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

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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's my understanding that you will invesigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account Name ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. XXXX - XXXX XX/XX/2021 Please correct/update this inaccurate information on my credit report. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I applied for deferment and was under the impression it was filled out correctly. I was never notified and when I realized my credit had been hit 28 times in 7 months, I reached out to them and started making payments. XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX checked all three of my credit reports and noticed some fraudulent accounts in inquiries appearing all all three of my credit reports
Product: Money transfer, virtual currency, or money service

To whom it may concern, I, XXXX XXXX, have been loyal bank of America customer over 16 years. Im writing this formal letter to notify Bank of America that my money was stolen from unauthorized transactions from multiple account. Total amount of {$7000.00} is stolen from my account. I didnt receive the service that merchant promised and I notified the merchant to return my money but no response. Merchant is conducting fraudulent activity. I have all supporting evidence and document from every interaction with the merchant. 

Account : XXXX. Account : XXXX Account : XXXX Amount : {$1000.00} Amount : {$3000.00} Amount : {$3000.00} Date : XX/XX/XXXX of 2023. Date : XX/XX/XXXX of 2023. Date : XX/XX/XXXX of 2023. 

Im humbly requesting to Bank of America to exercise my protection Regulation E Statutes 15.U.S.C 1693 to help me cover my loss of {$7000.00}. I trust Bank of America that it will do its all power to protect its clients from malicious individuals. 

Please do not hesitate to reach out if you need an additional document at XXXX or XXXX Sincerely, XXXX. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian Consumer Dispute Center po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX  XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as XXXX with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any XXXX. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, Experian, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, Experian, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED
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 TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by 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 Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by 24 hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. 
System Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. 
Incorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. There was no valid reason for the assignment of a late fee or the reporting of this late payment, and I have attached payment receipts that show consistent payments for the past two years. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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 XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

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

To whom it may concern : written you three time already about accounts in my credit that do not belong to me, you have refused to remove from my credit. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report.
Product: Mortgage

I had my mortgage with freedom mortgage since XXXX of XXXX. Prior to that, I had been paying my mortgage to XXXX XXXXXXXX. I have never missed a payment or was never late to make payments. I had my ACH set up with the companies for the past 5 years. 

Freedom mortgage sold my mortgage to Mr. Cooper in XX/XX/XXXX. I wasn't aware of this and as such, there was no ACH set up. I got aware of this situation in XX/XX/XXXX and as soon as I found out, I paid the entire amount ( approx. {$11000.00} ) the same day with Mr. Cooper. It was an honest mistake and Mr. Cooper 's representative told me they can dispute my credit and fix this mistake as they reported this. 
However, I called to confirm this, and they denied that they can fix this issue and were not at all helpful in navigating and helping me find a solution. They were very dismissive and they didn't have this same attitude when I initially called to make payment and set up the ACH. I am looking for help in figuring out how to fix my credit. Thank you so much!
Product: Mortgage

Good afternoon, I am contacting the Consumer FInancianl Protection Bureau for an HELOC for {$60000.00} which I took from countrywide on XX/XX/XXXX. However, Countrywide went out of business and Bank of America took over, servicing or bought the account. In XXXX Bank of America extended an HELOC for {$80000.00} for the purchase of a business on the same property. However, Bank of America sent me a forgiveness letter on XX/XX/XXXX forgiving that {$80000.00} HELOC I took out on my house from BOA, but it did not record a satisfaction nor did it send me a forgiveness letter reg

arding the first {$60000.00} from the HELOC originated from Countrywide. However, Public record shows the HELOC from countrywide was satisfied on the same date as BOA recorded its mortgage satisfaction for the {$80000.00} it forgave, but there is no document on the clerk 's website showing a satisfaction that was recorded by BOA for the {$60000.00} HELOC issued by Countrywide and took over by Bank of America. Now there is new servicer that is trying to collect on the same old {$60000.00} HELOC issued by countrywide. Its name is XXXX XXXX XXXX, XXXX. XXXX indicated that that HEL

OC was a second mortgage, which was not because it was an HELOC I took after I owned the property well over two years. I believe they disguised it as second mortgage to evade the settlement for preditory lending by Countrywide. I am requesting assistance to look into that whether BOA failed to take steps to record
a satisfaction for that HELOC issued by countrywide and forgive that loan under the term of the settlement agreement with the Department of Justice and the State Attorney General I am attaching a copy of the forgiveness letter and copy of the document that showed the {$60000.00} was satisfied.

