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

To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this company to update the correct information for over a year and I have had to put in multiple complaints to the company, the collections agency, and the CFPB to have the account correctly updated. I am not sure why they have reported me late months after I have already settled the account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- debt does not belong to me/ no contract- XXXX XXXX.- debt does not belong to me/no contract XXXX XXXX was removed and replaced back on my credit without a notice. The orignal was XXXX XXXX and the account does not belong to me XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX XXXX- debt does not belong to me XXXX XXXX XXXX- not my debt/ was removed from equifax and XXXX- 'XXXX  FOLLOW SUIT WITH REMOVE ASAP '
Product: Mortgage

I have had many issues with Ocwen applying charges to my mortgage. The most recent one is from XX/XX/2016 they stated that they paid my utilities. All utilities have been paid by me and have proof of statements that have been mailed to me and payed by me. This is not the first time that Ocwen has charged me for utilities that were paid on my behalf to the utility company. I have called XXXX and both have stated that statements get mailed to me not the mortgage company. Previously I have double paid these bills to Ocwen because they offer no additional information.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I request all inaccurate information be removed from all three consumer reporting agencies. This includes late payments/ collections/ or any derogatory remarks be removed untill a XXXX investigation is conducted. In my files I will include the identity theft report, plus my identification of proof of who I am.
Product: Credit card or prepaid card

Interest rate increases to 29.99 %. Called to have lowered was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have nor have I ever had a XXXX XXXX account or credit card. 
Yet shows up a delinquient on my credit report. 
How do I rectify this issue?
Product: Credit card

Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. I'm unsure of the reasons behind the late payment remarks reported on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be applied.
Product: Consumer Loan

I leased a vehicle from GMAC, which was assigned to Ally Financial! The agent of Ally, XXXX XXXX engaged in fraud at the time of the execution of the lease. The vehicle was paid off timely, returned, and there was some physical damage, covered in full my automobile insurance company, the XXXX XXXX of Michigan. Based on all the actions at the inception of the lease, and Ally 's failure to properly give me the required notices at the end of the lease, and the fact that my insurance company paid Ally all monies for any physical damage, I owe Ally no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation to all 3 credit bureaus on XXXX XXXX XXXX, bureaus did not respond within the 30 days granted by law and all listed accounts are in direct violation of the law. 15 U.S.C. 1681 section 604 STATES THAT Consumer Reporting Agencies such as XXXX, Equifax and XXXX can not furnish and account without my written permission. 15 U.S.C. 1681 section 602 States that I have the RIGHT TO PRIVACY. A consumer report means any written or oral communication bearing a consumers credit worthiness. A consumer report excludes or does not include transactions or experiences soley based on information between the consumer and the person making the report. The accounts listed below are fraudulent and should be removed immediately. The bureaus have not responded in the time allowed by law and they are blatantly breaking the laws set forth. 

XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Ref # XXXX all credit inquiries should be removed because I haven't applied for any new credit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Account Date of service XX/XX/XXXX reflecting on TransUnion consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to TransUnion to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact TransUnion to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from TransUnion stating that there was no credit history report found and to provide further information to XXXX address that is not listed XXXX XXXX report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance. There is also an account that has been PIF and is reporting to my CBR 5 TIMES which I have the EOB from insurance company that this ambulance and hospital bill is in fact PIF
Product: Credit reporting or other personal consumer reports

In exprian credit report I never ever seen that XXXX XXXX XXXX XXXX. Pls tell them I need evidence about this personal loan document n other XXXX XXXX  company also too.when i lost my text file important document book XXXX.after that to still im facing problem one after another.and many address, name, job I found in my exprian credit report account that I don't know. I beg to managment release from this issues n take action as soon as possible. Thanks
Product: Credit reporting or other personal consumer reports

In XXXX, " XXXX XXXX XXXX XXXX XX/XX/XXXX '' appeared on my Experian and XXXX consumer credit reports. I have never signed any contracts or agreements with this company. They allege I owe a debt of {$1300.00}, which I attempted to validate and verify. I received no correspondence back from said company. In XX/XX/XXXX, I attempted twice to correct my reports and remove this account from my consume file. Both times XXXX and Experian claimed the debt was valid and kept the account on my reports, and failed to ever provide any material evidence of the investigation they supposedly performed. It is my assertion that absolutely no formal investigation was actually performed. Both agencies continue to stall my dispute processes by alleging that I did not send the proper documents necessary, which is an outright lie. I carefully assembled and sent via Certified US Mail my FTC ID Theft report, Dispute Letter, Identification, Social Security Card, and Proof of Address. Both Times XXXX and Experian falsely claimed they never received this information. XXXX also failed to enter a legally required Notice of Dispute, Mandatory under 15 USC 1681i ( 2 ) ( a ). I demand this willful non-compliance stop and the account be deleted from my reports Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX Balance : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is still listing accounts that I am no longer responsible for
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. the accounts are misleading and needed verification immediately. Please check the payment history, date open, last activity, and Status of the accounts ' XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} and XXXX XXXXXXXX XXXX  XXXX Balance : {$6400.00} I believe it was reported erroneously.
Product: Debt collection

