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

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX  - Inquiry In Dispute Derogatory Items Derogatory Items : 1 Account Name XXXX XXXX EXPERIAN Issue Action XXXX XXXX - XXXX XXXX XXXX XXXX  Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). 
In Dispute I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist
Product: Debt collection

Notice a change in my credit report from a company trying to collect a debt that is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting for the removal of the fraud items completely from my Credit Report. I, once again, sent a letter to the Credit Bureaus requesting that they remove the disputed fraudulent items from my Credit report. Because of the multiple letters I have been sending to the Credit Bureaus as well as their previous actions, I came to a conclusion that the Credit reporting Agencies will once again, neglect my requests. With all the letters I have been sending, the Credit Bureaus has never been able to respond even once. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

My credit report is negatively affected because the agency XXXX XXXX XXXX failed to warn me that I was owning {$570.00}. I paid off my car loan on XX/XX/XXXX but it wasn't until XXXX of XXXX that the company informed me that I was behind on the said {$570.00} bill. When I settled my account on XX/XX/XXXX, I was assured that my bill with XXXX XXXX XXXX had been fully paid and that there was no balance. 
I paid off my loan with XXXXXXXX XXXX XXXX XXXXXXXX in XXXX but the credit union waited until XX/XX/XXXX to close the account and reported me to the credit bureau. In fact everything on my credit report is wrong and I want it removed.
Product: Credit reporting

I disputed these addresses online and I have not heard anything from Equifax at all. I have faxed in information over and over again. And still they refuse to delete these addresses that are not mine. I only have been at XXXX XXXX XXXX XXXX, XXXX GA XXXX. The other addresses need to be deleted ASAP. Never have been affiliated with them. My drivers license is attached XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Delete this Employment GA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How was XXXX, Experian, or XXXX able to verify this account it is still being reported if the alleged collection agency, XXXX XXXX XXXX, couldn't identify the account to respond to a CFPB complaint?
Product: Debt collection

To Whom it may concern, 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 a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CHRYSLER CAPITAL XXXX XXXX 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 accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, 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 DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit card

There was a non authorized transaction on my credit card ( that had a XXXX balance ). The company, First National Bank of Omaha, allowed for the transaction to take place. While I disputed the charge, the company proceeded to charge me " late fees '' in excess of {$100.00}. I now have a negative outstanding item on my credit report with XXXX. I ask that this be corrected immediately. My consumer rights were violated by multiple institutions and I ask for CFPB 's assistance in making me whole. I ask that the item at XXXX be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that I had an collection on my credit report. Upon looking I noticed that I had fraudulent inquiries and a collection from XXXX opened up in XXXX for XXXX 's XXXX  I also have been trying for over a year for XXXX  to remove XXXX  off of my report. XXXX and XXXX also have accounts that don't belong to me.
Product: Credit card

I purchase a product from Home Depot using their credit card. I received the statement and made the payment of {$15.00}. The money was taken out of my account on XXXX XXXX. The next month I received a bill from Home Depot indicating that I owe them {$17.00}. I thought I called them about this. I received another bill the next month from Home Depot saying I now owe them {$37.00}. I called them yesterday questioning why I owe them when I paid my payment on time. The last day to pay on time was XXXX XXXX. Home Depot say that they did n't credit my account until XXXX XXXX so I was responsible for the late charge. They were willing to waive only XXXX, but say it was their company policy not to waive XXXX late charges in one month. I indicated that there should n't have been a late charge since I made the payment on time and it was taken out of my account in time. I do not believe that I should be responsible for them posting it to my account late and being penalized for it.
Product: Credit reporting or other personal consumer reports

Experian Has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to Furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. these failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence i provided causing an ongoing harm to my credit standing. i am requesting immediate action to remove or amended the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX ( XXXX XXXX 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 an account without my written permissions and instructions.
Product: Credit card or prepaid card

XXXXI have never had an account with this company BANK OF AMERICA XXXX REMOVE from all credit agencies from reporting. 
XXXX.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXX.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are BANK OF AMERICA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) XXXXI am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) XXXX.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

XXXX.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXX.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

XXXX.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) XXXX. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent police and FTC identity theft report to all three credit bureaus detailing identity theft and accounts resulting from identity theft
Product: Credit reporting or other personal consumer reports

Your company is in violation for furnishing inaccurate information to the credit reporting agencies. Account XXXX is showing inconsistent information in the payment history that is reporting. Where XXXX bureau shows 60 days late, another bureau shows that the account was paid on time. Furthermore, there can not be a XXXX late reporting without any prior late payments reporting ; this is a violation of the FCRA. I contacted the credit reporting agencies, and they informed me that your company verified that this account is accurately reporting. How can this be when there are obvious discrepancies? Please see the attached account and remove the erroneous information you are reporting. Please note that this account has been satisfied and I do not owe your company anything. Moving forward I will have no choice but to pursue legal action due to your negligence in reporting. I take my credit very seriously and I should not have to suffer due to your mishaps. I will seek relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Enclosed with this letter is the true bill documenting the violation of the aforementioned account. Please remit payment to the address listed on the invoice and remove the late payments on this account.
Product: Mortgage

