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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

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Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

I Have Tried to open a bank account with XXXX XXXX, Capital One Bank and XXXX XXXX XXXX  for the last year and I have not been able to, and as a response, they have only told me that I am considered a risk and they send me a website to request information. I did as they told me and the Finalcial Institution : XXXX XXXX  sent me a report ( Comprehensive File Disclosure ) that does not explain the reasons why I can not open a bank account. I am currently in a bank account of my husband, but I would like to have my own bank account and I have not been able to.
Product: Mortgage

In regards to complaint # XXXX, you have a person, to whom has no bearings on the account in question. The letter dated XX/XX/2016, from Chase, is addressed to a person whom has never had any ties to the account, whatsoever. This is apparently an attempt by Chase to delay responding to my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring attention to the inaccuracies present in my consumer credit report. Listed below are fraudulent/inaccurate and or unauthorized hard inquiries on my credit report that I will like to be thoroughly investigated and removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It has come to my attention, through a thorough review of my Fair Credit Report, that there are hard inquiries listed on my report that I believe to be fraudulent and inaccurately attributed to my credit profile. I demand a comprehensive and rigorous investigation by the credit buries to substantiate the validity of each hard inquiry they have recorded. Furthermore I request that the credit bureaus provide documented proof for any hard inquiry deemed to be accurate. I am committed to maintaining the accuracy and integrity of my credit report, and it is imperative that these discrepancies are rectified promptly. Your cooperation in conducting a thorough investigation and providing a clear documentation will be instrumental in resolving this matter promptly and ensuring the veracity of my credit report. Please investigate and remove these hard inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing you about the the misuse of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft 1. 
XXXX XXXX XXXX Account Number : XXXX 2. 
XXXX XXXX Account Number : XXXX 3. 
XXXX XXXX XXXX Account Number : XXXX 4. 
XXXX XXXX XXXX Account Number : XXXX 5. 
XXXX XXXX XXXX XXXX Account Number : XXXX 6. Identity Theft XXXX XXXX  Account Number : XXXX 7. 
XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


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

The amount is XXXX was open fraudulently, I reported this with the company and the account was closed. in XX/XX/2020, I had this remove from my credit report and this items keeps coming back on
Product: Credit reporting or other personal consumer reports

1. Credit Report Dispute : Consumers have the right to dispute any inaccurate information on their credit report. The credit reporting agencies must investigate the dispute and correct any errors within 30 days. 

2. Inaccurate Account : If a consumer finds an inaccurate account on their credit report, they have the right to dispute it with the credit reporting agency. The agency must investigate the claim and remove any inaccurate information. 

3. Fraud : If a consumer suspects fraudulent activity on their credit report, they should report it to the credit reporting agency and the creditor immediately. The FCRA provides protections for victims of fraud, including the right to place a fraud alert on their credit report. 

4. Identity Theft : If a consumer is a victim of identity theft, they have the right to request a free copy of their credit report and place a fraud alert on their account. The FCRA also allows consumers to place a security freeze on their credit report to prevent unauthorized access. 

Overall, the Fair Credit Reporting Act is designed to protect consumers from inaccurate information, fraud, and identity theft in their credit reports. It is important for consumers to regularly review their credit reports and take action to correct any errors or fraudulent activity.
Product: Credit reporting or other personal consumer reports

I filled out for a XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. After processing my information, I was sent the attached email. When I contact Chex Systems, I could not find out why this information was in on report or by who. I believe it to be XXXX XXXX XXXX.
Product: Credit reporting

