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

Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : Bankruptcy XXXX  XXXX Reference number : XXXX Filed Date : XX/XX/2018 ; Bankruptcy : XXXX XXXX Reference number : XXXX Filed Date : XX/XX/2018 XX/XX/XXXX
Product: Credit card

XX/XX/XXXX I was informed by XXXX in Fraud that charges had been made at Macys in XXXX CA that amounted in {$1000.00} the change took place on XX/XX/XXXX. I told them it was fraud it was investigated and removed. On XX/XX/XXXX I was contacted by the XXXX XXXX in my area that the XXXX XXXX XXXX needed to contact them ASAP. I was told they had arrested XXXX people in XXXX that had ID my my information but clearly werent me since they were XXXX. XX/XX/XXXX XXXX took place at XXXX. Based on this information security was placed on both cards. XX/XX/XXXX I started receiving calls from Macys so they said they spoke about an an account I had paid off, so I hung up and called back thinking this was another scam. I spoke with XXXX in Fraud and she assured me she would send the issue forward. In became frustrated that I closed the account and asked that only payments being allowed. XX/XX/XXXX I was informed that there had been an account opened in XXXX XXXX XXXX I told them that was not my account and I was assured by XXXX XXXX for XXXX that the matter would be investigated. I gave them the case # XXXX the officer explained that mail was stolen from my mail box and many others in the area.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a customer of Chase Bank for nearly 17 years. 
The COVID-19 pandemic has devastated the world, and I am sad to say has affected me and my family in unexpected ways. I live in XXXX NY, classified as a red zone, and at that the time I missed a payment, and it was reported to the credit bureau. I called Chase Bank on XX/XX/XXXX, XXXX and XXXX, 2021, to request a removal from my account pursuant to the CARES ACT and Chase has refused. I explained my personal situation- death and quarantine but they do not care about the financial impact this will have on people who have experienced the worst financial, emotional and mental catastrophe in their lifetime, and how this will affect them later on. Of course I will be closing my account after 17years but in the mean time I am trying to get the late a payment removed from my credit report so I can try and recover from this devastation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile.

To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Social Security Number : XXXX Date of Birth : XXXXXX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXX. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXX. Update my credit profile to reflect the correct information as listed above. 
XXXX. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 
Specifically, I request that the following incorrect information be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020 I received an email from XXXX XXXX   stating I had a new hard hit added to my credit report. 
It was security finance in XXXX, IL. XXXX. Phone number ( XXXX ) XXXX. I have a loan for {$1000.00}. I am 2 months behind on my payment. 
They told me they pulled my credit report because they wanted to see if I had any new creditors they could call to see if they had a phone number for me because they have called me several times and I havent answered. Which is untrue. She said she had every right to pull my credit in fact she could do it every 30 days if she wanted. She accused me of acting slow because I wasnt understanding why or how they could do that. And yet they have not reported me being 30 days late to any Credit bureaus. 
XXXX minutes prior to them doing the credit report that caused the hard hit, they called my job confirming I still work there. 
I did sign a wage garnishment if they didnt think I was going to pay them. That was the next process according to the papers I signed back when I opened the loan. 
The supervisor called me and also said they can pull my credit report if they feel its permissible. 
Im confused to why checking my credit report, that is usually asked for permission is okay with the manger and supervisor at Security Finance.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate and inconsistent reporting by XXXX on my credit report. The bank has reported incorrect late payments and other erroneous information that is negatively impacting my credit score. Despite my attempts to resolve these issues, the information remains inaccurate across all three major credit bureaus ( XXXX, XXXX, and TransUnion ). 

The details of the issue are as follows : Inaccurate Late Payments : XXXX has reported late payments on my account that are inaccurate. I have consistently made payments on time, and these late payments do not reflect the actual payment history. This misinformation is damaging my credit report and score. 

Inconsistent Information Across Credit Bureaus : The information reported by XXXX is inconsistent across the XXXX credit bureaus. Some bureaus report late payments, while others show discrepancies in balances, statuses, or account details. This inconsistency is causing confusion and is detrimental to my credit standing. 