On approximately XX/XX/XXXX ( and many times thereafter ), I had my credit reviewed by the VA home loan center. During the initial credit check, the collection account for XXXX through CONVERGENT OUTSOURCING was not listed. Furthermore, there was no indication of a past due balance owed to XXXX at any point until today XX/XX/XXXX. This debt collection agency purchased a 7-year-old debt for pennies on the dollar and is attempting to collect an inflated amount. Not only has the statute of limitations ran its course for this account, but it is currently listed as 'charge-off/ uncollectible ' with XXXX  How despicable does this agency have to be to firstly, fail in providing us a payment option if it were still collectible and secondly, failing to provide sufficient notice prior to this account being placed on my credit? Ultimately, they are hindering a home loan approval with their egregious attempt to collect on an already 'charged-off ' account. After speaking with and being transferred to several agents of theirs, we were met with uncaring associates and no options but to pay the {$330.00}. After explaining the proof of the legal timeline for this old account, the agents said they can only go by the dates they obtained it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called One Main is furnishing incorrect and incomplete information on an account on my credit reports. I have made several attempts to have these items corrected. I have sent letters containing print outs of how the accounts are showing on my XXXX, XXXX XXXX and XXXX  credit reports with marking to indicate what needed to be corrected. The company 's inability to fix these errors in their reporting is causing me financial harm. 

Under the Fair Credit Reporting Act ( FCRA ) I have the right to have a 100 % complete and accurate credit report. XXXX XXXX is violating my consumer rights. 

I am attaching my most recent correspondence. As prescribed in the FCRA, I initiated contact with One Main through the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a vehicle that was purchased under the company credit not my personal credit it should be moved to XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I first obtained this credit card in approximately XXXX, as a XXXX XXXX branded credit card. I do not recall the bank who serviced the card at that time. I obtained the card because it was marketed as a FIXED RATE 9.99 % card. The marketing promised that this rate would not change. And for the last thirteen years it has not. Other than occasional 0 % balance transfer promotions, I have been paying 9.99 % APR since the inception of the card. On my XXXX bill, I noticed that the rate has been raised to 10.24 %, for no apparent reason. When I inquired about this, I was told that the federal funds rate increased on XXXX XXXX, XXXX, and so, in turn, did my rate. But this makes no sense. At the time I obtained the card, the fed funds rate was XXXX higher than it is now. So, why then over the last eight years when the fed funds rate was XXXX have I not been paying less? The card was specifically marketed as having a fixed rate for the life of the card. When I pressed the issue the agent said she could not help me and directed me to call " retention services, '' which is, as I understand it, their sales unit. Why on earth would I buy a new product ( and allow a new hard inquiry on my report ) from a company that is behaving in such an underhanded way?
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below. 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
Product: Credit reporting

I was offered a position with XXXX who ran a background check on me through XXXX XXXX. XXXX HR Dept. contacted me and said there was an Issue with my background check that I owed XXXX {$5300.00} for a past due account on a short sale and that I need to clarify. I had a short sale with XXXX which closed XXXX 2011 with no recourse of monies owed. They are also reporting 2-30 late, 1-60 day late and -1-90 day late. These are incorrect as well I did have a couple of late payments due to the fact that I was informed by them that in order to qualify for a short sale I had to be in errors in order to proceed. So they effected my credit even though I was willing to make the payments on time to keep the short sale damage to my credit at a minimum. They said there was no way around it! I would have had 1-30 day late on my report but they kept dragging out the short sale which all it did was hinder me more all the time affecting my credit. I need this rectified as I have been unemployed for 9 months with my unemployment running out this would not be a good thing for a XXXX XXXX XXXX trying to find work. Please look into this as time is of the essence. I would appreciate any help you may be able to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a mortgage for a house and one of the things they told me to do was pay off one of my collections to boost my credit score. So on XX/XX/19 I called Capio Partners and paid off the settlement amount, then my mortgage company told me that I needed to get a letter of deletion from them so I called them back again and asked them for one and they said they would be sending one out and will send one via email as well. I received the email but all it said in there, that the account and been paid in full and  would be reported to the credit bureaus ( not a letter of deletion ) so I called back again and this time they told me that I did not request a deletion and they gave me a number to call for customer service, which I did multiple times and I left a voice mail and never got an answer back. So I called back the regular number again and and told them I needed a letter of deletion and they told me in a not so professional manner that it was being reported to the credit agencies and then hung up.
Product: Debt collection

