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

My employer filed my background check with Accurate Background over a month ago on XX/XX/year> and yet there is no processing even though I have gotten my background check done with Accurate in the past and I never had this issue. This problem has caused me to delay my hiring date and I will likely lose my employment offer soon. Accurate keeps telling me about a court delay that is causing the problem but I wonder why since I have never had this issue and I have a clean record. I call often every week but I always get told about an eta response every week but nothing happens. This has hurt me financially since I currently have no job and now I have to begin applying for employment. I also noticed that I am not the only one going through this and many people are currently having the same problem with Accurate processing background checks. What am I supposed to do because I can't keep waiting if nobody knows anything. Why is there a court delay? Who is the court responsible for this delay and why I can't get a hold of them? These kind of problems should be illegal.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORTS XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX. 
- XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX. 
- XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts need to be deleted immediately : 1.XXXX XXXX XXXX Acct # : XXXX 2.  XXXX Acct # : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( XXXX5 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Inconsistent Payment History Reporting : The payment history for this account is reported inconsistently across the three major credit bureaus. For instance, XXXX, Equifax and XXXX show 30 and 60-day late payments for the same time period. 

On-Time Payments : I have attached bank statements and payment confirmations showing that all payments were made on time. The evidence provided contradicts the late payment information currently reported by the credit bureaus. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX  XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX - XXXX SERVICE XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX BANK XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX  CA XXXX XXXX XXXX Filed : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The credit report shows the following : XXXX have received reported payments up to XX/XX/year>. 
XXXX have received reported payments up to XX/XX/year>. 
XXXX have received reported payments up to XX/XX/year>. 
My mortgage payments is not accurately being reported to the credit reporting agencies each month on time.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions and inconvenience significant caused have financial loss, and I seek appropriate redress for these violations
Product: Debt collection

They are calling me on my work phone. I told them not to call here and gave them my cell phone number to contact instead. They stopped for a few days and now they are calling my work again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 3 Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Type of disputed information : collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 4 Account Number : XXXX Account Name : XXXX XXXX  Type of disputed information : unsecured loan Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 5 Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : secured loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 6 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : auto loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Dispute 7 Account Number : XXXX Account Name : XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 




Thank you for your assistance Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Please remove XXXX XXXX Account # :XXXX from my report 2.Please remove XXXX XXXX account Account # XXXX from my report 3.Please remove XXXX Account # : XXXX & XXXX from my report 4.Please remove XXXX Account # XXXX from my report 5. Please remove XXXX Account # : XXXX from my report 6.Please remove XXXX XXXX Account # XXXX from my report 7.Please remove XXXX Account # XXXX from my report 8.Please remove XXXX XXXX  Account # XXXX from my report The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX _________________________________________
Product: Credit reporting, credit repair services, or other personal consumer reports

This isn't my account have know knowledge of this account.
Product: Debt collection

i have explained to creditor Portfolio Recovery Associates LLC that i lost my temp job and do not have another job yet. the response from the customer service representative was " you'll be getting unemployment insurance. '' I did not ask this debt collection agency to be my financial advisor. they have been incredibly aggressive in calling every other day at one point. they have attached a letter dated XX/XX/XXXX from XXXX XXXX showing a lump sum owed of {$19000.00} but there are no other attached documents showing the breakdown of these prior credit card services. they have insisted i pay more minimum payments than i can afford to pay. they have called XX/XX/XXXX at XXXX XXXX ; XXXX at XXXX XXXX ; XX/XX/XXXX at XXXX XXXX. they have called on sundays as well and i have asked them not to call me on sun. despite this request they have continued to call. i have cobra health insurance expenses as well as student loans. they have called my mother in another state from whom i am estranged. they are in violation of any reputable debt collection practices. they are calling on my cell phone, my only phone, and so i am paying the cellular company to have a debt collector call me. this is badgering consumers.
Product: Credit reporting or other personal consumer reports