I got behind on my mortgage in XX/XX/XXXX, due to Wells Fargo said they did not get a payment that would have kept me out of foreclosure of over {$1400.00} the XXXX county Veterans services had help me with. So the XXXX county Veterans services gave me an affidavit to send to Wells Fargo, and never got a response from that neither. I was only making {$9.00} a hr and paying child. So I lost my job in XX/XX/XXXX, due to workman 's comp. injury. I received unemployment until. XX/XX/XXXX. I haven't got a job yet but am due to start one next week. I had XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX help me with getting a modification. He can tell you all about my situation. His ph number is XXXX. I was told to get a job/decent income to stop foreclosure by him and Wells Fargo. I been having car problems but like I said I start a job next week. Wells Fargo did send me the {$1400.00} back. XX/XX/XXXX. So they did get the money XXXX county Veterans services sent them, but told me and XXXX XXXX They did not get it on time, XXXX County Veterans Services sent it the day before and would have stop foreclosure. Now they telling me my house is sold. I asked XXXX XXXX to ask Wells Fargo for a few more weeks, two weeks ago. But they did not respond back. I did not get the letter about a sale date until this week after it was sold. I lived at this house since XX/XX/XXXX. I was in foreclosure before in XX/XX/XXXX due to divorce. My ex-wife was responsible for the mortgage payment then and I was not living here, she was paying for it over a year but stop paying before she moved back to XXXX XXXX. After the divorce. So Wells Fargo took almost three years to do the remodification then and was told by them not to send no money until it was over. But I was working back then and sent money twice and they spent some back to me. That was in XX/XX/XXXX/XX/XX/XXXX. When they did completed the remodification my Mortgage payment went up from {$290.00} to {$360.00}. per month. I should have reported that back then. I was told that was not right. My question is why they such in a rush to do this remodification now, when it took longer the first time.??
Product: Credit reporting or other personal consumer reports

I sent a notice of dispute to XXXX  on XX/XX/XXXX that I have not received a response to as of XX/XX/XXXX which is past the XXXX  day threshold and a violation of the FCRA. I disputed the inaccurate reporting of a late payment on my consumer report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  alleged that I failed to make the minimum payment of {$25.00} on my credit card. This information is incorrect and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Please see attachment for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter 21 days prior from due date saying I owe such on such date, Account XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX  XXXX XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.
Product: Mortgage

Ocwen loan is reporting to XXXX credit reporting agency I am 120 days late in XXXX XXXX, the house was sold in XXXX and I did not have a open loan with this company, they have not taken it off my credit report which is in direct violation of the Fair Credit Reporting act. They have a closed account stating 120 days late in the status area of their account on my credit file. This is causing us to be unable to fund a new home mortgage. I have filed disputes with XXXX and contacted Ocwen to be told they have to look into this and have 15-30 days, I have supplied copies of the XXXX information and the paperwork they filled 120 days after we sold our home in XXXX with our county tax accessor to prove my claims.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be REMOVED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX 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 or other personal consumer reports

I recently reviewed my credit report and noticed a multitude of inquiries by ( EXPERIAN, XXXX, & XXXX ) which I DID NOT initiate and am requesting removal. 

Experian : XXXX XXXXXXXX XXXX XXXXnquiry XXXX XXXXXXXX XXXX XXXXXXXX XXXX inquiry XXXX. XXXX inquiry XXXXXXXX XXXX XXXX XXXX inquiry XXXX. XXXX XXXX XXXX XXXX inquiry XXXX. XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX inquiry XXXX. XXXX XXXX inquiry XXXX. XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXXXXXX XXXX XXXX inquiry XXXX. XXXX XXXXXXXX XXXX, inquiry XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, inquiry XXXX. XXXX XXXX XXXX XXXX inquiry XXXX. XXXX XXXX, inquiry XXXX. XXXX XXXX XXXX XXXX inquiry XXXX. XXXX XXXX, inquiry XXXX. XXXX XXXX, inquiry XXXX XXXX XXXX XXXX, inquiry XXXX. XXXX XXXX XXXX inquiry XXXXXXXX XXXX XXXX XXXX, inquiry XXXX. XXXX XXXX XXXX, inquiry XXXX. XXXXXXXX XXXX XXXX XXXX inquiry XXXXXXXX XXXX  XXXX XXXX XXXX, inquiry XXXX. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX. XXXXXXXX XXXX XXXXXXXX, inquiry XXXXXXXX XXXX XXXX XXXX XXXX inquiry XXXX. 

XXXX : XXXX XXXX. inquiry XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry XXXX. XXXX XXXX. Inquiry XXXXXXXX XXXX XXXX Inquiry XXXX. XXXX. Inquiry XXXX XXXX XXXX XXXX inquiry XXXX. XXXX XXXX inquiry XXXX. XXXX XXXX inquiry XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XX/XX/XXXX a purchase was made at Kay Jewelers. No one told me that if I didn't pay off my balance by the end of a 12 month promotion I would be charged full interest no matter how much I paid down. It was misleading and they maliciously held back information from a consumer. The information was not available to me until after I made the purchase. The agent on the phone stated that I was on 12 months deferred interested for that payment I made but not on the one in XXXX of XXXX. Doesn't make sense. 12 months is 12 months.
Product: Credit reporting or other personal consumer reports

According to 15 US Code 1681b Permissible purpose of consumer credit reports ( a ) In general # Permission in writing : Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of the court having jurisdiction yo the issuesuch a order, a subpoena issued in connection with proceedings before a federal grand jury or a subpoena issued in accordance with section 5318 of title 31or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.