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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX regarding one late payment showing on my credit report dated XX/XX/2016. The arrogant customer service representative did not make any efforts to assist with my request. My payment history has been excellent with the exception of ONE late payment. She rudely hung up on me without providing any other options to rectify the one reported late payment.
Product: Debt collection

XX/XX/18, {$1500.00} XXXX XXXX and National Commercial Services have been targeting me since XXXX stating that I wrecked one of their vehicles and requesting/threatening to suspend my license which is false. They can't seem to provide any legal evidence/police reports or anything to show I was involved in this?
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that all account that were compromised or affected by this breach be immediately blocked and deleted from your records. 

XXXX XXXX Balance : {$27000.00} As you are aware, the data breach has compromised sensitive personal information, and under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2 ( a ), I have the legal right to request that any account connected to my name, Social Security number, or other personally identifiable information ( PII ) that were included in the breach be blocked and permanently deleted to protect me from any further harm, including identity theft or fraud.
Product: Vehicle loan or lease

XX/XX/2024 this transaction was for a used vehicle the vin information was provided to them I received a denial notice in my email stating multiple violations in accordance with CFPB and TILA and the United States codes and common law of contracts 15 USC 1605 finance charge also 15 USC 1602 ( g ), 15 USC 1611 for the false information that was provided in the denial notice and bank of America XXXX XXXX customer service said the information provided was within the law I said equal credit opportunity act states that no creditor can discriminate against any consumer for any aspect of a consumer credit transaction
Product: Credit reporting or other personal consumer reports

Personal Statement Personal Statement Personal Statement XXXX had placed two fraudulent accounts on my credit reports, i did not open these accounts, these accounts were open woth out my knowledge i want these accounts removed off my reports, i have knowledge of these accounts, my information has been leaked and it had caused identity theft, please except this report as true that those accounts were open by someone other than I want these accounts removed, I am seeking a lawyer and sue for the data breach that has caused the identity theft
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts. These errors are deeply concerning and have no connection to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year>, I was supposed to recieved my Direct Deposit to my Capitol One Checking Account from my employer. However due to an issue with a third party vendor, I have not received my paycheck yet which has caused a major inconvenience for myself and many others. My paycheck amounts to over {$1300.00} and I have financial obligations that I have to fulfill. I reached out to Capitol One on XX/XX/year> and I spoke to a representative who gave me the scripted response that's listed on the reports of the outage. She said it should be fixed by the evening of XX/XX/year> or the next day. I checked my accounts on XX/XX/year> and I do not see that my deposit arrived in my account. I request a full investigation of Capitol One 's practices regarding deposit availability. As a XXXX XXXX for another bank, I am shocked that a bank has allowed this happened. I understand that a third party had an issue but this problem creates a major reputational risk to their company and public trust.
Product: Debt collection

CPFB I appreciate you. See attachment. I was ready to pay my bill on XX/XX/year>. It's about to XXXX and I'm still not able to pay it. Whenever your issue is fixed, I will resume paying that payment due of {$110.00} AND NOTHING ELSE! I'm not playing catch up and the confusing and shaky foundation yet sense urgency to pay the bill makes me feel this is a scam. I'm not rushing to give anyone my information.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I currently have a home loan with Freedom Mortgage. I am writing this letter to explain why my XX/XX/2024 mortgage payment was late for 30 days. On XX/XX/XXXX I sat down and scheduled my payment for XXXX. When I went to schedule the payment I noticed under the payment amount : Monthly payment, additional principal and additional escrow with a total on the bottom including the words authorized payment date. Everytime I pay my bills I print out a receipt for my records. After I had printed out my authorized payment I went on with life as usual. 
When I sat down in XXXX to make my payment ; I logged into my account and noticed that I had missed a payment. I immediately picked up my phone and called Freedom mortgage. I spoke with a representative on XX/XX/XXXX and explained that I had made this payment. When I looked at the paper receipt I had printed out I discovered that I scheduled the payment and did not hit the submit button. I told the representative that I had made a clerical error and that I was unaware that this payment had been passed due. I was very concerned that my credit was going to be affected by this and she assured me that Freedom mortgage wouldn't report this on my credit because of the loan being transitioned from XXXX XXXX to Freedom Mortgage. I paid the payment for XXXX right away ( XX/XX/XXXX ) and paid the XXXX payment the very next day ( XX/XX/XXXX ). When my XXXX payment was due I scheduled and proceeded to follow through with hitting submit. I decided to check my credit and noticed that my score went down by XXXX points with a 30 day late notice on my credit report. I called Freedom mortgage and they said there was nothing they could do to change this. 
I did some research and it has led me to believe writing this letter to you explaining what happened would be my only option. I have attached the print out of the scheduled payment that was missed because the window size on my computer was not maximized for me to see the submit button when I went to pay my bill on the XXXX of XXXX. I have worked very, very, very hard to have great credit. I am and have been aware that if I am unable to pay any of my bills the first thing to do is call and speak with lenders on what my options would be. I am able to make payments for our home and other bills. We are not in a financial crisis at the moment. This really hurt my credit and I would like to speak with someone regarding this or some kind of communication regarding this letter. If we need to go on automatic payments in order to reverse the hit on my credit that works for us. Please understand that this was a clerical mistake on my behalf and I had no idea my payment was 30 days late until 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. 
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 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 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 recently submitted a request for an investigation of the disputed account, Since I believed Experian and XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since Experian and XXXX CREDIT BUREAU 's investigation was done improperly, Experian and XXXX Credit Bureaus must update listed account from my file. 
XXXX XXXX Balance Owed : {$10000.00}.
Product: Debt collection

