23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ( XXXX bank ) has a auto loan date XXXX/XXXX/XXXX  which is seven years old and should be remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Re-aging an account is a violation of the FCRA ( sec 605 ) XXXX XXXX XXXX, Status Incorrect.
Product: Credit reporting

Inquiries from indentity theft and they refuse to remove with clearly they notice and recognize my situation please help me just the them removed.the company is transunion and XXXX
Product: Credit reporting or other personal consumer reports

I Demand you EXCLUDE the following TRANSACTIONS/EXPERIENCES from OPPLOANS/FINWISE from my consumer report! According to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) EXCLUSIONS-consumer report DOES NOT INCLUDE- ( A ) ( i ) Report containing information solely as to TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT, Also According to 15 USC 1681b-Permissible Purpose of Consumer Report DL for proof of identity ( address getting changed asap on DL ) and proof of address is uploaded so there wont be any reason for stall tactics as these items have been submitted on multiple occasions previously via certified mail
Product: Credit card or prepaid card

On XXXX, XXXX, 2019 my bill did not go through WELLS FARGO HOME MORTGAG - account with 2 missed payments. I am kindly requesting WELLS FARGO HOME MORTGAG to remove these missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
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  Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

ALCOVA Mortgage, LLC XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX I have been working with Alcova mortgage in XXXX since the beginning of XXXX on the purchase of a home. I was prequalified in XXXX and assured on several occasions that I did qualify for that amount. I went under contract in mid XXXX, nothing was done on my file until the end of XXXX. The process ended up being drug out for 60 days and still no clear answer as to why the loan had not closed. During this 60 days of being under contract, I followed up daily, half the time you could n't get in touch with the loan officers and when I did, I was just fed lie after lie, excuse upon excuse. I did n't really know what was going on until almost XXXX60 days in, when they tell me they are having problems getting an approval from the underwriter. Now I have lost my earnest money and money I spent on an appraisal. Never the less the were very nonchalant about the whole matter. Not caring that I lost money, time, missed out on purchasing a home that I loved. A broker referred me to them. Much to my regret
Product: Debt collection

Since XX/XX/XXXX, I have been attempting to dispute the BALANCE with US Bank regarding a credit card debt. They blatantly refuse to investigate the individual charges I have stated are the result of identity theft and fraud since the initial disputes because I verified in XX/XX/XXXX that the ACCOUNT was opened by me and was valid. US Bank then proceeded to block access to the account and statements, and refused for over two years to send me the account statements. Only through a dispute with CFPB in XX/XX/XXXX was US Bank finally forced to send me copies of the statements requested. 

On XX/XX/XXXX, I sent a letter to US Bank detailing the charges I have been attempting to dispute as fraud. The letter was sent via USPS Certified Mail with electronic return receipt. Tracking number XXXX XXXX XXXX XXXX XXXX, received on XX/XX/XXXX and signed receipt by XXXX XXXX. 

As of today, XX/XX/XXXX, US Bank has failed to respond to the dispute. I have received copies of each of the three major credit reports between XX/XX/XXXX and XX/XX/XXXX ; none of the credit reporting agencies have the account listed as " in dispute '' and all three credit reporting agencies state in the dispute results that US Bank verified the debt with them. 

US Bank is in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving of dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. 

Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies.
Product: Credit reporting

I 've been monitoring my credit report online for years. I check my report everyday. On XXXX/XXXX/XXXX, I receive an email stated a new account has been added to my credit report. I check my account and notice the information that is being reported stated that the account was first reported in XXXX XXXX by XXXX XXXX XXXX XXXX Needless to say, this is my first time seeing this account on my report as perviously stated, I check my account everyday. I called and was transferred to different departments. With no solution. I am requesting this account to be deleted because it was not there a week ago or even in XXXX. How was this account verified to be placed on my credit report? Was it deleted then reinserted? Who verified this account? How was the account verified? Is transunion or XXXX XXXX XXXX able to provide me with an orginal contract that I signed with the orginal creditor? I just feel like my rights were violated. I receive a call last week from a lady claiming to work for this company and asking for my mom and stated she needed to deliver some papers to me and then a week later, I get an email about a new account on my credit report. Is this the legal way to verify a debt? Either way, I never received any notification of it. And its bad practice. Like I said before, I check my account every single day and i know what is on my account and this was not there in XXXX. I need to move and its preventing from renting I have a XXXX mth old baby and i have up until the XXXX to move. And has become an issue at this time.
Product: Debt collection

Received a phone call from IC System on  XXXX / XXXX / 2017  at  XXXX  EST.   They said they were calling about a " personal matter '' and asked me to confirm the address they have on file.   I asked them twice to explain what they were calling about, but they refused to provide more details and hung up.   My research indicates they are a debt collection company, but I have no idea what debt they were calling about since they hung up so fast. Now I am worried that my  credit score will get hurt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have checked the review on claim number of CFPB ( XXXX ). Since you required the recent print out of identity theft report from FTC, I will submit to you with this letter. Since it is still under investigation and recovery, I have still an account with FTC after half a year when the report was created ; therefore, I strongly believe I do not have to create a new account and continue to complain almost same matters which I have done for half a year. I do not have any police report, law enforcement report, ID theft affidavit, or a medical note from a physician, since it is better not to relate with them at all, even an XXXX  physician, who makes XXXX  such as XXXX, mistreatment after the car accident and treat different parts of the XXXX, and pulling off my treated XXXX  and claims himself/herself that he/she re-planted. I have already sent to your office, headquarters, the copies of my drivers license and social security numbers ; so please check the past mails if you keep. If you can not find out and really need for the initial fraud alert, please let me know by properly written letter, which I can read without mistake as already reported victim of identity theft, who is an XXXX and suffered by XXXX  XXXX  for years, especially, after the outbreak of the Pandemic along with XXXX due to the world considered the outbreak has started in XXXX. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Are reporting my account delinquent but the account is current and duplicated account
Product: Credit card

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting

The account in dispute is Child support enforcement.This account is delinquent I am not questioning that, but it has been paid every month for 4 years in a row. I sent supporting documentation showing the payment history directly from the creditors website. Since the initial dispute they have continued to make the reporting more and more derogatory. Initially it showed 120 days late but reported the payment history. After the 1st dispute the moved it to 150 days late, after the second dispute they added a note that creditor recently located me and moved it to 180 days late. I have made on time payments for 4 years straight and again uploaded the evidence of this to Experian. This reporting needs to either be corrected to report the accurate reporting of the 4 years payment history and the insinuation that I was just recently located or it needs to be removed altogether. They are in violation of both the FCRA and FACTA. It is obvious that they are on a vendetta because I dared to dispute their inaccurate reporting. Please Help. I did try to upload the payment history on your site but the attach button is not working
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. 
XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX 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 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help.
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Equifax shows XXXX disputed XXXX disputed XXXX disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires
Product: Credit reporting

experian has taken too long with their investigation for XXXX ending in XXXX XXXX ending in XXXX also late payment for XXXX mortgage for XXXX 2015 needs to be marked current for XXXX 2015
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment with the ongoing issue concerning the removal of these fraudulent items from my record, despite these attempts to rectify the situation. In regards of providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the fraudulent items : XXXXXXXX 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: Checking or savings account

I don't know where to begin it doesn't take a lot of perspicacity or ratiocination to realize this bank needs to be sanctioned and whoever is in management should be sitting in jail. Apparently they feel they can take advantage of protected classes and get away with it. 

1. I had two transfers XXXX for XXXX and another for XXXX that just disappeared. No one hear or saw anything I however have a copy in the bank I transferred the funds to that in fact they were in the bank and then illegally taken out but in the form of another deposit. 

2. They made my account negative balance and it is not true. They have charged me a ton of insufficient funds fees to probably to make me look bad and this has decreased my credit score by XXXX points! 

3. Now I log into the account and I see all these charges that I disputed they are back on the statement, the account is gone, so I call and I get a lady that is very friendly and I am on hold for a long period of time as I write this complaint.