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

Per my other complaint I just filed with XXXX ( CFPB ID # XXXX ), Centerstate Bank of Florida is incorrectly reporting my former account with them to XXXX as a delinquent account ( Collection/Chargeoff ) with a balance. 

Centerstate Bank is reporting this account correctly with XXXX and XXXX. I sent a letter, got no response and XXXX contacted them. 

The attached evidence is clear that this account was discharged in bankruptcy. It should be reported to XXXX as closed, discharged in bankruptcy, with no balance.
Product: Debt collection

On credit report, they claim the account was opened on XX/XX/2020 and I owed {$1200.00}. I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, Sent a letter to XXXX, XXXX, and Experian informing them the information they are report to my consumer report is inaccurate.
Product: Credit reporting or other personal consumer reports

" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

9 inquiry on my credit report that do not belong to me Fraudulent inquiry XXXX XXXX XXXX from XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX ( Not mines ) XXXX XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX Not mine Here is a list of items on my credit report that I didnt apply for that is fraudulent information on my credit report identity is being use by someone to pull my credit that I didnt authorize I have call the company and send in letters to get item removed off my credit and still these item are hurting my self and credit I have hired a lawyer to get this issue resolved and made a police report bc the company is taking there time to resolving this issue I will have to take it to the next step if I dont get these item off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been previously disputed for " Fraud '' in XXXX XXXX and was REMOVED after providing : FTC Report, Notarized Letter from me and Police Report by EXPERIAN and the other bureau 's because it was a " Fraudulent Account '' open in my name. This account has since been sold by " XXXX XXXX 's '' to " XXXX XXXX, XXXX '' after it was closed due to being opened fraudulently. On, XXXX XXXX, XXXX this account has been re-reported by " Experian '' and " XXXX XXXX '' on my credit reports, with the same account number. 
_____________________________________________________________________ ACCOUNT RESULTS ON XXXX _____________________________________________________________________ Experian Results for Fraud Dispute : Deleted Date Generated : XX/XX/XXXX Report Number : XXXX Account Number W/ " XXXX  XXXX  '' : XXXX XXXX ACCOUNT # LISTED ON EXPERIAN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First off this is a CARES ACT violation -- I will be filing complaints with US GOVT who administers that -- ( treasury department ). I started with XXXX in XXXX. XXXX years of payments later- they CLAIM I still owed XXXX. XXXX what I started with. 

THEN -- -when they told me the loan payments were paid -- -all payments made- in XXXX XXXX XX/XX/XXXX they reported me late. First off- they gave me a concession -- forbearance-. it was current- therefore its illegal for them to report it late. 

They are in violation of the CARES act and I want these late payments removed immediately.
Product: Debt collection

We filed a bankruptcy over 15 years ago, and a Capital One card was included with this bankruptcy. We had other accounts with them that were paid off and we closed out. In XX/XX/XXXX ) they sent us a letter for collections purpose, I sent them a XXXX Letter soon thereafter, we had never heard from them until today XX/XX/XXXX ( XXXX ) Statue of limitations in Ohio is six years! We thought this matter was resolved, but now the phone calls have started. We want this resolved, since the bankruptcy is gone from our credit records, we do n't have any copies of our filling. Want to know what we can do to stop these calls and threats to pay!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in  XX/XX/XXXX but XXXX investigated with a reponse that account closed with a Balance deceasing every month.
Product: Credit card

We made a purchase at XXXX XXXX XXXX XXXX XXXX XXXX of {$30.00}. The card was mistakenly left at the counter terminal and we headed to our vehicle at the parking lot. Then the woman who was at the counter came running to our vehicle and said that we left the card at the terminal and there might have been authorized charge, so we should claim with our bank. We made other purchase with our card after that and informed our bank that the transaction right after the {$30.00} at XXXX is not our which was of {$170.00} but after that all other transaction are recognized. We dont recognize this charge as this was the charge that happened when we left the card at the terminal of XXXX XXXX We then went to XXXX the next day to talk to the XXXX. They said they will talk with the HR department and took our information. But we never heard anything from them. The chase bank issued a temporary credit for that unrecognized charge of {$170.00} but then took back again. They said us to provide with a written document prove. We then filed a police complain and also contacted both XXXX store and the customer service of XXXX but they said they cant do anything about that. We submitted the complain police report to chase and still they are not issuing us the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

An Experian oversees worker who took my call around XXXX XXXX time working in the Fraud Department, XXXX XXXX  with XXXX accent was very rude and abusive to me. 

There is an address XXXX XXXX XXXX XXXX XXXX MD XXXX that just appeared on my account this month at the same time a number of fraudulent hard inquires showed up on my report. I do not have any recent association with the address and never lived there, It has been sold several times since I owned it and it was never my residence. It was used for a farm business. Business activity can not be reported on personal credit, so in any case it should be removed. 

Please see the attached police report about the address, These account should not be furnished on my consumer report as they are in VIOLATION! Under, 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately. Delete in 5 days or pay XXXX for each violation penalty!
Product: Credit reporting or other personal consumer reports

