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

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : [ Include list of disputed items ] Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Listed below are the Accounts that are being challenged XXXX  XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq. , it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have mailed my identity theft report to Experian via certified mail 3 times. Each time they have received my identity theft report which includes a police and FTC report, they refuse to remove fraudulent accounts from my credit report and to remove unknown addresses from my Experian credit report and only send stall letters asking me to resend proof of ID and the same documents that have already be sent several times. 

The identity theft reports were mailed via certified mail to Experian, the delivery date and the tracking numbers are below : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX Experian, Dear Sir or Madam : I am a victim of identity theft, and the accounts and hard inquiries below are were done by whomever stole my identity. I am requesting that the items be blocked to correct my credit report. Enclosed are copies of documents supporting my position. 

My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Please, remove the inaccurate addresses currently appearing on my credit report. 

Accounts that are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my credit report and was shocked to see the numerous amounts of errors Experian have listed. I am filing a complaint to have remove them immediately. Experian Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor, Department of Education/Nelnet has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

please check the information concerning the eqifax data breach below in attachments
Product: Debt collection

The collection agency is fraudulently re-aging the account to make it appear newer in hopes that I will give in and pay them even though it 's not mine. This is clearly a violation of FTC and FCRA regualtions, as they have failed to report with accuracy and integrity. 

I have filed several disputes as I do not believe that this is my account. XXXX of the XXXX credit reporting agencies have removed this account due to lack of validation. In fact, the Original Creditor ( XXXX XXXX ) continues to extend me credit. I have an auto loan and XXXX credit cards with them that have a perfect record. 

Yet, a collection agency continues to re-validate and re-age zombie debt that I do n't believe is mine on my XXXX report. I have disputed this in XXXX XXXX and XXXX XXXX. My XXXX XXXX XXXX report clearly shows in the comments my XXXX XXXX request for dispute, validation and correction. I have even sent certified return receipt letters in attempts to correct this. The collection agency has sent back letters stating that they have validated all information. 

My XXXX XXXX XXXX report shows the collection agency reporting the Date opened as XXXX XXXX and First Reported as XXXX XXXX. ( viewed as a relatively new account ) My report from XXXX XXXX shows the original creditor and the date opened is ACTUALLY XXXX XXXX and the First Reported as XXXX XXXX. The collection agency has sent me statements from XXXX XXXX showing the debt was clearly in XXXX. The information that the collection agency is reporting to XXXX does not match the orginal creditors information and lacks integrity and accuracy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported : XXXX. XXXX, XXXX Opened XX/XX/XXXX ( 6 yrs, 1 mo ) Account status Closed and No Infromation Account Balance {$590.00} XXXX Reported : XXXX. XXXX, XXXX Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Account previously in dispute - Now resolved by data furnisher Original Creditor Name XXXX XXXX Account Balance {$2800.00} XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX Opened XXXX. XXXX, XXXX ( 3 yrs, 2 mos ) Account status Open Original Creditor Name XXXX XXXX Closed and No Information Account Balance {$160.00} I ask them to reinvestigate my accounts I got my investigation back and I noticed they didn't update it or modify my information. From XXXX, XXXX, TransUnion. Violation of Credit law 15 U.S. Code 1681i ( 5 ).
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open any credit cards recently other than my XXXX credit card and was approved. There should n't be any other marks on my credit score.
Product: Credit card or prepaid card

I received a pre-screened offer in the mail for a Chase Sapphire XXXX card with a unique invitation number, implying that I had been individually pre-approved for this card. When I applied I was declined. This immediately knocked 6 points off my XXXX XXXX which will make credit more expensive to me in future. Also, the enquiry will be on my credit history for 2 years making it more difficult for me to obtain credit cards from other providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not providing proof of reported debt for collection account. I have written and sent certified mail 3x to ask for proof of debt in amount of {$480.00}. 

They are erroneously reporting XXXX/XXXX XXXX  collecting {$480.00}
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$230.00}
Product: Mortgage

Fay Servicing LLC and XXXX XXXX XXXX somehow messed up the payoff balance after the XX/XX/2022 settlement. Each are blaming the other and are saying I am responsible? I was not aware of this until the week of the XXXX of XXXX 2022 when XXXXXXXX XXXX  called me and said something about they both paid on the escrow and I had to go to the courthouse and get the {$1800.00} check and cash it and send them {$1700.00}. Called Fays during the same period and on same day and they said they returned the payoff of XXXX because it was suppose to be XXXX. Now I am no genius but that is a difference of XXXX so why did XXXX need {$1700.00}? It changed two more times too {$690.00} and I believe {$1900.00} some? Have attachments I hopefully am able to send one includes Fays charging me XXXX house payment of {$1300.00} and now a XXXX recent payoff I requested on XXXX 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB In addition to my recent complaint with Experian I have closely reviewed my credit reports and see the same account number reporting inaccurate. The account XXXX XXXX XXXX shows that my account is closed and paid satisfactorily and was opened on XX/XX/XXXX with the same account number listed on my report with a four year gap beginning XX/XX/XXXX reporting as a charge off with a new open date of XX/XX/XXXX for he same loan. They also skipped from 30 to 90 days vs 30, 60, 90 for the charge off, again inaccurate reporting information. 

