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

Subject : Dispute of Inaccurate and Unverifiable Bankruptcy Information To Whom It XXXX Concern, I am writing to formally dispute the inaccurate and unverifiable bankruptcy information that has been reported on my credit report. I have reviewed my credit report and identified the following bankruptcy entries which are both incorrect and unverifiable : XXXXXXXX XXXX XXXX Reference Number : XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX  Reference Number : XXXX Date Filed : XX/XX/XXXX The bankruptcy records provided by the court, which I have enclosed, confirm that these records should not be reported to credit agencies. Therefore, their presence on my credit report constitutes a violation of the Fair Credit Reporting Act. 

I demand that you immediately cease and desist from reporting this erroneous and deceptive information. Additionally, I require that these inaccurate entries be deleted from my credit report and all of your systems without further delay. 

Please be advised that if this matter is not resolved promptly, I will be forced to pursue legal action for the following violations : Permissible Purpose : {$1000.00} Defamation of Character : {$1000.00} Damaged Reputation : {$1000.00} Damaged Credit Worthiness : {$1000.00} Damaged Mode of Living : {$1000.00} Infringement on Right to Privacy : {$1000.00} The cumulative potential damages total {$6000.00}. This action is not intended as a threat, but rather a necessary step to ensure compliance with credit reporting laws and the protection of my rights. 


Thank you for your immediate attention to this matter. 

Sincerely,
Product: Debt collection

I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It distresses me that the information included in my credit profile has not been maintained with reasonable procedures to ensure maximum accuracy, as mandated by credit reporting laws. The accuracy of credit information is crucial, and I believe every effort must be made to assure that information reported is entirely accurate and correct. I am specifically addressing the following information, which I request to be reinvestigated : XXXX XXXXXXXX XXXX  XXXX XXXX. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. In the absence of such documentation, I insist on the immediate deletion of this item from my credit report.
Product: Money transfer, virtual currency, or money service

I was send my money from western union in fagatoto XXXX $ to my bank account in XXXX, until now my money can not pass in my bank account
Product: Credit reporting or other personal consumer reports

I have disputed incorrect information about XXXX  and opp loans starting XX/XX/2023. 
XXXX reports my balance as XXXX, they updated the correct amount which was XXXX on XXXX but refuse to update with the other credit bureaus. Opploans continued to report a balance that was paid off as well and instead of the credit bureau deleting this account they updated it because I had proof that it was paid off when in fact it should have been deleted because they knew that the balance was incorrect of XXXX and the credit bureau continued to report it even though they had a letter saying that I paid the debt off.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 1681 ( a ) ( 2 ) ( B ), Anything that was extended or authorized from a credit card should be excluded from my consumer reports. You are required by federal law to exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device on a consumer report. According to 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Equifax, XXXX and XXXX are reporting items from inquiries which is authorized by a credit card on my report. They are also reporting items such as citi on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed three credit reports today. XXXX, Equifax and XXXX. The Equifax report actually showed my XXXX XXXX account closed and XXXX and XXXX do not have credit for months that have been paid. I filed a chapter XXXX bankruptcy in XX/XX/2018. My home was not included in the bankruptcy, and I have been paying the mortgage directly. It is even in my bankruptcy order that I will be paying them directly. They placed an unauthorized charge on my account for {$650.00} as an " advance on my behalf '', they are not crediting my account when payments are made and are not reporting my payments to the credit bureau to reflect on my credit report. When I called to find out why they were not reporting my payments, nor accounting for them on my statement they told me that the payments had to be reviewed by the bankruptcy court ( because it is protected by bankruptcy laws ), I inquired as to which bankruptcy court and he said XXXX XXXX attorney XXXX XXXX XXXX ( XXXX ). He also said once they review the payment then it is partially applied to my account. I asked why it wasn't showing on my credit report and he again stated because it is protected by bankruptcy laws. He went on to tell me when I pay the {$650.00} " advance on my behalf '' fee that the payments would then show up on my credit report. I'm not understanding how I'm protected from bankruptcy laws when it isn't helping my credit report? I attempted to call the XXXX XXXX attorney, but they will not speak to me about my account without my attorney on the line. They have also removed my access to view my statements online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

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

The Georgia Dept of education refuses to get rid of closed accounts that have been paid off & they will not answer the phone. I have 8 closed & paid off accounts that are hurting my credit score.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App ( 1 )
Product: Credit card or prepaid card

