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

I am filing this complaint regarding inaccuracies on my credit report related to the XXXX XXXX auto loan account. Upon reviewing my credit report from XXXX, Experian, and XXXX, I discovered several discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and have caused me undue harm. 

Inconsistent Reporting Across Credit Bureaus The XXXX XXXX  account shows conflicting information about the Date of Last Activity across the XXXX credit bureaus : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These discrepancies indicate a failure to report accurate and consistent information, violating FCRA Section 607 ( b ), which mandates that credit bureaus must ensure maximum possible accuracy in reporting. 

Failure to Properly Update Disputed Accounts The XXXX XXXX  account is marked as " Dispute resolved; customer disagrees '' on Experian and " Consumer disputes after resolution '' on XXXX. However, the dispute status is not accurately reflected across all bureaus.

Under FCRA Section 611 ( a ) ( 5 ) ( B ), when an account is disputed, it must be clearly marked as disputed until the investigation is fully resolved. The failure to do so is a violation of this section. 

Incomplete Information Regarding Original Creditor The XXXX XXXX  account lacks essential details about the original creditor, which is a violation of FCRA Section 609 ( a ) ( 1 ). Consumers have the right to receive complete and transparent information, which is not reflected in the report. 

Improper Reporting of Payment History The last payment date on the XXXX XXXX  account is listed as XX/XX/XXXX on both XXXX and Experian, yet the account remains open with balances reported well beyond that date. This suggests inaccurate reporting and failure to update the account properly, which violates FCRA Section 623 ( a ), requiring furnishers to report accurate information. 

Requested Resolution : Given these significant inaccuracies and violations of the FCRA, I request that the XXXX XXXX  account ( Account Number : XXXX ) be deleted from my credit report. These errors have harmed my creditworthiness, and I believe the account does not accurately reflect my credit history. 

I kindly ask that you investigate these issues and take immediate action to correct my credit report. Please notify me of the actions you take in response to this complaint. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I cantacted XXXX XXXX XXXX XX/XX/year>, in regards to a collection account reported to the credit reporting agencies. The collection account balance is paid in full, but the account is showing active on my credit reports. 

I called XXXX XXXX XXXX and requested that the collection account information be removed from the credit reporting agencies due to the account has a XXXX balance. 

I was advised by the suppervisor that XXXX XXXX XXXX will not or they do not removed negative information from consumers credit reports even if the account balance is paid in full and have a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM IDENTIFICATION THEFT. I HAVE FILED A FTC REPORT AS WELL AS WITH OTHER LAW ENFORCEMENT AGENCIES TO REMOVE THIS INFORMATION PURSUANT TO THE FCRA 1681- C2
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 not furnish an account without my written instructions.

Experian Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Experian is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mine nor do I even know what it is
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

I filed Chapter XXXX Bankruptcy in XXXX of XXXX. I did not reaffirm my mortgage loan in the event I would not be able to pay the loan I would not be held liable and the only collection they could perform would be to reposes the home and could not file a default judgement against me due to no reaffirmation of the loan when filed Chapter XXXX bankruptcy. Now the 4th Mortgage company is filing a judgement against me with the courts for {$60000.00}. They are not allowed to file this judgement as I understood due to the Chapter XXXX Bankruptcy we filed in XXXX. I had to spend {$500.00} on a retainer fee because they have filed judgement against me when the law clearly stats if filed Chapter XXXX and no reaffirmation on the mortgage that they can't come after me personally but Shellpoint Mortgage has filed a judgement against me XX/XX/XXXX. We have not paid the mortgage since XX/XX/XXXX and they have passed it down from one mortgage company to another each time the new company files a judgement against me. This judgement was dismissed by the courts in XXXX of XXXX. Each month we receive a notice from Shellpoint Mortgage that we are not responsible for loan payment due to Chapter XXXX and no reaffirmation of the loan. PLEASE help us to STOP this illegal action!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The account on my credit report states : Date opened XX/XX/XXXX - Acc # XXXX  I spoke with XXXX business office, I was advised to strictly pay XXXX online then they would call across the street to have the obligation fee waived, I did exactly as advised. The total amount of the class was {$390.00}. ( PAID ) the total amount with the collection fee {$500.00}. I withdrew from the class on XX/XX/XXXX, I was charged for the full class amount XXXX because I withdrew a few hours past the deadline of XXXX, I withdrew at XXXX. I was unaware of the XXXX  deadline. The bill from XXXX was mailed onXX/XX/XXXX Attached receipt to XXXX  online was on XX/XX/XXXX to prevent going to collections. Then General Revenues mailed the letter of collection 4 days later. I have attached all receipts of payments. No balance owed, I even paid the collection fee trying everything I could to have them please remove collection account.
Product: Debt collection

i am receiving calls of threatening nature and being harassed repeatedly and continously by 'Allied ' saying my safety is being at risked.. i have no idea who or why and the phone calls come at all times of day and night.. i am a XXXX senior citizen. 
the calls come from out of country call centers...
Product: Credit reporting

I have an account listed on my credit profile that is not accurate. I have contacted the company that is listed which has stated that they informed all Credit Reporting Agencies to remove this item & they have not verified this account as reporting correctly to Equifax. I have sent Equifax numerous letters to remove this account & they continue to report false information on my credit report. All of the other Credit Reporting Agencies have removed this account except Equifax, who continues to break the law by reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am making this complaint on my own without a credit repair company or any other third party services. Please see attached documents for more info.
Product: Debt collection

I submitted a request to have the following information removed due to theft. 
The following accounts are listed 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and XXXX of 2017. I was never late.
Product: Credit reporting or other personal consumer reports