XXXX has sent a falsified debt to I.C System, in which I do not have a balance with the company. XXXX has and continues to utilize predatory pricing among minority populations. XX/XX/XXXX has continued these illegal practices in their billing schemes, and the credit reflected on my credit report is not factual. I am seeking a written apology from the corporation and removal of this un-owed debt from all three credit bureaus, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : Company or Organization : XXXX XXXX XXXX XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX XXXX XXXXXXXX Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  and XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THE FOLLOWING ACCOUNTS BELOW FROM MY REPORT IMMEDIATELY : CMRE FINANCE ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX {$9700.00} CMRE FINANCE ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$23000.00}
Product: Debt collection

I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX XXXX Extn XXXX from Asset Recovery Solutions LLC. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all.
Product: Vehicle loan or lease

I leased a GMC XXXX on XX/XX/XXXX for a 39 month lease. I traded in an old GMC towards the lease to keep payments lower. I was going to purchase the vehicle at the end of the lease, so I was not concerned about mileage. On XX/XX/XXXX, the transmission on the truck was not working correctly. I dropped the truck off to XXXX XXXX XXXX in XXXX XXXX NY. They had the truck till XX/XX/XXXX, when they returned it to me it still was not working correctly. At this point I was over the mileage allowance for the lease. The lease had also matured. I have not had the truck since early XXXX. I have been trying to contact a GM customer assistance representative and to no avail. I made brief contact, but no return calls have been made. I called XXXX at XXXX extension XXXX. My case number is XXXX. I am currently without a vehicle. I am very disappointed in the lack of customer service provided by GM.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated by how is that possible if the Bridge Crest Company has not provided the necessary documents under the law of the State of Florida UCC code 679.01. and state RISA and MVSA statutes deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to. 

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

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

Also, the Credit bureaus took more than 30 days to complete my investigation certified mail tracking #
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated the following Accounts were properly investigated but how is that possible if it's inaccurate. This alone is grounds for removal. They also violated my rights under XXXX5 U.S. C. 1681 Section 604 A Section 2. The Law clearly states a consumer reporting agency can not furnish an account without written permission XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( 3 Times ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - All Hard Inquiries
Product: Mortgage

I won my house in a XXXX XXXX, the bank refused to work with me because my name wasnt on the loan. Documents stated that they had to work with me in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX continued to report late payments on this closed charge off account. They submitted documents in regards to my dispute yet failed to show me any monthly statements dated after XX/XX/XXXX that showed a past due amount and a due date. 

As a result of not providing any billing statements during the period after the loan payoff, this account can not be reported as late since they did not provide necessary documentation. They claim they sent e-mail correspondence and listed dates yet did not actually provide the emails. This proof is invalid as a result. 

I have attached the ONLY letter they sent to my co-borrower. Nothing on this letter shows a due date. Please also note the date of this letter. 3 months after the payoff, and also no statements in XXXX or XXXX for any amounts owed. 

XXXX XXXX has also failed to provide me my pay off disclosure, interest rate disclosure, and credit insurance. They also reported an inaccurate charge off amount of over {$6000.00} to the CRA 's when they claim only {$1000.00} was owed in their response letter. 

Also, to farther add insult to injury, according to the IRS - a charge off is reported as income and income can not be reported on a person 's consumer credit report.
Product: Debt collection

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and all other documents so I may review to see if this is actually an account that belongs to me.