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

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor name : XXXXXXXX XXXX Date of charge-off/closed : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies must ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$91.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX XXXX {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$690.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the peak of XXXX, while I was in the hospital, I had fallen behind on payments with Comenity bank. I made a payment to get caught up. What I was never told was that my card had already been cancelled. My card had expired and I called to order a new one, I was told my account was no longer active. 

I have also pointed out to them that they are reporting my account incorrectly, and therefore, should be removed per FCRA regulations. On the attachments, you will see that Comenity Bank actually removed all positive payment history except for the two months in the middle of COVID. You will also notice I went from no payment history, to 90 days late in XXXX XXXX, to 60 days late in XXXX. 

The removal of positive payment history and only showing negative payments are not helping. Also, you can not go from not late to 90 days late. Furthermore, the deception I received when paying the card caused my date of first delinquency to get reset. 

At one point, Comenity was also reporting negative payments, collections at the same time as XXXX, which is also a FCRA violation. 

Finally, XXXX XXXX, whom Comenity sold my debt to during COVID, I have a payment agreement in place with, and I will be done with that arrangement in XXXX ( Just a payment due this month and XXXX left ). 

With all of this information, I would request that Comenity remove this tradeline from reporting agencies due to the numerous factors listed above.
Product: Checking or savings account

Wells Fargo says bank account closed due to negative balances. No record showing any reason for account closures with no knowledge of negative balances. Wells Fargo will not send me prior statements showing account balance information. This is currently causing an issue opening a new account at any other bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One - An application was open for a credit card, which i did not do. 

XXXX  XXXX ( Credit card ) - all personal account information on account was changes. received another notice of an authorized user was approved on this account. Criminal also made purchases prior to me closing out the account XXXX  - all personal account information was changed, and new card issued out to address, which I did not do. 

XXXX XXXX  ( Credit card ) - all personal account information was changed, and new card issued out to address, which I did not do.
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 USC 1681.

has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

During XXXX, I submitted a loan medication request via the HARP program to my mortgage services, Seterus Inc in order to prevent going into foreclosure. Seterus constantly sent me letters requesting the same information after I would fax the documents or mail for over XXXX months. During XXXX XXXX, I told Seterus to go XXXX because I could no longer play their document games, saying they never received my entire package. As a result of illness, car mechanical problems, and being out of work which caused decrease in my salary, I was unable to pay my mortgage from XXXX XXXX to XXXX XXXX. I sent Seterus during XXXX XXXX, a letter indicating I can start repaying my monthly mortgage : principal & interest by XXXX or XXXX XXXX after I completed paying off another debt. Since I pay my property taxes and home owners insurance, I also questioned in my why Seterus sent me a monthly statement saying I had an escrow shortage due to an outstanding property tax balance of {$67.00} for XXXX when I do not have any outstanding payments for taxes or insurance. I paid principal and interest to Seterus on XXXX XXXX and they accepted that payment. I sent them XXXX XXXX and they returned my payment. I called Seterus and told payment not accepted because they are foreclosing on my home. Ever since XXXX XXXX XXXX had stolen my escrow surplus for over {$3000.00} and transferred my mortgage loan to XXXX/Seterus, this company had given me XXXX and had been threatening me with foreclosure, constantly used to call my job leaving my social security number with other people at my job, and was charging me late fees for money they said I owed XXXX, but they could not assist me to get my escrow surplus from XXXX, and I would receive unknown fees I was not made aware of or late fees for months when I paid my mortgage prior to the grace period due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX provided by XXXX XXXX. But, not reflected on my account by the three bureaus. 

XXXX XXXX XXXX account manipulated and inaccurate with out proper verification based upon FTC guide line. Proof attached. 

Treasury account also updated and not reflected on my credit bureaus credit profile.
Product: Vehicle loan or lease

Account was opened XX/XX/2017 only missed 1 payment due to job loss spoke with them I tried to make a payment arrangement they refused to work with me after 1 missed payment they repossessed my car then sold it and put a balance of {$3500.00} on my credit after the account was already closed
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address a matter of significant concern regarding the repeated attempts made to rectify the late open accounts associated with my account. 

Despite my prior communications and efforts to resolve this issue, I regret to inform you that the situation remains unresolved. It is distressing to note that despite our previous discussions and agreements, the matter continues to persist, causing undue inconvenience and frustration. 

Despite these efforts, I am disappointed to report that the issue has not been effectively addressed, and I continue to face challenges due to the unresolved late open accounts. 

I expect a prompt response detailing the steps that will be taken to address this matter effectively. Additionally, I request assurance that such issues will not recur in the future. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$38.00} ; XXXX  XXXX Balance : {$67.00}.
Product: Credit reporting 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 USC 1681. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX and XXXX XXXX has violated my rights . 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

On today XXXX/XXXX/2016 I applied for credit and was denied due to " no credit file available ''. I was told by the company that I applied credit from that Equifax is reporting I have no file available. I am once again being tormented by Equifax. This is yet again another ongoing issue that has not been unresolved. Please have Equifax to make my report available to creditors who are requesting a copy of my report with my consent.
Product: Credit reporting or other personal consumer reports

I have had this car loan since XX/XX/2020 and have paid every single monthly payment to XXXX XXXX XXXX. 
XXXX XXXX XXXX refuses to report to all 3 credit bureaus my monthly payments, see attached and is in violation of FCRA. 
They do not care to be legally complaint is a FACT.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

1 ) i notified XXXX that on XXXX, XXXX 2016 i sent XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA 807 ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by equifax has not removed the report i sent XXXX more letter to XXXX XXXX XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that equifax remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.
Product: Mortgage