They have failed to respond to my request and ignored my previous complaint to you. 

XXXX XXXX vs Experian they must report accurate information and they are clearly not. 

I please ask that you send this dispute. 

under 1681e ( b ) maximum possible accuracy and section 1681i which is a lousy investigation.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I contacted US Bank for a payoff amount of my remaining lease term to try to trade the vehicle in. I was told a payoff could only be provided to a dealership. When I called with the salesman on XXXX/XXXX/16, he was quoted {$25000.00} to payoff the lease. Then the US Bank rep asked if I was leasing another vehicle through US Bank. The salesman said no, stating their dealership does n't have a financing relationship with US Bank. The rep then said he had to recalculate the price, and came back at {$31000.00}. When the salesman asked why a nearly $ XXXX increase, the rep said " loyalty has it 's benefits. '' That evening I called and was transferred to the lease maturity department. A male rep was very rude and repeated the " loyalty has it 's benefits '' mantra and told me the bank has the right to increase the contractual lease buyout if I am not going to stay with the bank for a future transaction. When I asked for a manager I was initially told that I was not entitled to speak with a manager because he/she would tell me the same thing. After protesting, I was put on hold for 10 minutes and then told the entire management team was in a meeting. I was told I could not stay on hold and that the rep " guaranteed '' I would receive a call back that evening. I have not received a call back. When I called back the next day and explained to the rep what my issue was, I was put on hold for 7 minutes and then told that " due to technical difficulties '' I could not be transferred to a manager and should call back. I believe what US Bank is doing is illegal and deceptive - and being refused the option to speak with a manager to file a complaint is unfair. I should n't be penalized for looking to a different financing source, and I should n't be treated as rudely as I was by several representatives at US Bank.
Product: Mortgage

Your client failed to reach out to the VA in response to getting approval to modify the clients loan. Although the VA has rules and regulations regarding a lender approving an additional modification of the loan, they are also willing to review any lenders request for additional assistance via Loan modifications for the VA to approve, we request the lender to submit the loan modification application to the VA for approval to assist the client in the delinquency of the loan to be brought current and allow the client the opportunity to save their home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I paid and settled my XXXX  XXXX XXXX credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, XXXX XXXX XXXX continues to verify a balance is still owed. XXXX XXXX XXXX will not fix the issue either.
Product: Student loan

I contacted the collection agency that states that they have an extremely expensive amount of loans in my name. I am attaching the verification letters that I sent to them that appear on my credit reports. They sent back to me a loan application with my name on it for 2001, no other information. I informed them that they did not verify all the accounts that they had listed and that they should be removed from all three bureaus. I am asking or your help to enforce that this collection agency does not break the law on my behalf.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account # XXXX XXXX XXXX And Account # XXXXXXXX XXXX XXXX XXXX XXXX And Account # XXXXXXXX XXXX XXXX XXXX XXXX. And Account XXXXXXXX XXXX XXXX XXXX  due to XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information. failure to notify consumer dispute results.This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting house XXXX violates my rights as a consumer, as well as feder laws.
Product: Credit reporting or other personal consumer reports

I have reported the my XXXX  loan, and The name of the person in charge is not XXXX XXXX, My report number was XXXX It is Huntington Bank. 
Please correct this,
Product: Debt collection

In XXXX of 2020 I was notified by a debt collector that I owed {$1400.00} to reserve at the lake. I went over and asked what did I owe the debt for and was told it was a mistake and I also was given a refund in XXXX of 2020. I have since tried to remove it from my credit asking for a ledger and have been told that they have since changed management. I reached out and have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016 I opened a XXXX XXXX XXXX  account which due to life circumstances did default. There was a balance and I paid to have the item removed from my credit report as a negative item as the debt had been satisfied and this did not occur.
Product: Credit card or prepaid card

Comenity Bank allowed someone else to use my XXXX card 4x, my Victoria 's Secret card 2x. The hacker also changed the name on my XXXX  card. Back in XX/XX/XXXX/XX/XX/XXXXwhen the first charges appeared I called in the fraud but no protections were put on my card. The same person was allowed to repeat this again in XX/XX/XXXXat 2 more XXXX stores and change my card to the same name she changed it to last time. 
This is scary and takes a lot of time to resolve. They have given this woman access to my personal data and stolen my time, energy and sense of security. The charges are over {$2000.00}.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, After reviewing my credit report, l noticed multiple credit inquiries were made as follows : XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize these inquiries and therefore I am requesting that these inquiries be removed from my credit report. 
These inquiries were made WITHOUT my knowledge. 
Please remove these inquiries from my credit report and send me an updated copy once it has been removed.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX XXXX XXXX XXXX  - Account # : XXXX Company Name : XXXX XXXXXXXX XXXX - Account # XXXX
Product: Credit reporting or other personal consumer reports

I called navy federal serval times about the incorrect balance that they are reporting, nothing was ever done