I ask this company to provide me with a credit report showing bankruptcy in my name from the clerk of courts because I have documentation directly from the clerk of court saying otherwise. I have information that this bankruptcy is reporting inaccurate and it had to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information presented to me about my credit score by  XXXX   XXXX  Sales Consultant,  XXXX   XXXX ,  XXXX   XXXX   MD.    Indicated my score was  XXXX . He said, '' It is almost  XXXX  that is pretty good. I accepted that the information was correct.   I subsequently pulled my credit report from all  XXXX  reporting agencies. All scores were above  XXXX ,  XXXX  was  XXXX .   I called to complain to  XXXX   XXXX   XXXX  about the disparity in the reporting to me about my score and credit rating. They insisted that the score they got was from Equifax. My score on the report I received from Equifax was  XXXX .
Product: Mortgage

Sierra Pacific Mortgage Company sent at least XXXX closing disclosures all said the Points to buy down the loan would be {$2600.00} at first then {$2900.00}, however on the day we closed the loan it was {$5700.00} plus a commitment fee of {$790.00} and a processing fee of {$750.00} for a loan amount of {$110000.00} They also asked us to send copies of bank statements with full account numbers to them via email, asked us to send the same documents several times that we had already sent, asked for many new items on the last few weeks of the loan closing, & even asked for more documents after it closed. They took over 2 months to give us the loan asking for things in bits and pieces instead of a list at the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report. I am writing in regards to an issue with my credit file. I have noticed that account active that I DIDNT AUTHORIZE. has reported to the bureaus that RESULTED IN CHARGE OFFS. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history or other instrument bearing my signature. 

I disputed these inaccurate items over XXXX XXXXays ago. Only verification of late payment were made not proof of this alleged item or my signature on documents for each account. 

Never opened a XXXX XXXX and have XXXX accounts NOW. Verification of these signature on documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would like the same. Verification of these signature on documents XXXX XXXX  XXXX 15 u.s.c 1681 section 602A 15 u.s.c 1681 section 604A section 2
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

I was not informed about the debt collection from XXXX XXXX, as they sent the notice to an incorrect address instead of my current one. As soon as I became aware of the collection on my account, I settled it in full, and it now reflects a balance of {$0.00}, indicating it's fully paid. Given that I was not notified at the right address about the debt, I request that this be completely removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE  LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not deleting files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX  XXXX Balance Owed {$0.00} XXXX Bankruptcy Court XXXX  XXXX Bankruptcy Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been misrepresenting me and advertising false information on my Consumer Report. I came to know about these alleged transactions on XX/XX/XXXX. Due to these inaccuracies, my right to extend credit has been damaged to a great extent this has adversely caused injury to my family and my livelihood. I have been abused discriminated against embarrassed and refused several transactions. I have put this company on notice and gave them a chance to correct my consumer report. I need them to protect my right to privacy and uphold their grave responsibility concerning the respect for my consent. I did not give this company consent to advertise my non public information I demand these inquiries be deleted immediately ; XXXX XXXX XXXX XXXX  and ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX  ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXX XXXX DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXX XXXX  DATE XX/XX/XXXX
Product: Credit card or prepaid card

My wife and I purchased a dishwasher in-store and it was to be delivered in 7-10 days. About a week later, Sears called and said the dishwasher that I ordered was not in stock. They said they were going to cancel the order unless I wanted to wait 3-4 weeks for it to be ordered and shipped to the store. I needed it ASAP so they canceled the order and refunded me the money of the dishwasher and delivery fee 100 %. 

However, they charged me a {$140.00} restocking fee. They did not have the product in-stock to be able to restock it. I really wanted the dishwasher, which is why I bought it, but they ultimately did not have it. 

Also, they had me sign-up for the Sears Shop Your Way Mastercard to get a discount. So I did. After they refunded me the money, I received a credit card statement with the {$140.00} charge. I disputed that with Mastercard. A couple of months later I found out that they sided with Sears on the restocking fee. No notification had been sent to be, it was only when I contacted Mastercard again. So I opened another case. 

I had a XXXX credit score, but due to a missed payment ( my only one ever ) for this purchase with Mastercard, my score dropped 110 points for something that I am not responsible for. 

They then said to call Sears, which I have probably done 50 times and they just keep passing me off. Then they said to go into the store which I purchased, which was closed for 3 months due to the pandemic. When they finally opened, they had no information on my order. 

My wife finally spoke to someone on the phone that was able to find my order information and original receipt and they said that I signed saying that there would be a restocking fee if canceled. 

Again ... .I DID NOT cancel. Sears canceled because they could not produce the dishwasher that I had purchased in the store.
Product: Credit reporting

XXXX CA. XXXX XX/XX/XXXX 1. XXXX IN XXXX 2. XXXX MI XXXX 3. XXXX PA XXXX 4. Copy : ( 1 ) XXXX ( 2 ) XXXX ( 3 ) XXXX RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to zero balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of XXXX XXXX EQUIFAX and XXXX as per the statement of account attached to stop the fraudulent business practice of XXXX , XXXX. 
c. I am requesting from XXXX ( 2 ) EQUIFAX ( 3 ) XXXX that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.
Product: Mortgage

Home was placed under contract and closing date set for XX/XX/17. Attorney 's office started contacting Bayview on XX/XX/17 to request payoff statement. Multiple requests were made by both attorney 's office and mortgage holder via fax and phone for payoff statement. One payoff was sent but it was dated in XX/XX/XXXX, so it was unusable. As of XX/XX/17 payoff has still not been received, closing is on hold indefinitely and two families lives are on hold, all due to Bayview 's unwillingness and inability to provide a simple document.
Product: Vehicle loan or lease

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 60 days in XXXX XXXX, 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXX, and 60 days in XX/XX/XXXX.