My mortgage was originally with XXXX and was eventually taken over by XXXX XXXX XXXX. XXXX XXXX XXXX would allow me to cancel my PMI and not charge me for an appraisal when the loan to value qualified to remove the PMI. Nationstar bought my mortgage without my approval and they are requiring I may {$450.00} for an appraisal to remove the PMI. I think this is a racket and should be illegal to change the terms of the servicing of my loan!
Product: Debt collection

A debt collection was applied to my credit report and I have repeatedly asked for a breakdown of the charges. All I get is rude customer service. This debt is not mine its from fraud.
Product: Debt collection

This company agreed to remove the account from my credit report after it was paid because they did not properly notify me and did not give me a chance to dispute/verify the debt, I didn't receive any written notification that they were trying to collect the debt because the address and phone number they had on file was not accurate. After I made the payment they stated that they never agreed to remove the account from my credit report. I am trying to purchase a home and this negative account has hurt my credit score and I can't qualify for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last attempt to remove inaccurate information to Experian was on XX/XX/2019. One of the addresses on my report of XXXX XXXX XXXX is a location I have never lived at in my life and they will not remove it. It says that a creditor sent information to that address but I never gave it out because I never lived there. And I am not sure who lives at that address. Also the letter included a past address of XXXX XXXX XXXX which I asked to be removed as I have updated my current address with Experian. I have applications pending where my credit will be accessed and it makes my credit file appear scattered as far as the addresses goes. I have been trying for over a year now to get the inaccurate information removed.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 a account without my written instructions XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card or prepaid card

Dear CFPB, XX/XX/2020 My Barclay Card ending was stolen and the thief is making numerous expensive charges on the card. I have attempted all day to report the card stolen to the company but they do not answer the phones. 

1. I initially went to my account online to report it stolen with fraudulent charges. Unfortunately, there is nothing online to report it, only a number. 

2. I called their advertised number for stolen cards at XXXX XXXX MDT and waited on hold for 20 minutes. No one answered. 

3. I called other customer service numbers listed and waited similar times with no answer. 

4. I called again to report the card stolen and to report fraudulent charges at XXXX XXXX MDT and waited for 2 hours and 1 minute on hold. 

Barclaycard is placing an impossible burden on its customers to report stolen cards and have fraudulent charges removed. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the collection account reported by XXXX on my credit report. Under the provisions of the Gramm-Leach-Bliley Act ( 15 USC 6802 ), financial institutions and debt XXXX are required to maintain strict standards for safeguarding personal information and ensuring accuracy when reporting to credit bureaus. XXXX has failed to demonstrate sufficient proof of both the legitimacy and accuracy of this debt, and I believe that the collection account is being reported in violation of these protections. 
As per XXXX XXXX XXXX, any entity that reports or transmits consumer data is bound to follow appropriate procedures for ensuring the accuracy of such information. Given that XXXX has not provided verifiable documentation or clear evidence of this debt being valid, I am requesting that this item be removed from my credit report due to the lack of sufficient proof supporting its accuracy and legitimacy. 
Please conduct a thorough investigation and remove this collection account from my credit file, as it appears to be in violation of federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My complaint is with Experian credit reporting agency. I have been requesting that the stop CHARGING my account each and every month. This has gone on for over a half a year. A guy named XXXX never cancels it but rather always asks me for my credit card number. I have made it abundantly clear that I should not have to give my information to cancel my membership. I tried to go onto the website to remove my card but, they wont remove an existing card UNLESS you put a new card first. This is unscrupulous behavior on the part of Experian. I have had with this bureau. They also lowered my score 16 points for NO reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX. XXXX XXXX XXXX XXXX. XXXX ASSOCIATES XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Unsworn declarations under penalty of perjury
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS TREATING ME FOE THE FIRST TIME HORRIBLE IM A IDENTITY THEFT VICTIM THEY HAVE MY POLICE REPORT ON MY FILE AND EXTENDED FRAUD ALERT ON MY FILE AND NOE THEY BLOCKED A FRAUDELENT ACCOUNT FROM APPEARING ON MY REPORT AND ITS BACK I CALLED THEM THEY REFUSE TO HELP ME AND TELL ME TO CONTACT THE COMPANY WHICH I DID BUT THEY REFUSE TO HELP ME RECOVER THEY HAVE REINSERTED AN ACCOUNT FROM 2015 WHICH I DID NOT APPLY FOR THEY TELL ME TO DEAL WITH EXPERIAN AND THEIR IS NOTHING I CAN DO THIS IS RIDICULOUS I FEEL DISCRIMINATED AGAINST BY EXPERIAN
Product: Debt collection

Found this on my credit report!! 

I have not had a XXXX account since XXXX! Last I had a XXXX account it was settled completely after removing service! This is hurting my credit ... please help me mkae it go away Derogatory marks View all accounts COLLECTIONS Southwest Credit Sys Opened XX/XX/XXXX {$220.00} Original creditor : XXXX Overview You have 100 % left to pay on this collection. 

Balance {$220.00} Highest Balance {$220.00} Opened XXXX XXXX, XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX See an error? 
You could dispute an error with XXXX. 

GO TO XXXXXXXX XXXX XXXX SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for Capital One Bank USA which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Home Equity was modified under XXXX ... CHASE HAS NOT UPDATED SYSTEM AND KEEPS CALLING SAYING THE LOAN IS IN ARREARS ... .SPOKE TO THEM TRYING TO CORRECT AND TO NO SATIFACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report. 

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX