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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX ... To Whom It May Concern : I have contacted the debit card department and they confirmed that the account was closed and does not have any balance. This is reporting negatively on my credit report as Paid in Settlement {$39.00} written off. There was fraudulent transaction and it was disputed and I have paid the full balance. The representative over the phone clearly mentioned that there is no balance and this company still reports incorrect information on my credit report. This is hurting my credit score and my ability to get a home mortgage for my family with XXXX kids. Please delete this information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, This Accounts has violated my rights : __________ Account : # XXXX Account : # XXXX 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 a account without my written instructions.________________ Account : # XXXX Under XXXX : __ Last Payment XXXX Open Date XXXX Closed Date XXXX_ Last Reported XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Under Transunion : ___ Last Payment XXXX Open Date XXXX Closed Date XXXX Last Reported XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Account : # XXXX _________ Under Transunion : ___ High Balance XXXX XXXXXXXX Open Date XXXX Last Reported XXXX Under XXXX : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX Under XXXX : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX NY XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 a 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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am reaching out to formally address and dispute the presence of inaccurate addresses that continue to appear on my credit report. Despite submitting prior dispute requests to rectify this matter, these incorrect addresses persist on record. I now insist on their immediate removal from my credit file. These addresses have no affiliation with me and hold no relevance to my personal or credit history. I have previously supplied the necessary documentation to validate my correct address and demanded the removal of these inaccuracies. However, your failure to resolve this issue despite multiple notifications constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

The continued inclusion of these false addresses has the potential to cause significant confusion and inaccuracies, which could detrimentally affect my creditworthiness. I strongly urge your agency to undertake a meticulous review of my credit file and ensure that only verified and accurate information is maintained. 

It is your obligation under the FCRA to uphold the accuracy and integrity of the data furnished to lenders and other entities. I expect these erroneous entries to be immediately expunged from my credit report and measures to be put in place to prevent their recurrence. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Debt collection

ALDOUS AND ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Number : XXXX RE : Debt Validation Request This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested.

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

Please provide me with the original creditor 's name and any supporting documentation.

A signature on an agreement stating that I have agreed to assume the debt.

A copy of the debt agreement, including the principal, interest, and any additional fees charged.

Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in WI along with your license numbers and Registered Agent or Agent of Service.

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease.

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication.

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I am writing to let you know about an identity theft case that affected my credit report. Upon reviewing my credit report, I discovered fraudulent information that does not belong to me. This identity theft has caused significant harm to my financial credibility and has put me in a difficult situation. According to the Fair Credit Reporting Act ( FCRA ), I would like to ask you to block the fraudulent information from my credit report. Section 605B of the FCRA states that credit bureaus are required to block the reporting of fraudulent information resulting from identity theft upon receiving a proper request from the victim. I am also attaching a copy of the Identity Theft Report filed with the Federal Trade Commission as supporting documentation. Please investigate this matter promptly and block the fraudulent information from my credit report to prevent further damage to my credit history. Please provide me with a written confirmation once this has been completed. Thank you for your attention to this matter. I appreciate your quick help in resolving this issue. Please do not hesitate to contact me if you need any more information. 
Sincerely, XXXX XXXX XXXX, you are in violation of laws : 15 US Code 1666 ( b ) ; 15 US code 1637 ( a ) ; 15 US Code 1681 ( c ) 2 ; 15 US Code 1681 ( s ) 2. Please delete/block the accounts attached to my FTC report ASAP.
Product: Mortgage

Have a mortgage on a mobile home with Ditech. Never received a bill in XXXX XXXXand by XX/XX/XXXX still had not received a bill. Called the customer service to ask about account status, was told my bill had been mailed out on the XX/XX/XXXX, payment on this account is due on the XX/XX/XXXXof each month. Finally received the bill and sent payment for both XX/XX/XXXX and XX/XX/XXXX. Got a notice yesterday that I was in risk for foreclosure and that they want me to talk to Loss Mitigation. I got online and looked at my statements. There was no record of a statement having been sent in XX/XX/XXXX, and no record of one being sent in XX/XX/XXXX, until the statement sent on XX/XX/XXXX. 

I tried to contact customer service yesterday. Chat was " unavailable ''. I called their customer service number 5 times, got disconnected every time when the automated system claimed to be sending me to a representative. An attempt to send a message through the website also failed with a message that an error prevented it from being sent successfully. 

I immediately made an online payment for the amount they said was " past due '' - {$830.00}. to be processed immediately. Payment has not credited to account. I did call my bank, and the payments I sent through the mail have not been paid yet by them, but I will continue to monitor. 

I believe no billing statement was sent either due to sheer incompetence or in attempt to deliberately put me in default. I took a screen shot of the list of statements available on their site ( showing no statement had been generated in XX/XX/XXXX, and the late statement issuing on XX/XX/XXXX ). I also downloaded all statements from them since XX/XX/XXXX, in case I end up in court with them. I have had this loan and paid it faithfully since XX/XX/XXXX. 

I also received a notice from them that they are in Chapter XXXX bankruptcy, so filing a suit against them now seems like a pointless gesture. 

