal information as they're required to do per 16 CFR 313.7 and 15 USC 6802. As a result of their irresponsible actions, they've reported adverse and defamatory information in my consumer reports and enabled a separate third-party debt collector ( XXXX XXXX XXXX XXXX to also report this adverse information on my consumer reports, further defaming my character, creditworthiness and reputation. This is not only and infringement on my right to privacy, but this has caused me double harm, as they've both continued to report the same adverse account jointly under XXXX separate account numbers.
Product: Credit reporting or other personal consumer reports

Despite my efforts, these issues are still unresolved. Enclosed is the letter I sent to the credit bureaus. Your firm labeled my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This is a serious matter to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Provide evidence of the alleged item, such as a contract or document with my signature, or remove these items from my report immediately.
Product: Credit reporting

I have a split credit file with Experian and XXXX. I receive separate letters and credit reports either on the same day or a few days apart. Identity theft account information is not being removed. Addresses still not correct after contacting the credit agency numerous times.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

From what I know, as per FCRA 605B, wrongly reported accounts should be removed from credit reports. I'm not sure about the details, but please examine the accounts in the documents. They're reported incorrectly on my credit, and it's making me upset. I really need your assistance.
Product: Checking or savings account

I have someone using my social with my maiden name XXXX. I am XXXX as of XX/XX/XXXX. They have tried to open checking accounts with XXXX XXXX XXXX and XXXX XXXX. I have filed fraud with them. This happened on XX/XX/XXXX. I filed a police report on XX/XX/XXXX. Case number is XXXX.On XX/XX/XXXX I had a credit card opened in my name with NetCredit. I contacted this place and got the run around that I needed a new police report. I called and made another one with XXXX XXXX sheriff. I froze my credit with the bureaus except XXXX stated I didnt file in time for that so they wont remove any hard inquiry in my name.
Product: Credit reporting

I have informed you that the Account Service/XXXX Account that is reporting on my credit file is not my account. There are duplicate reportings of this same account and both of these reportings do not belong to me. Please removed these accounts from my credit file, immediately. Please see the attached police report notifying you that I was a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I discovered multiple inaccuracies on my credit report, which I believe are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws. Specifically : XXXX, XXXX, and XXXX XXXX Accounts : These accounts are reported as having late payments despite the fact that I am protected by the CARES Act. Under the CARES Act, creditors are required to update credit information to reflect " pays as agreed '' if the account is in a forbearance or other CARES Act-protected status. I have demanded that these entries be updated accordingly to " pays account as agreed. '' XXXX XXXXXXXX Entry : This entry violates my consumer right to privacy under 15 U.S.C. 1681 ( a ) ( 4 ). I have requested its immediate deletion due to non-compliance with the protections outlined in 15 U.S.C. 1681a ( 4 ).

Additionally, there are inaccuracies in my personal information on the report that also need correction.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes within 30 days and correct any inaccuracies. Past court rulings, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  affirm that credit reporting agencies must perform a thorough and reasonable investigationnot just rely on automated processes. 

I have formally notified XXXX of these inaccuracies and demanded immediate action. If they fail to resolve this matter within the mandated timeframe, I am prepared to escalate, including filing complaints with regulatory bodies like the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal action for noncompliance under 15 U.S.C. 1681n ( willful violations ) and 1681o ( negligent violations ). 

The response and corrections to my dispute will determine my next course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a requested unfreeze of my consumer report, ( of all XXXX major credit bureaus ), what Experian calls a Thaw, for purposes of applying for Bank accounts and Credit Cards, was supposedly in process. After applying to numerous banks and credit card companies, they all replied " Unable to process, credit reports are frozen, return when reports has been unfrozen. '' Numerous requests to unfreeze was made with same reply " still frozen ''. 
All the while I've received alerts from Experian that requests for credit reports were blocked. 
In the process of identifying me, the questions asked made me feel as if they may be others using my identifiers to apply for mortgages, loans, and cars.
Product: Debt collection

RE : Specialized Loan Servicing XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX My acct # XXXX My husband & I borrowed a 2nd mortgage from the above listed lender in the amount of XXXX in XXXX. This was d/t my husband 's near death experience & our massive medical bills. We were able to make a few payments but eventually had no funds to pay for the 2nd mortgage. In XX/XX/XXXX, my husband died suddenly or unexpectedly. I was scammed & mistreated during this period. I put our Condo on the market to be sold. It sold in XX/XX/XXXX. Near closing, I was informed by my attorney 's office, Specialized Loan Servicing company would take XXXX for payment owed. I was perfectly fine with this. But the attorney added, they will also be taking XXXX in interest, and late fees as well. I called the company and my Realtor called to beg this company not to do this, as it would leave me financially distressed. I closed on the Condo and took away XXXX from the sale. I'm a new widow. I'm scared. My husband is dead and gone forever. I'm also XXXX and try to work, but it's extremely difficult. I KNOW this company was informed of my XXXX & financial hardship. I lost. They got their money. I want the media to know this is a Predatory Lender. Don't borrow from them. This is so cruel and unkind. They didn't have to destroy me. I really want ppl to know what they did to me after the recent loss of my spouse. Please help me. I can be reached at : XXXX or XXXX. Please be aware I have contacted XXXX  of Colorado. They are investigating the matter. I have not heard anything specific yet from the XXXX. Thank you. Sincerely, XXXX
Product: Credit card or prepaid card

Company refuses to increase credit limit, their reps provide misinformation and constantly give customers the " run around ''. Very poor customer service