i paid my monthly bill but navy federal reported my account as late its a pandemic i dont know why they will do that its in violation of the Covid -19m forbearance
Product: Checking or savings account

When arriving to the hotel, I spoke to the receptionist at the front desk, they did not accept cash, so I went to the bank and deposit {$80.00}, after coming back from the bank the reception said that my card declined. I said how's Is that I just deposited the money So I checked my online account. And there was a charge from XXXX XXXX XXXX. I confronted the reception at the front desk about it. Because I did not receive any keys for the room or anything like that, she said they will have to charge my account again I said there are charges on my account I did not stay there that night, She got a attitude with me. and said that she did not charge my account that it was just a hold. the police was called because they said they would they couldn't not issue a refund at that particular moment or time is what the police at I checked with the bank the bank still have not received my funds. Or posted a credit to my account. 
I called the hotel corporate office and spoke to somebody about the situation How they charge my account, but did not rent me out the room, and they apologize And said that they were sending my refund.
Product: Credit reporting

I have TWO hard credit inquiries on the SAME DATE from the SAME lender organization XXXX XXXX, 2015 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me, and I did not authorize anyone to use my account. Please remove this inaccurate account from my credit report. I have attached the necessary documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started montering my credit and I notice accounts on my credit profile that I have never been made aware of until now. My information was compromised due to Equifax 's data breach and I would like these accounts removed from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I had simultaneous unauthorized charges on three credit cards, and CITIBANK card was among them. Two banks set the red flags right away and blocked the transactions after getting my " No pay '' responses. CITIBANK ignored the fraud, so I was made aware of the fraud on around XX/XX/XXXX from the bank statement I got. I immediately called the CITIBANK Security department and notified them about the unrecognized transaction of {$4500.00} to some XXXX XXXX restaurant in XXXX. A thorough exploring of my credit report showed that CITIBANK knew about the fraud since they made an inquiry with XXXX on XX/XX/2018, a few days before I got the statement. So, the bank did not notify me of the suspicious activity on my account but started botching my credit score. Also, the CITIBANK initially credited my account with the above-mentioned amount on XX/XX/XXXX but reversed it the next day. In my chat session, the agent XXXX stated that this unauthorized transaction was NOT my responsibility ( I have a transcript ) but the bank further pursuit the idea that the credit card embedded chip was activated but have not submitted any evidence of this like a copy of the receipt and the alleged restaurant address. CITIBANK has spoiled my credit score due to improper operation of their Security department. 
Beside that CITIBANK stated that the problem has been resolved, which is not so, and thus mystified the Federal Trade Commission, which informed me on that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account on my report that I've never applied for or received service so its fraud. My name is also spelled incorrectly on my equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im complaint about Experian for having inaccurate information on my credit report I sent XXXX letters to Experian to remove the inaccurate information from my credit report and Experian ignored my disputes and Experian dont want to send me the reports of my disputes or to remove the inaccurate information from my credit report I request to Experian to remove the inaccurate names and addresses form my credit report and Experian is violating the law This XXXX XXXX XXXX company dont want to remove any of the inaccurate information from my credit report they have an inaccurate addresses on my credit report I sent prove and documents of my addresses and even like that they are violating the law ignoring my disputes this abusers of Experian Im tired of sending disputes to this XXXX 
and Experian is saying that this inaccurate information is accurate lying and violating the law I sent my ID and bills with prove of my personal information and this XXXX dont wan to do anything about it Stop XXXX  my credit All this information is inaccurate must be remove it How many XXXX XXXX I have to dispute and dispute my legal right XXXX
Product: Debt collection

I received a letter from XXXX XXXX at Second Alliance , IncXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX stating that I owed a debt from a XXXX I have never attended called XXXXXXXX XXXX XXXX XXXX I have never even lived on the XXXX XXXX, nor have I attended XXXX in general since XXXX XXXX XXXXs. The letter threatens to put this false collection onto my credit report.