So I keep getting denied by my bank after after notifying them on my credit and the agencies not fixing my credit so my bank monitors my credit it says I have XXXX credit available I sent them my ucc1 statement with security agreement as I am a entitlement holder they said reapply I did denied.you have assisted with the reporting agency this is proof they ignore your complaint haven't fixed late payments which I don't have things on my police report they haven't blocked these reporting agencies are the reason I can't get approved now my bank that denied me again I think this is the 8th application. And get told to reach out to credit reporting agency .I 'm confused don't see any protection. So let me know if you don't help protect So I can get direction cam you ask all credit reporting agency why they show on my credit history I have XXXX percent credit available. But my bank says their descion was based of credit transaction these agency have been delaying on for almost a year. .last time reaching out.you are not helping at all makes me question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had leased a XXXX  XXXX XXXX from XXXX XXXX which ended up in a total loss and was paid off by my insurance. XXXX XXXX  keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score. Please update all credit bureaus balance to {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy removal I have been disputing with Transunion and XXXX about the information associated with my Bankruptcy Ch XXXX. Most recent disputes have been online as well as by phone XX/XX/XXXX/ XX/XX/XXXXand ongoing thru XX/XX/XXXX. The results have been the record has been updated but my dispute has been who furnished the information for the updated information? The US bankruptcy Court has notified me that the court does not furnish the record to credit agencies or third party agengies. I have ask for how and who verified the bankruptcy for accuracy but TransUnion and XXXX always reply with they verified through public record database provided by the court through XXXX or XXXX. Listed are the things that I have asked and begged for and they won't give the information to me. I recently sent a letter in writing asking for this information which I am entitled to after my original disputes my phone and online.

( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute FCRA, Section 609 ( a ) 2 ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

FCRA, Section 611, paragraph ( 6 ) ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available The name of the courthouse ; ( b ) the persons name they verified the dispute ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the dispute.

Adding the public record also lacks name, address, full SSN or date of birth which is a minimum requirement according to NCAP.
Product: Credit reporting or other personal consumer reports

That someone stole my identity the name on my credit report was not mine and there was an account on there that was not mind and a different spelling of my name they didnt take off the accounts
Product: Mortgage

Sent modification paperwork since XXXX XXXX XXXX XXXX and no record see proof! Doulbe my payment for {$800.00} to {$1600.00} cant pay that went thru a divorce need help!
Product: Credit reporting or other personal consumer reports

I purchased washer and dryer set from XXXX and they offered free financing for a year if paid in full through TD Bank XXXX. 

I called to ask about setting up automatic payments approx 15-20 days after the purchase in which the representative stated the account had not been setup yet. I called back approx 30 days later and the representative stated I needed to wait for the mailed statement. I asked her to look up the info by my name and SSN in which she stated to wait for my statement again. 

Today ( XXXX.24 ) I received a statement with past due notices. I immediately called and updated my address in which they had it incorrect. 

The XXXX  reversed the late fees and I made a $ XXXX payment on a balance of approx {$590.00}. They put in a request to send back statements and a new card. I asked if it was reported late and the supervisor stated yes. I asked the supervisor and the rep who transferred me to XXXX to start a formal complaint process as required by CFPB regulations. 

XXXX ( ID XXXX ) called and was very rude and couldn't understand that because they didn't receive any mail back ( address was incorrect ) he would not put a request in to fix my credit report late notice. I requested again for XXXX to start the formal complaint process and he stated I needed to log online and complete it myself. 

I've done my due diligence to contact the company to make sure I was not late. I made more than my required payment, If I didn't want to pay or couldn't pay, I would have made only the minimum payment.
Product: Credit reporting

What I said in my complaint ... 


To whom it may concern, I Disputed multiple inquiries online on XX/XX/2017 that was being reported on my credit. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband is deceased and someone tried to open up a Nordstrom credit card in his name. I received a letter from Nordstrom declining the application but I am now highly concerned about Identity Theft since someone out there has information and is trying to use his name to get credit cards.
Product: Credit reporting or other personal consumer reports

After recently applying for a home mortgage, I have discovered that certain accounts and inquiries on my credit report are significantly hindering my ability to secure the mortgage. Despite my best efforts to resolve these issues directly with the reporting agencies, I feel that my rights as a consumer have been infringed upon. 

I understand that Equifax, XXXX, and XXXX are the primary credit reporting agencies responsible for compiling and reporting my credit history. However, I am disputing the accuracy and legitimacy of the accounts and inquiries listed on my credit report, which I believe are either erroneous or the result of fraudulent activity.

Given the urgency of my home mortgage application, I request that these accounts and inquiries be removed from my credit report within 4 business days. The continued presence of these items on my credit report is directly impacting my ability to secure the mortgage and constitutes a violation of my right to fair credit reporting.

