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

I recently review my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on XXXX accounts that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts have never been late on payments. I have attached a copy of my report to this complaint on the following dates, XX/XX/year>, and XX/XX/year>. I am now requesting you investigate these accounts and update these payments to pain on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Lexis nexis could not verify the bankruptcy that have on my file according to the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account listed on my Trans Union, XXXX and XXXX credit report that opened on XXXX XXXX, XXXX and was XXXX. My XXXX credit card account has a balance of {$2500.00}, those transactions/charges are all fraudulent and unauthorized charges. The charges do n't belong to me. I have a fraudulent and unauthorized hard inquiry on my XXXX and XXXX credit report. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX/XXXX. I Trans Union, XXXX and XXXX to add and list the following phone number to my credit report : XXXX. Creditors is to call me first at either : XXXX or XXXX before approving or extending any credit offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies keep reporting inaccurate wrongful information. The bureaus will not report factual, accurate information, but keep blocking my " verification access '' through phone calls or online requests and keep asking me to send them my information and it all goes back in a never-ending loop. 

XXXX  XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX Transunion XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Bank account or service

THERE HAS BEEN SOME UNAUTHORIZED WITHDRAWALS FROM MY BANK ACCOUNT.I WOULD NEED TO GET A NEW DEBIT CARD, BECAUSE SOMEONE HAS MY CARD.THE WITHDRAWAL WAS FOR XXXX TWICE AND XXXX
Product: Debt collection

I received a call at XXXX regarding a debt they are claiming I have regarding an XXXX XXXX  account that I have no knowledge of. During the call the agent became very agitated when I asked for company information to the extent I had to call back. Its Kingston XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX   XXXX, XXXX, GA XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I 'm waiting for a new card to come in the mail but my current one is still activated. I ca n't scan it through machines because the magnetic strip is damaged but I can still pay for things online. The only access to money I have is sending myself cash from my bank to  XXXX    XXXX   or moneygram  or to drive   XXXX   XXXX  hours to my bank. They have both denied letting me send cash to myself and I have a car payment and issurance payment right around the corner. I 'm extremely displeased and they even blocked me sending money to family or friends so they can pay my car and insurance payments. I 'd like this settle asap. I 'm in the military and believe I deserve more respect than to be denied MY OWN money that work hard for.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Credit Bureaus have done nothing to remove the disputed items from my Credit Report despite the multiple dispute letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal documents. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft. However, I see here that the Credit Reporting Agencies seem to not care about the said FCRA regulation that protects a consumer 's rights. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following disputed items completely from my Credit Report. If the Credit Bureaus insist that that the dispute items belong to me, I will require the Credit Bureaus to provide me copies of documents bearing my signature to prove the Credit Bureaus claims that the disputed items really does belong to me. Please remove the following fraudulent items completely from my Credit report ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX Balance Owed : {$23.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items 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 alleged identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXXY XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : {$300.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

PennyMac services my loan and recently on the statement they have removed the PMI line item in the " transactions from last statement ''. I still pay for PMI and my full payment amount is the same. I just feel that they have changed the statement to hide the PMI charges. Why else would they remove the line item for " Mortgage Insurance Disbursement ''? I believe this to be unethical and misleading to customers. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I sent a letter to Equifax back in XXXX, asking them to investigate errors on our credit report.  I am attaching a copy of the letter we sent to them.  They are supposed to respond within 30 days, but have failed to do so.  We've tried to follow up with them about this, but we get no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to you after reading over The Cares Act provision and seeking forgiveness based on its policy. 


I noticed that my most recent credit report contains a late payment reported in XX/XX/2023 on ComenityCapital/XXXX XXXX XXXX XXXX. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I, myself and my wife both were shamefully fighting XXXX. Per a call with a rep of XXXX/Burlin and in a great attempt to maintain my financial responsibility, I was under the impression that I qualified for a deferment plan. Nothing mattered more to me than keeping my relationship and credit worthiness intact. So I expressed great concerns about the possible cons of opting into such a program. I was assured on a recorded call that all shall be well as long as I operated within the guidelines, in which I did. Sometime later I was alerted by one of my credit monitoring services that this account was flagged as 30 days late. I immediately called in and satisfied my balance. Aside from this unforeseen and unavoidable circumstance, you will see that I have excellent payment record.This has been really challenging to my credit worthiness and stressing for quite some time now. Because I felt so betrayed by this creditor, it took me a while to use this card again. Now, I ask for your mercy under The Cares Act amendment. I understand that this is only something you can rectify. I am planning on refinancing my home and it has come to my attention that the missed payment on my credit reports is hurting my ability to qualify. In my heart, I know that the missed payment doesn't reflect my solvency. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/2023 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly it. Thank you for your consideration. Have a blessed day!
Product: Debt collection