Failure to Correct Information : I have made attempts to dispute this information directly with XXXX by [ briefly describe any attempts to dispute or resolve the issue, such as contacting the bank, submitting disputes to the credit bureaus, etc. ]. However, the incorrect information has not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX corrects the inaccurate late payments and inconsistent reporting across the credit bureaus. I also request that XXXX be held accountable for their failure to provide accurate and consistent information to the credit bureaus. 

Thank you for your attention to this matter. Please contact me if you need any further information or documentation to support my complaint.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Synchrony Bank/Pay Pal has a line of credit showing up on my credit report. I never applied for this line of credit. I wonder if they opened this line of credit without my knowledge.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of a fraud alert currently placed on my credit report. I did not request or authorize this fraud alert, and I believe it may have been placed in error or as a result of identity theft. I kindly request that you investigate this matter and remove the unauthorized fraud alert from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

please check the information concerning the XXXX data breach below in attachments
Product: Payday loan, title loan, or personal loan

I am complaining about the financial conspiracy between uplift Inc and XXXX XXXX to defraud me of money paid for a service they never provided. I filed a missing report with XXXX for the missing document that occurred at their facility on XX/XX/2022 that led to my family 's embarrassing and devastating experience that took our planned vacation from us, but XXXX has not responded with the status of the missing document signaling they have no morals or ethics. I continued paying Uplift hoping they would know my fair and honest intention in this situation, but it is obvious that both uplift and carnival are in conspiracy to defraud me of a service that was never provided for which XXXX, which uplift claims is their client, has refused to update the status of the filed missing document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX  over a month ago, didnt hear anything back, so i sent a XXXX letter asking them to remove the wrong accounts. I thought the credit bureaus had 30 days to respond? It's been over a month, Ive sent XXXX letters and i have not heard anything back from them!
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

These people had been informed that the debt they refused to remove from my credit report was included in a XXXX. XXXX that has since been discharged. I have filed several disputes with the credit bureaus about this error, and Helvey and Associates continue to break the law by attempting to collect on a debt included in XXXX XXXX. 

The law clearly states that all collection activities regarding debts listed in XXXX  XXXX are illegal, yet they continue to harass me and disregard this fact. They even questioned that I was telling the truth about the debt, assuming that since I have an ethnic name I'm automatically lying about it. 

These people are XXXX, XXXX, rude, and disrespectful. Be careful dealing with them.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and identified several inaccuracies. These discrepancies are negatively impacting my ability to obtain credit. I understand that credit bureaus are responsible for investigating accounts to ensure their accuracy. I kindly request that you verify the following account : Account Name : XXXX XXXX Account Number : # XXXX
Product: Debt collection

XXXX made fraudulent charges on my account, I received settlement check for inaccuracies. I should not be liable for any past due accounts/ balances due to fraudulent charges.
Product: Checking or savings account

Someone hacked my online banking with Huntington Bank. They used a bill pay service called XXXX to send themselves all of my rent money in XXXX. I have NEVER used this bill pay service or known it was even available on my banking prior to this. I contacted my bank immediately, they said they would have to investigate. 
No one could give me answers, they just sent me LETTERS in the snail mail which I still have not received. Everyone I talked to on the phone said they don't make outbound calls. I have also requested e-mail correspondence as my rent needs to be paid and I can not wait for snail mail to hopefully show up. 
I have received NO email correspondence from them either. 
They stated their " investigation department '' does not see this as fraud because it was sent from my account. We of course it shows sent from my account because the account was hacked! I have no access to the bank account as it is frozen. I have banked with Huntington for over 20 years and the tellers and dispute representatives are treating me like another number on their list. 
This is the worst business process I have ever heard of, or dealt with. 
I have removed all of my funds from this bank including my vehicle loan and they still don't care. 
I can not just let this amount of money go without further research or explanation as to where my money went. 
Also, a representative told me " they can not provide me the information on where the funds went, only where the funds were sent from ''. Are banks not insured for this reason? 
This whole situation has changed my perspective on the banking industry completely and I am now scared to keep money in a bank account for very long.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. I never late on this account XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 


