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

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. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX OF XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



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 METRO 2 COMPLIANCE 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 XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a copy of my credit report and noticed I had a fraudulent account on my report. Please remove these account from my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX are you aware of the prosecution The CEO, CFO, Executives or any agent of XXXX XXXX XXXX XXXX will face? The Internal Revenue Service ( IRS ) will be forwarded this letter upon thorough investigation of XXXX XXXX XXXX XXXX deceptive business practices and all the misleading information XXXX XXXX XXXX XXXX has provided to an Consumer, it is unlawful of all your business practices. I am aware of this transaction and you failed to comply and provide full disclosure that my car is 100 % paid for. XXXX XXXX XXXX XXXX will be held accountable believe that as a federally protected Consumer, my rights have been violated.
Product: Payday loan, title loan, or personal loan

Kubota credit issued me a 1099C last year. I paid the taxes on the amount wrote-off. Kubota is reporting the acoount to the credit reporting agency as a charge-off acount with a balance due.
Product: Credit card or prepaid card

Bank of America prepaid debit card edd is saying that I gave someone authorization to use my card which isn't true and they won't send me proof when I said someone could use my card. Because I never gave permission for anybody to use my card. I have a couple of claims with bank of America prepaid debit card I told them my account was compromised and they don't want to approve my claim I don't want to sue them I just want my money
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX RETREAT CT XXXX XXXX XXXX, MD XXXX ACCOUNT ( XXXX ) /ITEMS DELETION LETTER OF IDENTITY THEFT & XXXX TRANSUNION XXXX XXXX XXXX & FRAUD ) VIOLATION FCRA Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY FINAL LETTER CONCERNING THESE XXXX ( FRAUD ACCOUNTS ) BECAUSE OF IDENTITY THEFT, XXXX XXXXXXXX. *.I DEMAND THIS ACCOUNT BECOME DELETED OFF MY CREDIT REPORT! * Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed these accounts that I wanted way more detail explanation on, and they need to be deleted/removed from my credit report. I'm demanding that these fraudulent accounts be removed the final time permantly never to return or I will be forced to sue in the court of law!. 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 
FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 




XXXX Account XXXX : XXXX Account XXXX : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX XXXXXXXX
Product: Student loan

I sent question via the chat option to Navient in XXXX of XXXX. Some of my original loans started with a XXXX percent apr and now the apr exceeds 10 %. I have paid back almost 3 times what I borrowed. This is unfair. I was told originally that my loan would be for 10 years. I have been paying on it since XXXX and I still owe over XXXX when I only borrowed XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXX XXXX  account number : XXXX Please verify this information and remove it from my report if inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXXXXXX XXXX : After contacting XXXXXXXX XXXX XXXX customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXX XXXX  acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, Experian, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was sold to XXXX XXXX XXXX in XX/XX/year>. XXXX did not have possession of the three loans reporting late payments on all three credit bureaus when XXXX was sold the account in XX/XX/year> 1. {$780.00} 2. {$2200.00} 3. XXXX
Product: Debt collection

In doing a home equity loan my lender found a judgement against me through Discover Bank that is not me but someone whose name is close to mine. 



My name & address : XXXX XXXX XXXX XXXX- the address I have lived at for the past XXXX  years is : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX The name & address on this judgement is : XXXX XXXX and the address listed for her is : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( Date on judgement is : XX/XX/XXXX ) This is clearly a case of mistaken identity and therefore this needs to be removed from my credit and name immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Wells Fargo Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec Office ) to resolve all other customer cases. Today, XX/XX/2019 I called to XXXX and asked about information on Wells Fargo credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XX/XX/2019 ) that my balance is {$5.00}. I consider Wells Fargo is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus
Product: Credit reporting or other personal consumer reports

PER the FCRA as a federally protected consumer i am now opting out of an ANY and ALL authorization that I the consumer may have given .Written, unwritten, verbal and non-verbal per the 6802. Obligations with respect to disclosures of personal information. In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit ( 1 ) Reinvestigation required.

per 15.u.s.code 1681i ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
It is also important to note that my information has been breached by XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX LOANCARE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX Acct # XXXX LoanCare Mortgage LLC # XXXX Date Loan Open : XX/XX/XXXX Loan Modification Date : XXXX XXXX File Number : XXXX Dear : to whom it may concern I am writing to inform you that XXXX XXXX XXXX has taken out a mortgage in my name without my consent. I first became aware of this situation when I received a letter from your institution regarding the mortgage. I was shocked and dismayed that someone had used my personal information to obtain a mortgage without my knowledge or permission. I have all the necessary documents to prove I'm a victim of identity theft. I strongly request that your institution take immediate action to rectify this situation. Specifically, I ask that the mortgage be canceled and removed from my credit report. I have also attached any documents that may help resolve this matter. 