I kindly request that the FTC investigate this matter and take appropriate action to ensure my consumer rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis nexis responded to complaint XXXX filed by me to the cfpb per their response PACER serves as the way for persons or organizations to obtain case information electronically instead of requiring those same persons or organizations to visit the courthouse physically to view a case file. Because court records ARE public, any person or organization can view them through the PACER system Lexis nexis is in violation of the fcra because Lexis nexis did not verify directly with the Bankruptcy court.

Pacer.gov is a third party entity that collects information and then sells the information to Lexis nexis and other credit reporting agencies. Under the fair credit reporting act any information must be 100 % accurate If a bankruptcy court is not placing information on my report that becomes an automatic inaccurracy because the information was placed on my report by a third party pacer system. 
I feel I am a victim of scrutiny.
Product: Mortgage

Bank of America has not yet caused to be recorded the Trustee 's Deed resulting from the Trustee 's Sale at public auction on Friday, XXXX XXXX, XXXX at XXXX. 


Also, as this account is a Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) home loan account, Bank of America must provide a monthly installment statement with payment coupon until the XXXX Deed of Trust has been sold or transferred. To date, I have not received a monthly installment statement in XXXX XXXX for XXXX XXXX as required. 

All previously mentioned resolutions are desired and mandatory.
Product: Credit card or prepaid card

Received this packet with a XXXX XXXX enclosed and all I have to do is activate it. 
I did not order this and someone took my credit info to get this... I am mad. 
I work hard to maintain my good credit rating without having to deal with this " Phishing Mail " NETSPEND XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX this company used my credit info without my knowledge the company is EXXON/CBNA Citi Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

there is 2 inquiries i did not authorized. FTC has been attached to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN TRYIN REPEATEDLY TO REMOVE AN UNAUTHORIZED ADDRESS FROM MY XXXX AND EQUIFAX CREDIT PROFILE FOR 2 YEAR NOW. IVE CONTACTED THEN BY PHONE, LETTER, AND EMAIL STILL NO POSITIVE RESULTS. I ALSO HAVE UNAUTHORIZED INQUIRIES.
Product: Credit reporting or other personal consumer reports

XXXX writing to formally request that TransUnion block certain information on my credit report due to identity theft and fraud, in line with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Here are the fraudulent accounts I need removed : 1. A XXXX XXXX XXXX XXXX XXXXXXXX XXXX  on XX/XX/2023, with a balance of {$1000.00}, seemingly related to credit card at XXXX XXXXXXXX. 
2. A collections account opened at XXXX XXXX on XX/XX/2023, with a balance of {$730.00}, seemingly related to credit card at XXXX XXXXXXXX. 
3. A collections account opened at XXXX XXXX  on XX/XX/2023, with a balance of {$860.00}, origin unknown. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer XXXX credit report. I've attached a list of the hard inquiries in question, as well as a copy of my consumer XXXX credit report from TransUnion showing these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] as proof from the US Federal Trade Commission confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Fifth Request/Demand/Identity Theft Victim Experian Conducted Sham Investigations on My Experian file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ). 

I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX XXXX XXXX. The derogatory information reflected in my credit report maintained by Experian under my Social Security number. As a victim of identity theft and the XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have been unjustly impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Experian multiple times that the entries below are erroneous and fraudulent. 
XXXX. Account : XXXX XXXX Account XXXX : XXXX Balance : {$1500.00} : Opened : XX/XX/XXXX XXXX. Account : XXXX XXXX XXXX  Account Number : XXXX Balance : {$9300.00} : Opened : XX/XX/XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX Balance : {$1000.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX Credit - Account Number : XXXX Balance : {$5700.00} : Opened : XX/XX/XXXX Experian routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Experian has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Experian has harmed, bullied, and harassed me
Product: Credit reporting or other personal consumer reports

Regarding the account Fortiva-XXXX XXXX XXXX XXXX XXXXXXXX on my XXXX Credit Report : XXXX received a complaint from the CFPB regarding an account on my credit report, and XXXX opened a dispute XXXX I was notified of the dispute results, which showed that the account was delinquent. Before the complaint, the account was not reported as delinquent. 

Also, my rights have been violated. Per FCRA Failing to list a disputed debt as disputed is an FCRA VIOLATION. Once you dispute a debt to a credit reporting agency, they must report that debt as disputed on your credit file and in your credit reports. Also, suppose you dispute a debt to one of the three major credit reporting agencies ( XXXX, XXXX, or XXXX ). In that case, that particular agency must notify the other two bureaus that you dispute the debt. Failing to list the account as disputed, after a valid dispute has been sent to the XXXXredit reporting agency, is a violation of the FCRA.