Thank You Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

I refinanced with Carrington mortgage who was responsible for sending a check to my hazard insurance company to cover premium. Carrington mortgage never sent the insurance company a check for premium. Insurance company terminated my hazard insurance. Carrington sent me a letter stating that my hazard insurance expired. I regret refinancing with Carrington mortgage. Money from my closing to cover hazard insurance is missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter disputing items on my credit report on XX/XX/22. By law and according to 15 USC 1692g, the company is required to do so. I would like the items disputed to be deleted for breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian, and XXXX credit bureaus refuses to remove inaccurate, unverifiable, and fraudulent consumer information from my credit report even though I have submitted documentation that proves the account is inaccurate, unverifiable, and fraudulent. I have submitted my valid identification, identity theft report submitted to the FTC, Documentation submitted from the XXXX commission providing information that the vehicle reported is unregistered and associated to someone else with a different name and birth date other than myself. This account being reported also does not have my written instructions to have opened an account with the XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, and Experian refuses to delete this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with XXXX, XXXX  and Equifax  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts ... ... Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide. Last payment does not coincide, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Theft. I did Not give any Consent to anyone to open any Accounts
Product: Credit reporting

Judgement was filed against myself, XXXX XXXX when the judgement is supposed to be against my son, XXXX XXXX and his wife, XXXX XXXX. We have paperwork from XXXX county clerk with XXXX XXXX and XXXX XXXX name on the paperwork but yet they have my social security number. 
XXXX XXXX was having her paychecks garnished until she moved and got a new job. She is currently employed at a different location but instead of going after her, they are going after me. I am trying to get approved to purchase a home and this is holding me up.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I originally filed a complaint on XXXX and have a password but I was locked out of my college XXXX in XXXX and ran into more problems when enrolling at XXXX. Apparently since me and my husband are now separated and there are more issues w that- they need formal documentation of our separation that Texas doesnt have other than a divorce. 
When I was hacked XX/XX/2020 at XXXX XXXX my life unraveled and I lost all recourses in the form of work, school, family, vehicle and funds. I have begun unraveling documents and this is way to big for me and I had asked for legal shields help but was unable to communicate due to my accounts changing with passwords, internet router problems and all phone companies. There is something wrong w my taxes and I havent a clue what since that password changes all the time and getting help rom turbo tax is useless. My credit reports/freeze acts even changed. Anyways my complaint iD is XXXX. 
Please offer suggestions- thank you so much. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has requested that his credit profile be updated, as it has not been fully updated according to the information from XXXX. It is imperative that his profile is accurately and clearly updated in accordance with the Fair Debt Collection Practice Act, which states that consumer agencies must have precise and relevant information. Every credit profile should be consistently updated based on the information provided by each company, ensuring that all information is corresponding and accurate. It is crucial that this update is done in a professional and courteous manner, reflecting a similar tone of voice to maintain the integrity of XXXX XXXX XXXX credit profile. 

remove accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt collector refusing to mail verification of debt and refusing to notify of right to dispute. Called XXXX about this debt on XXXX/XXXX/16 at XXXX. In addition, debt collector hung up on me after refusing to send any information. This is my first attempt to gather information about this debt. I was under the impression that this debt had been settled many years ago.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report with no explanation as to why theyre there. I reviewed my credit report as usual, but this time, I found discrepancies out of the blue. I even refreshed my browser, thinking it might be a glitch, but the inquiries remained. I am urgently requesting a thorough review of the documents I sent to prevent further worry about this issue.
Product: Debt collection

They keep harassing my sister and other relatives about my debt and claiming it to be more than they purchased my debt for. constant harassment even after i asked them to stop contacting me i changed my cell phone number plenty of times.