XXXX XXXX XXXX asked me to help him close a deal on XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX told me he needed someone with a fair credit score. I agreed and rented a room and a 1 % on the deeded. A year passed by I found out that he had taken a loan of {$450000.00} without my acknowledgment!? That's when I told XXXX what happened and why I have a mortgage under my name ; he told me he has a lawyer working on it. It would not affect my credit. That's when he toke me off the Deed that I was on 1 %. I didn't sign any paper or no cosign on the mortgage. 

He sent me an Email on XX/XX/XXXX, After I disputed the claim. He asked me to notarize a letter to take me off my credit report. The 2nd email he sent was an error. We all had to sing on the same day. We had to do it over again. The date has to be the same. Then we had to do it two more times because you need all four parts together : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. After going through that, I discovered he did a mortgaged modification. He removed me from the Deed, kept me on the mortgage, made a loan modification, and took an additional {$50000.00} loan. He promised to remove my name from the mortgage and tricked me into signing, and I thought he was pulling me from the loan mortgage. 

Thank you for your time and attention to this matter. Please go over the Document and review it yourself. 

Sincerely yours XXXX XXXX
Product: Debt collection

I went to XXXX in XXXX for a root canal procedure. I had dental insurance. They billed me for my portion and I paid to receive the service. XXXX is putting me on collection for portion that they anticipated to collect from my dental insurance. This debt is not mine. I paid what they billed me to receive the service at the time of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called multiple times and explained to them that my boyfriends revolving accounts were showing up on my credit score and It lowered my score by 60 points and the supervisor XXXX was extremely rude, wouldnt listen to me and kept telling me there was nothing she could do and to call fico. And then fico told me only the credit bureau could fix the problem. Then when I called back AGAIN the same supervisor said she refused to answer my questions but kept saying I already answered that. even though she didnt and everything she was saying didnt make sense. Then told me she was going to hang up the phone on me instead of explaining to me why she couldnt and would not help me. She told me I couldnt speak to anyone higher up than her. She should not be representing a credit bureau. And I feel uncomfortable with her handling my personal information. Someone who cant handle pressure should not work in this line of work.
Product: Credit reporting or other personal consumer reports

My ssn is wrong on all credit bureaus and its preventing me from being able to do my taxes so I need it fixed asap
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX DOCTORS BUSINESS BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation,  Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report DOCTORS BUSINESS BUREAU XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are exactly 20 hard inquiries showing up on my TransUnion report that are not mine..I have have disputed these inquiries through the mail and never received a response..my personal information has been compromised and someone has been trying to obtain credit in my name like crazy!! These are the inquiries I need removed.. XXXX XX/XX/XXXX.. XXXX  XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX  XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX   XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX ... also my personal information is wrong even though I've contacted TransUnion numerous times in regards to my name and address..the address they have for me isn't even a address and my name is literally turnt around backwards..they have my address as XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..my correct address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..and they have my second address which is my XXXX XXXX as this..XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..the correct address is XXXX XXXX XXXX XXXX XXXX FL XXXX.. then there's the spelling of my name..they have XXXX, XXXX, XXXX..my name is XXXX XXXX  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I have been disputing these accounts since XX/XX/2018 and yet to have any luck but enough is enough XXXX XXXX XXXX is reporting completely incorrect and inaccurate, the high balances are reporting differently for example on XXXX is reporting at XXXX $ and XXXX $ on the rest of the agencies, the amount past due is reporting different on all 3 agencies as I will have screenshot provided to show. In XXXX and XXXX there is nothing negative in the payment history reporting, in Experian why do you have no remarks or past due but reporting as charge off status in payment history? 
Also the past due dates on all three agencies are way off so as you can see they are reporting this account completely incorrectly and something has to be done asap! 
correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters over the last few months to the creditors as well as to the bureaus about lates that were reported on my credit during the pandemic, that the creditors had agreed verbally over the phone to give me a deferment on the payments due to covid. The lates are inconsistent and not correct, I have attached a screen shot of my report for you to see. 

The lates have drastically dropped my scores preventing me from getting approved for business loans and credit. 
I read about the care act listed below and am reaching out to seek your help. 

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( XXXX ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continued to violate the FCRA by continuing to refuse in deleting incorrect as well as inaccurate information from my reporting. I am not asking for another dispute or investigation, I want this inaccurate information removed from my credit, XXXX just removed this account based on the information they received from E Oscar & I know this is the same data furnisher theyre using. It is against the law to continue to report information that shouldnt be on the report.