I checked off the did not get proper notice of investigation because the others did not fit my problem at all. Sorry. Here is the situation : XXXX XXXX XXXX hired a collection agency XXXX XXXX and they hired a XXXX Attorney to represent them in court. I went to court when I was asked to appear. They never even showed. Therefore, the Judge ordered that the case was dismissed. I have the paperwork from the Court showing all the information that would be required for them to remove the negative marks on my credit report. So, I then sent all this paperwork to the credit reporting agencies. They are still investigating and as of yet, I have heard nothing. Everyone is telling me to sue the credit reporting agencies - Others said you can help me. So I 'm starting with you!!!! Apparently, they are dragging their feet on this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three reporting agencies I have submitted disputes with. They either dont do nothing or the actual dates and info gets changed. Or they wont remove items. When I know they have been altered. And they have removed items and then XXXX weeks later they add them back on and I have disputed that as well. But overall they dont do justice as in fixing or deleting anything
Product: Credit reporting or other personal consumer reports

I am formally notify you of my intent to sue Experian for failing to conduct a legitimate investigation regarding disputed accounts on my credit report. Despite submitting police reports, FTC reports, Better Business Bureau reports, and Attorney General reports, Experian has not removed these disputed accounts which violates my rights under the FCRA and the FDCPA. I have submitted the following documents requested by Experian for the removal of the disputed accounts. Under the FCRA, Experian is required to conduct a reasonable and thorough investigation into the disputed accounts and correct inaccuracies on my credit report. Additionally, the FDCPA mandates that all collections practices must be fair and accurate. Experian 's failure to investigate these disputes adequately constitutes a violation of both statues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA clearly states a consumer credit reporting agency can not furnish a account without my written instructions. I did not sign a contract with XXXX XXXX XXXX XXXX. I asked Experian to produce me the contract on both disputed accounts that bears my signature. I didn't not received any such documents. In the case of XXXX XXXX XXXX, it was established that the failure to report inaccuracies on a consumer 's credit report, ultimately affecting individuals access to credit and financial opportunities. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

Dear Sir/Madam, I am writing to dispute and lodge a formal complaint regarding an account that has been reported on my credit report. The account in question does not belong to me, and I have been diligently trying to resolve this matter to rectify any inaccuracies on my credit report. 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : [ Account Number ] Balance : {$0.00} Highest Balance : {$330.00} Opened : XXXX. XXXX, XXXX ( XXXX yrs ) Account Status : Closed Type : Paid Responsibility : Individual Account Remarks : Consumer disputes after resolution Original Creditor Name : XXXX XXXX XXXX Closed : XX/XX/XXXX Creditor Information : Berlin-Wheeler-KS, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX I have made attempts to resolve this issue by making a payment, hoping that it would rectify the situation and remove the account from my credit report. However, despite my efforts, the account remains on my credit report, causing significant distress and potential harm to my creditworthiness.

I kindly request your immediate attention and investigation into this matter. Attached to this letter are supporting documents, including proof of payment made and any other relevant documentation, which clearly demonstrate that I am not responsible for this account. I urge you to review the evidence thoroughly and take appropriate actions to rectify this error promptly. 

I understand that the Fair Credit Reporting Act grants you 30 days to investigate and resolve disputes. I kindly request that you provide me with written confirmation of the steps taken to investigate my dispute, as well as the resolution of the matter. Additionally, I request that you provide me with an updated copy of my credit report once the investigation is completed. 

Failure to address this dispute adequately and in a timely manner may result in further legal action, as I am prepared to protect my rights under the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at the phone number or email address provided below should you require any further information or clarification. 

Thank you for your immediate attention to this matter.
Product: Debt collection

This submission updates the XX/XX/XXXX complaint against Renton Collections , Inc. to which I was complaining about Renton Collections attempting to collect a two year-old bill for XXXX. I was also complaining that they never provided or mailed me a proof or a copy of the bill I requested or any verification associated with the bill when I first spoke with them on the phone on XX/XX/XXXX. I had to request a proof of the bill because I am a recent ID Theft Victim, Someone else had filed an Income Tax under my name for XX/XX/XXXX Tax Year and someone had applied for a credit card using my name and I have been getting a lot of scam calls in my cellphone within the last several months and a mailed copy would prove it 's validity. 

I did not believe Renton Collections was a legitimate call because the only Plumbing company i remember doing work for me two years ago was with another Plumbing company and not XXXX. Renton Collections never mailed me any proof at all. Instead they reported the unpaid bill to the Credit Bureau on XX/XX/XXXX. This prompted me to do my own investigation and by going in person to XXXX XXXX XXXX on XX/XX/XXXX and inquire about this bill. I realized that they billed me two years ago for dispatch fee of {$100.00} just for sending somebody to my house and but not doing any work. I never received any bill from XXXX XXXX XXXX otherwise i would have paid for it two years ago. They claim they billed me but i never received anything in the mail. I decided to pay the bill for {$130.00} ( incl. Renton Collections Interest charges ) directly to XXXX XXXX XXXX that same day. 

I believe that i was treated unfairly. I have always maintained an excellent Credit rating ( verifiable ) paid my debts on time, never missed a payment, never had a collections and now this Collections from Renton Collections , Inc. has made an impact in my Credit Rating as a result of irresponsible creditors and bad business practice. All i care right now is getting Renton Collections Account be taken off my Credit Record because i never intended this to happen and I believe my rights was violated. I am hoping for a resolution of this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I notified the credit bureaus that the information on file is not correct. I am identity theft victim and according to Section 605B of the Fair Credit Reporting Act, which requires you to remove and block information that is on my file that I state is a result of alleged identity theft within 4 days after the notice has been received. 15 USC 1681 Section 604A states the consumer reporting agency can not furnish an account on my file without my written consent. I did not give written consent.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00}
Product: Credit card or prepaid card

I am a Citibank credit card customer since XXXX. I have 2 Citibank cards, a better balance and diamond preferred. I use the better balance card for day to day purchases and pay the balance in full every month. I only use the diamond preferred card if Citi gives me a special offer, i.e., balance transfers/purchases for 12 months at 0 % interest. Right now the balance on that card is {$0.00} and I have a credit limit of {$7600.00}. I mention all of this because yesterday I applied for an additional Citicard, called Citi Simplicity. They denied my application because they say I have too many inquiries. To me, that's like saying " you have too much credit and we can't give you anymore ''. It is true that in the past 30 days, I've applied for 4 credit cards. One was a gas card that I immediately closed when I received the card and reviewed the XXXX  that were different that when I applied. The other 3 were in anticipation of my having XXXX XXXXXXXX that would cost about {$3800.00} out of pocket ( Medicare won't pay for that portion ), and all these credit cards have 0 % interest for 12 months, with some other special programs, i.e., {$300.00} statement credit if you spend {$1500.00} in the first 3 months, or XXXX points ( {$150.00} ) if you spend {$150.00} in the first 3 months. But the Citi Simplicity card is offering 0 % interest on purchases for 12 month, or balance transfers for 21 months. So, of course I wanted a card that would give me more time to pay off XXXX  XXXX. And lastly, I have a XXXX score of XXXX ( see attached ), and have had credits cards since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB Complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data. 

I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner, that would be better. 

My ONLY ADRESS IS XXXX XXXX XXXX XXXX XXXX MY CORRECT NAME IS : XXXX XXXX XXXX XXXX XXXX XXXX THE INCORRECT PERONAL INFORMATIN BELOW. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Resurgent Capital Services is saying i woe them a debt. that they have bought from another company. I have no contract with this company. they have sent me litters for debt which is illegal 39 U.S.C 3001 nonmailable act. which is illegal to send a debt through the mail. I never signed any agreement or contract with Resurgent Capital Services. who has claimed to buy the debt from another company. this is a debt collection company I do not owe any debt to.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the mishandling of my personal information due to the data breaches at XXXX and XXXX. These incidents have caused significant concern regarding the security of my personal and financial information. I have spent significant time and resources addressing potential fraud, monitoring my credit, and disputing inaccurate information. I request the CFPB 's assistance in mandating the removal of any fraudulent or inaccurate data from my credit file caused by these branches. I have attached documentation to support my claim, including credit reports and any correspondence with XXXX and XXXX. 

this will be the 2nd account from self financial that I don't recognize as accurate.