Called the company and sad they no longer had it. 
Disputed it with the credit collector and credit bureau as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NIH XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account is for a apartment complex that I didn't live at nor did I know anyone who has lived there, this complex is in a state that I've never been to, I've called the complex and they have no record of me ever having an apartment in my name there either, the complex also contacted the collection agency and they refused to speak to them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

I am distressed that you have included the information below in my credit profile and that you 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. The following information therefore needs to be re-investigated.

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 ( XXXX ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account : XXXX XXXX XXXX - Account # XXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX - Account # XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have been applying for rental properties and have now been denied for three homes as a result of false information provided by TransUnion rental screening products to third parties. I contacted the company XXXX, used by a company called XXXX XXXX to screen tenants for home rentals. XXXX XXXX informed me I was denied housing as a result of an eviction on my background screening. I contacted XXXX who verified they in fact, do rental screenings for the property management company and reported the information provided was false. I also provided proof of the inaccuracy as TransUnion reported I was evicted from a home I currently reside in. Their records state I have a forceable entry and judgment in the amounts of {$160.00} and {$120.00} dollars for a property I pay well over {$2000.00} to rent. Allegedly based on their information, this occurred in XXXX, however, during the COVID pandemic, I was affected, lost my job and got behind on my rent between late XXXX and early XXXX. I was successfully awarded over {$7000.00} in emergency rental assistance for the exact property TransUnion states I was evicted from in XXXX and have had no other issues affecting my rent, payments and have had no evictions occur.
Product: Credit reporting or other personal consumer reports

FCRA XXXX, I believe, mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the accounts listed are inaccurate in terms of reporting, with inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report & saw accounts reporting that I do not recognize.
Product: Credit reporting, credit repair services, 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 U.S.C 1681, XXXXXXXX XXXX XXXXXXXX Acct : # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # 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 no
t furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This debt is " paid in full and closed ' due to the home 's sale. However, it is being reported as closed rather than " Paid in Full. '' The current statement alludes to a debt owed and should be removed. Transunion shows Closed and should show as Paid.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute Regarding Inaccurate Late Payment Reporting for XXXX  Account Dear CFPB, I am writing to dispute inaccurate late payment information reported on my TransUnion credit file for the XXXX XXXX  account ( Account # : XXXX ). 
Details of the Dispute Your records inaccurately show late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is inaccurate and must be corrected immediately. 
Legal Basis for Dispute The inaccurate reporting violates the following laws : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) : Mandates procedures to ensure maximum possible accuracy.

15 U.S. Code 1681i : Requires timely reinvestigation and correction of disputed information.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Protects consumers from unfair penalties by requiring timely billing statements.

15 U.S. Code 1681n : Willful violations of the FCRA expose credit bureaus to liability, including statutory and punitive damages. 
Requested Resolution I demand the removal of the late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and a written acknowledgment of the corrections made. 
Enclosures To support my claim, I have included : Copy of my identification ( ID ).

Proof of address.

Copy of my Social Security card.

Highlighted credit report showing discrepancies.

Bank statements demonstrating timely payments. 
Notice of Potential Escalation Failure to address this matter within the timeframe mandated by law will result in additional complaints to regulatory agencies and legal action. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Recently I sent a letter to Central Financial Control asking them to validate a debt that was listed on my credit report. In response, I was sent some documents with my information typed in, with a signature and initial that is not mines. Also, this company seems to have some of my medical records without a medical release form or any type of authorization from me. I believe this violates my privacy according to HIPPA. When I contacted Central Financial Control about my findings, they confirmed that it was not my signature based on a copy of my Driver 's License they received from  XXXX   XXXX   XXXX  ( Original Creditor ). Also, with this proof, Central Financial Control refused to remove it from my credit report, stating that they have no way of doing so unless the account is paid in full. I then contacted  XXXX   XXXX   XXXX  about this debt and was told that they could not assist me because the debt in questioning was sent to collec tions ( Central Financial Control ). I feel that I  am being treated unfairly as well as forced to pay a bill that I had no knowledge of and by pending someone else paperwork and signature of acknowledges on me.