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

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX Bureau Name : Transunion Bureau Address : Transunion Consumer Solutions XXXX XXXX XXXX, XXXX, PA XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Sir/Madam , I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXXXXXX XXXX  I request that you reinvestigate the completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S. Code 1681e ( b ), I request that you ensure all procedures followed to include this information are reasonable and guarantee maximum accuracy. 
I appreciate your time and consideration in this matter and look forward to receiving a positive response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didint quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to encore the correction and deletion of these items.
Product: Credit reporting or other personal consumer reports

Upon attempt to pull credit report from Equifax, a technical error is received. It states to contact Equifax and provide the code XXXX XXXX XXXX'. After addressing this with Equifax, and providing data they requested, my credit report is still blank and can not be pulled for lending requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information regarding my XXXX XXXXXXXX account beginning with XXXX. There were fraudulent charges on this account and this account is involved in litigation. they are reporting inaccurate information and also sold this account to XXXX XXXX XXXX. THEY are reporting twice which is illegal this account need to be removed from my credit report.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with the company and allowed them ample amount of time and they have have failed to comply with the investigation. They have failed to adequately respond to my debt validation. 

This debt was allegedly charged off and they are still reporting that I owe them after sending me a 1099C allegedly and showing no verification with the IRS .If a 1099C is filed how are you reporting income thats FRAUD violations : 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S Code 1681b Permissible purposes of consumer reports Produce the 1099C
Product: Debt collection

The CFPBs action will ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their lending decisions. 

My mortgage lender has requested that I remind Radius Global that they no longer can report this debt to the credit bureaus. The company is not in compliance with the recently passed legislature and remains aggressive and resilient.
Product: Debt collection

I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.
Product: Credit reporting or other personal consumer reports

I have no connection to these inquiries or creditors and request their immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

notice my credit report showing late payments in which I never miss a payment on the XXXX  account ( XXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer reporting agencies play a crucial role in accurately reporting consumer information I request a through infestation for these discrepancies and urge you to provide evidence such as statement proving late payment if unable to provide proof I demand this payment be update to paid on time XXXX XXXX WAIVE THE LATE FEES XXXXXXXX XXXX WAIVE THE LATE FEES ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

TransUnion XXXX, XXXX XXXX XXXX XXXX additional information ion account has already been disputed .refused to make accurate reporting seen on my credit report. Scores shown on my credit inacuracted report this account is being graded incorrectly just Dispiuted. I received letters from automobile company called XXXX XXXX XXXX. XXXX, Account who ageed to resend additional letters this account wasn't never late this account settled. Before aggred. Owner name shown on the account XXXX XXXX. On his credit report correctly seen No late payments, seen on my credit report. Listed seen on my credits report late payments XX/XX/year>. Which incorrec
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Product: Debt collection

Today I was contacted by a place they referred to themselves as CBE FINANCIAL GROUP Via telephone. They asked was I a certain individual and I told them I dont confirm or deny, they then stated This is an attempt to collect on a debt I said Okay? In a puzzled tone. She then said Well, do you live at ( insert actual address including zip code of individual she was calling about here ) and I became outraged. I am an abuse survivor and this woman blurted out SENSITIVE PRIVATE INFORMATION, the address to someones home. I told her that was very unprofessional and what if I been a serial killer? What if I were an abusive ex? What if I had any ill will or intentions? I can understand her asking FOR my address to confirm the account, but sitting there giving me some strangers private address over the phone call completely baffled me. That has to be illegal. There is no way that she could know if I were the person in question or someone that knew the person in question and wanted to harm them. I asked to file a complaint, I was told because I did not have an account with them, I could not file a complaint with them. Completely disregarded my concerns and acted like this was business as usual to do this often with people that they contact and that is just NOT okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  is on my Equifax report as a closed account that was charged off. It was already removed from Transunion and Experian during the identity theft investigation. I called Equifax to find out why it had n't been removed. They could n't give me an explanation that I was satisfied with. It was removed from the other bureaus back in  XXXX . Please help me remove this negative item that does not belong to me so I can recover my good credit standing. I have been extremely hard to keep my credit good because it effects so many parts of our lives today. Please please please help me with this.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX
Product: Debt collection