I have misinformation regarding collections on my credit report that i repeatedly said it was not mines and I have no knowledge of these its on XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX which had information on there I dont even know or ever possessed. I sent disputes letters several times and the last 3 by certified mail and according to the FCRA 15 us code 1681 68021681-c and especially 1692 g these accounts need to be removed and not constantly verified and updated. Its been 4 times this has happened and there was not a proper investigation with XXXX
Product: Credit card

The issue is that on my XXXX Credit Report .My Date Opened is incorrect. I have disputed it with XXXX three times and filed a complaint and a dispute through you CFPB and it still is has n't been updated. Date Opened needs to be updated to XX/XX/2016. It 's reporting incorrectly as, XX/XX/2016.
Product: Money transfer, virtual currency, or money service

I opened a paypal account but system dont let me use it because say Im a risk and then block and limit my account, I sent all the documents that PayPal system needs to verify my identity and open my account but they were unable to activate or remove the limitation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding Unauthorized Inquiry on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal. This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern please be advised my account with XXXX XXXX XXXX XXXX is a commercial business purpose loan and should not be reflected or reported on my personal credit report. Please have them remove any reporting on my personal income immediately. Any credit reporting should only be reported on entity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Mortgage

We live in a small rural town in Wisconsin. Property taxes don't change much year to year. ( Exhibits 1 & 2 show the amount taxes change year to year ) That's why were surprised to hear in XX/XX/2018 from our new loan servicer, Lakeview Loan Servicing LLC, that we had overpaid our taxes and that we were being issued a refund from our escrow account AND our monthly amount was being lowered. 

Lakeview Loan Servicing , LLC states on its website that it provides subservicing by XXXX. 

That didn't make sense to us, but we figured that perhaps the new servicer had somehow recalculated something in our favor. 

In XXXX, I received a notice from our town that our second escrow payment had not been made. That's when I realized what Lakeview had done - they had ignored that there were TWO escrow payments, and recalculated everything as if we owed only ONE. 

I contacted Lakeview, and was deeply concerned. We didn't have that money that was refunded us. It had gone to school tuitions and other immediate needs. I spoke with a rep, then with a supervisor to voice my concerns. They said they would work it out. I even offered to do some sort of second mortgage to replace the escrow money - but it would have to be at favorable terms ... 

... but Lakeview did nothing. They made the second payment to our town, and we continued paying what we had been paying. I was worried - unsure of how this was " fixed. '' ... and then we found out. Now, we have been contacted and informed that ( OBVIOUSLY ) our escrow account is in arrears, and that we are going to have to pay {$600.00} MORE A MONTH. 

I know to many, including Lakeview Mortgage, this isn't a lot of money. But that's an incredibly damaging amount to our family. 

I contacted them. The first rep told me that it was " simple math. '' He implied that we had requested a lower payment, or that the tax circumstances had changed. Neither of those contentions are true. 

I asked for a supervisor. 

I was given to a second person, who was confused. I asked if he was the previous rep 's supervisor. He said he was not. I asked for a supervisor. 

The third rep indicated that she was not either of the previous call center worker 's supervisor. She said supervisors only call people back. I gave my information and asked for a call back. 

I never got a call back. 

Two days later, I called back, and waited for minutes - and then was hung up on by the system. I tried 8 additional times, and each time, without reaching a rep, was hung up on. 

I called two days later, requested a supervisor, and then never received a call. 

We didn't do anything wrong. We make our payments, we requested nothing. I don't know if we can afford XXXX XXXX extra dollars a month. If i knew this was the amount of our mortgage, I wouldn't have bought this house. 

I'm sick of being abused. I'm afraid of losing my home. I haven't done anything wrong, but I'm required to pay an amount I never asked for. And I am getting no help, no conversation, no explanation from Lakeview.
Product: Debt collection

MACYS/CBNA Revolving account with account # XXXX opened on XX/XX/year> and a Balance of {$420.00}.
Product: Credit reporting or other personal consumer reports

I was absolutely shocked to find incorrect accounts on my credit report tonight, and I have no idea how they ended up there. I regularly check my credit report, but this time there were errors that came out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but the inaccuracies stayed. This is deeply unsettling, and I am asking for a thorough check of the documents Ive sent to ensure this issue is fully resolved, so I never have to worry about it again.