My mortgage account with Shellpoint mortgage is currently under a forbearance plan until XX/XX/XXXX. On XX/XX/XXXX Shellpoint falsely reported my spouse and I account to the CRAs as 90 days delinquent and removed the remarks that my account was under a forbearance. We havent received any collection calls or notifications that forbearance was not in place. Once my forbearance plan ends, we will be able to apply for partial payment for payments not made during my forbearance. Our forbearance plan began on XXXX and was granted an extension from XX/XX/XXXX XXXX. This false reporting has damaged our credit.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : Commonwealth of Va Account # : XXXX  date opened XX/XX/XXXX bal. {$9400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2100.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1500.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report. I also have charge offs that should be removed from my credit report. I have spoken with XXXX XXXX about my score to no avail. I do n't know my credit scores from all 3 credit bureaus XXXX XXXXXXXX XXXX and XXXX. I would like for all of the credit inquiries to be removed as well as the charge offs and paid off credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pages of inquiries that was not me and breached data showing up constantly using my email and other personal information alerting me that its showing up on the dark web also I am now dealing with a huge problem with my account through XXXX that I pay for to access all three credit bureaus was hacked and it took me forever to get back into it and I had froze and locked all accounts they were all unfrozen. I have never filed for unemployment and now received a statement from workforce wv from the IRS of file taxes stating someone claimed {$11000.00} using my information and have never filed for unemployment. I will filing police reports due to this
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized and inaccurate inquiries on my credit report. I will appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute.
Product: Debt collection

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency CAN NOT furnish an account without my written permission or instructions.

15 USC 1666 B : 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

I'm getting 100 % frustrated with Equifax and their lack of response to my request for info on my report that is not accurate. I have not received a response to my 2 previous request for them to update my personal information and update late payment recordings from XXXX XXXX. I have file formal complaints now against both companies for violating my consumer rights. This account was never late and Equifax did not contact me to validate that info was true before reporting it as such on my consumer report. This info has damaged my credit profile and prevented me from obtaining credit. The worst part is it is false! If I can't get this rectified I will explore legal options and pursue Equifax because I've had enough.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to formally register a complaint and seek redress regarding my participation in the Sweet vs. Cardona Borrowers Defense Class Action Settlement ( Application Number # XXXX - XXXX XXXX XXXX  [ XXXX ] ). I believe my case merits special attention due to the following facts : I am addressing the inclusion of the following tradeline on my credit report : - Account Name : MOHELA/DEPT OF ED - Account Number : XXXX - Loan Award ID : XXXX - {$4800.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$13000.00} - Loan Award ID : XXXX - {$20000.00} I believe this tradeline violates the terms of the settlement agreement and consumer protection laws under the Fair Credit Reporting Act ( FCRA ). As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application ( s ), as specified in the settlement terms.

I request that the credit reporting agencies promptly investigate this matter to ensure that my credit report accurately reflects my status as a borrower defense applicant in administrative forbearance. The FCRA and the settlement agreement require that my credit reports accurately represent my financial obligations and rights under the law. 

As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application : XXXX, as specified in the settlement terms. 

I understand that the Sweet vs. Cardona Borrowers Defense Class Action Settlement is designed to address cases where borrowers have been subject to unjust treatment related to their student loans. Given the circumstances of my case, I believe it falls within the scope of this settlement.

I have reviewed the terms of the Sweet vs. Cardona Borrowers Defense Class Action Settlement, and I believe that my situation is directly related to the objectives and provisions outlined in the settlement. Therefore, I request a thorough review of my case to determine if I am eligible for reimbursement and restitution under the settlement terms.

Enclosed with this complaint, you will find supporting documentation : 1. Copy of Dispute Statement 2. Copy of Request for Enforcement of Settlement Rights to Privacy and Accuracy of Information ( Dept. of Education Letter ) 3. Copy of Borrowers Defense Class member participation and eligibility for administrative forbearance.

4. XXXX XXXX XXXX Misconduct, Misrepresentations, and Breach of Contract and Fiduciary responsibility claim evidence and copies of email correspondence. 
5. Copy of your drivers license ( Proof of Identity ) 6. Copy of Bank Statement ( Proof of Address ) 7. Loan DetailXXXX - Copies of XXXX XXXX credit report highlighting discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with XXXX XXXX XXXXXXXX XXXX that continuously reports on my Equifax report and it's a very old account and should not be listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late paying my accounts XXXX/XXXX XXXX XXXX XXXX, and XXXX XXXX I disputed the accounts with Experian and XXXX but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX i am a victim of identity theft.im requesting you block and delete some unauthorized fraud accounts on my credit report.XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXXthese accounts listed on my credit file is a result of identity theft.please help me and blocj these account in 4 business days.this is stopping me from buying a home.i filed a ftc report ftc report number XXXX which is enclosed.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting or other personal consumer reports

I have discovered multiple inaccuracies on my Experian credit report, from names, to addresses, and a dispute on XX/XX/year> I never filed.
Product: Credit card or prepaid card

Called chase to dispute an {$8000.00} transaction and they did nothing about it. I informed them I would not be making payments on the card until they start to investigate it. Subsequently they closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently review a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my report immediately.
Product: Credit reporting

ELAN FINANCIAL SERVICES ON MY  XXXX  REPORT NOT MINE.   NEVER AUTHORIZED NOR OPEN ON  XXXX / XXXX /  XXXX  .   * DISPUTE AS NOT MY ACCOUNT * BALANCE OF {$710.00} NOT MINE.   NOT A JOINT ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX bankruptcy in XXXX of XXXX -- it was finalized ( completed ) this past fall of XXXX. My US Bank mortgage was excluded from the bankruptcy and I continued payments. I requested several times during the bankruptcy that they resume credit bureau reporting to no response. I waited until it was finalized and I again requested that they resume credit bureau reporting. They have denied this request and claim it is their policy to stop all reporting after you file. I can understand them doing this BUT if a consumer requests individually that you resume, I feel that request should be granted. 

I have had this mortgage fifteen years and have never once been late -- every single payment has been made on time. I feel like this is continued punishment for having filed bankruptcy. I was counting on this to help rebuild my future going forward and I feel like it's a slap in the face. I will fight this for every single person out there in my position until it is made right. I will file a complaint with every agency I have to until my complaint is given legitimate review.