Keep receiving calls from this number XXXX. They do not identify themselves but ask for me by name and then ask for my date of birth and home address. Every time I refuse and they ask why, I say the same thing. I dont know who you are and what you are calling in reference to. They always say the same thing its in regards to a debt you owe and we need to identify you before proceeding. I still refuse to give them any information and today the lady said, you can verify me by doing a XXXX reverse phone lookup. So I did and now I have the name of the company that do not owe anything to as Southern Credit Recovery , INC . 
I have been receiving this same call continuously with no one ever giving any further information unless I am willing to give them my personal information. I refuse to especially because they do NOT even identify themselves or the name of company they are calling for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX  XXXX {$620.00} XXXX XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX  XXXX {$120.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX  XXXX {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Debt collection

I purchased a timeshare and cancelled it according to the 5 day grace period. I sent a cancellation through email, fax and mail. However they said I did n't send it through register mail. I tried to work with company, but they would n't accept my cancellation. I did pay for almost 2 years but could n't pay anymore due to loss of wages. This debt was sent to a collection agency. They are not willing to close the case, even when I have sent them paperwork showing that the proper cancellation paperwork was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I was viewing my credit file when I noticed my student loans are reporting inaccurately. I have loans through Nelnet currently. In the past I had loans with XXXX as well. A couple of years ago I transferred all of my loans to my preferred lender Dept ED/ Nelnet which is Nelnet. 

XXXX status should be reported as closed - Transferred. 

Nelnet - should show is open. 

However, my credit report shows ( 5 ) nelnet accounts closed which is -inaccurate -duplicated reporting - because the closed reporting of dept Ed/ Nelnet is the same exact Nelnet open accounts. 
- showing the same loans open and closed is on accurate reporting. 

I should only show ( 2 ) closed educational loans. Which are XXXX. 

Please update my credit file correctly- this reporting is incorrect and hurting my credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I was the counter at XXXX 's applying for an ln-store line of credit and was denied because of things being reported on my credit report I signed up for an online credit service and discovered Items on my credit that I have no Idea what they are. I'm not sure how my information got Into the hands of someone else, this fraud and I calle the police. Also now had contact with FTC. I'm now contacting you all. Please help me. These are the items that are not mine and I'd like them removed please. XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My loan was sold to another company, I made arrangement with the other company and paid my loan. The original company refuse to remove their name off my credit report. They are still reporting as charge off.
Product: Credit card or prepaid card

I redeemed Citi XXXX Rewards points for 2 Home Depot gift cards, {$50.00} and {$100.00}, on XX/XX/XXXX. I expected cards to be emailed to me just like the one I ordered a couple of months before this, but instead they were mailed, and mailed to an old address ( I moved from there over 2 years ago, and, of course, I had my address changed with all my financial institutions ). I have contacted Customer service via Chat around XX/XX/XXXX, and the order was cancelled. I have received 2 emails from Citi Tnak You Rewards on XX/XX/XXXX, stating " Your return request has been approved '', for both cards. However, my point balance did not reflect it. 
I went on Customer Service Chat again ( twice ), trying to find out what's going on. Both times I was just lied to with no resolution of the issue. Eventually, I was told I need to call and speak with a Senior Customer Service rep. Interestingly enough, the number listed on Web Site as primary Customer Service number is a spam number!!! After a long series of spam offers you will be told this number has been disconnected! So here 's the number I got after all : XXXX. I did call on Friday, XX/XX/XXXX, and after a very long time on the phone I was reassured my point would be back on my account by Monday, XX/XX/XXXX. 
Today, XX/XX/XXXX, I checked my account and found out that XXXX points are still missing. I called again, and this time I was told that yet another dispute had to be opened today, and I have to wait for another month to hear from them!!! 
I don't believe this is right, and I am asking you to step into this situation and, please, help me to get my points back on my account. 
Thank you very much for your time and care
Product: Vehicle loan or lease

I have cosigned on an account with Ally Financial Account # XXXX when the lease was completed I was never notified of any other bills being due. On my credit report I see the account has a late pay. I was never notified of any issues and me being a cosigner I should have been informed of any issues with non payment since I am equally liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper  aka Nationstar was not been reporting my mortgage payment history since they took over the loan in XXXX, XXXX. I have spent the last 9 months trying to get them to report it retroactively but have only succeeded in getting them to report as of XXXX, XXXX. I have made multiple requests each month since then and each time they promise to resolve it and each time they do not. This is their legal obligation to report correctly under the Fair Credit Act, and yet they continue to fail at resolving this.