This company needs oversight, now. Looking online I see numerous complaints from others having the same or similar problems with payments not credited and being unable to reach customer service to attempt to resolve problems.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report. This is my new complaint that I was the victim of incorrect credit report information that I encountered. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} =====Equifax XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts are a mystery to me. Please note Im sending this letter certified to protect my rights. If you choose to ignore my request to remove these items I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a mistaken credit reporting. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting or other personal consumer reports

Trans Union needs to delete hard inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX. This should not take XXXX to 60 days to remove 3 hard inquiries. Companies have already verified the accounts should be closed and closed them and removed XXXX  from report entirely. The inquiries need to also be removed. see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT IN DISPUTE DOCUMENTS VIA USPS CERTIFIED MAIL, AND WELL AS THROUGH EXPERIAN 'S UPLOAD PORTAL 2 MONTHS AGO. I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that Experian allows to do a soft inquiry on my credit profile. I would like for Experian to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, both accounts and hard inquires that are a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I mailed a certified dispute letter to Ad Astra Rec., on XX/XX/XXXX the received the letter, XX/XX/XXXX they sent me a copy of the original loan agreement. On XX/XX/XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.
Product: Credit reporting

Experian is continuing to report collection accounts from XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report that do not belong to me. I have disputed the items with Experian but they were not removed. I have contacted the debt collection companies directly and let them know the accounts are not mine. I asked XXXX XXXX XXXX and XXXX XXXX XXXX to verify the accounts but they never did. The accounts are lowering my credit score which causes me to miss financial opportunities as well as lose job opportunities.
Product: Vehicle loan or lease

My name is XXXX XXXX. XXXX XXXX had leased a car from U.S. Bank. The dealer XXXX XXXX XXXX XXXX Wi. He had the beginning stages of XXXX. This was done in XX/XX/XXXX. I went to the dealer and told them About XXXX and his beginning stages of XXXX. My daughter XXXX XXXX talked to the loan officer prior to the signing of the lease. When I went to the dealer they told me there was nothing they could do because it belong to the bank now. Because of his XXXX he was told by his neurologist not to drive. Basically he was paying the loan payment until XX/XX/XXXX that is when I decided to go to U.S. Bank with XXXX XXXX to have the vehicle changed into a loan. US Bank put the loan in my name. I continuously called the lease Company because the lease was never changed to my name when I signed the loan XX/XX/XXXX The leasing company out of U.S. Bank kept on telling me XXXX had to take out the loan. The loan could not be in my name. I was reassured that it could be changed to my name. In XX/XX/XXXX XXXX XXXX was charged a lease payment and I was charged a loan payment. After many calls they corrected this issue. The loan I signed for Had the wrong amount on it they had charge me double for taxes on the loan again I was calling about this issue US Bank told me they corrected the loan and XXXX XXXX was reimbursed for the lease payment. The title came as paid off in XXXX XXXX name I was told to take the title to the bank and there It sat for a month. I kept on checking DMV website to see if the title had been put in my name. It had not again I was making many calls. At the beginning of XX/XX/XXXX I was told it was taken care of and it would take 23 days still not in my name. I called again then they said it was sent in and it would take 13 days. Still the DMV had not received it. I have been calling and emailing the CEO and it was turned over to somebody else. Finally XX/XX/XXXX I was told it definitely had been sent to the DMV. The title is still not in my name with the DMV although I have been told it has been perfected. The problem is that I have been paying on the loan I have been paying the car insurance and the car has not been driven. I wanted to sell the car and now theyre at XXXX XXXX months have passed the value of the car has gone down significantly. I now owe more than what the car is worth. U.S. Bank just tells me that they corrected mistakes. I have told them How stressful this has been but they dont seem to care. The vehicle is a XXXX XXXX XXXX XXXX with XXXX miles. Again my name is XXXX XXXX from XXXX Wi I would like to be reimbursed for all the money I have been losing due to their incompetent. If US bank made a mistake on the loan which I did sign can they just called and change the loan amount.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$250.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXX I received 2 notices that I applied for credit cards and I did not. I did get a response from XXXX XXXX and not so much XXXX XXXX. Even I know I can't apply for credit cards because my credit is bad at the moment
Product: Checking or savings account

I had constant charges showing up in my account and I brushed them off until XXXX XXXX  from the same vendor were showing up on my account for the same amounts on the same dates. I reported to my Bank as fraud cancelled my card and was told it was under review seemed pretty standard. I was told a temporary credit would be issued for the charges adding up to {$150.00}. I gave it 4 or 5 days nothing showed up so I called my bank on a Friday and was told that the credit would show up in my account on the next day a Saturday at XXXX XXXX. This didnt happen so I called on that Saturday morning and was then told that department isnt even open on weekends. So I waited till Monday called at XXXX when the credit still had not shown up in my account and was given a terrible excuses about it and a ton of Im sorry for the inconveniences. I was then told the credit would not show up in my account till the XXXX which I would have been fine with except for the fact I was told it would be in my account XXXX  days ago on a recorded line. So basically my bank lied to be apologized did nothing to fix it doubled down and then apologized again and never fixed the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is a scam and didnt receive proper treatment yet charged. Had to go to actual orthodontist. {$1300.00} Installment loans on my account had hidden fees that were Not disclosed. 

XXXX XXXX XXXX XXXX and XXXX XXXX  call me everyday to settle account but shows up as charge off and are actively charging the account. {$620.00}
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and according to USA 1681 which states governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). All these and bankruptcies or in accurate account # XXXX.
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 : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 a 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.