I look forward to hearing from you.

Best regards,
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX After looking at my credit report I notice that I have a hard Inquiry on my credit report that I do not recognize, and I did not approve of it. I did not sign for this, or apply for anything of this nature. I have tried contacting them. I haven't gotten a response. Please investigate and get this item removed from my credit report asap. The credit card company, or bank is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts balances are incorrect on my credit report I was never given the contracts or itemized billing statements showing how these accounts balances were made, they also added late payments dates and fees to these accounts after they were closed, how can one be late with fees when an account is closed the date of account closed have been updated as no information given on my credit after I contacted them asking about this same problem. XXXX XXXX XXXX Account # XXXX is also a charged off account that I never received my XXXX as law states mt to receive. How can they come after me for a debt that has been paid in full already due to charge off. As for the XXXX Account # XXXX account this was sold to a third party without my knowledge or permission giving my personal information out without my written content also this is still showing as an owed debt with this company when it should be removed if from my credit reports if they have been paid for this debt already due to charge off to third party. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Vehicle loan or lease

On XX/XX/year> i was approved for a car loan with ally bank. My credit score is XXXX and for some reason my interest rate they charged me is 22 %. Im a young XXXX XXXX guy and i feel as though they have discriminated against me because of my XXXX. When i asked why my interest rate was so high, no one at ally bank could give me an answer.
Product: Debt collection

Portfolio Recovery Associates LLC has not complied with two attempts of requesting Validation of Debt - the second attempt was notarized on XX/XX/XXXX and mailed Certified. ( please see all supporting documents attached ). 
This debt collection company has failed to comply within the 30 day window as stated in the Validation of Debt Letters, therefore their failure to respond indicates acceptance of my position that this " debt '' is invalid. 
Collection company filed a court case against my ALL CAPS legal fiction name without the proper legal documentation bearing my signature. I did not contract with this collection company nor could ever have signed any such document proving said contract exists. 
It is illegal and fraudulent for a collection company to purchase debt then come after me for it. 
" Fraud violates the most solemn Contracts, documents, and even judgments '' [ XXXX vs XXXX, XXXX XXXX XXXX at. pg. XXXX ] The court gave Portfolio Recovery Associates LLC a default judgment and they began to seek Wage Garnishment. I submitted all Validation of Debt letters and supporting documentation to The XXXX XXXX XXXX XXXX XXXX XXXX  and on XX/XX/XXXX, received a Notice of Release of Wage Garnishment. A second Notice of Release of Wage Garnishment was received on XX/XX/XXXX. Meaning : this debt has been Satisfied. 
Now I am being harassed by more Illegal collection attempts via text messages... even my XXXX XXXX XXXX father has begun to receive these fraudulent messages on his own cellular phone in MY NAME. ( please see attached proof of fraud ). This is in violation of 15USC 1692d Harassment or Abuse. A debt collector my not engage in any conduct the Natural Consequence of which to harass, oppress, or abuse any person in connection with the collection of a debt. This is also in violation of 15USC 1692e ( 5 ) : a debt collector can not make false claims or threats to get payment from you. 
Furthermore, this debt that is not mine has been reporting negatively on my credit reports, which is in violation of my privacy rights under the FCRA, specifically 15 USC 1681 ( a ) ( 4 ) requiring consumer reporting agencies to maintain accurate information in consumer reports. Notarized Affidavits have been sent Certified mail to all three agencies naming Portfolio Recovery Associates LLC, requesting immediate removal and relief under the provisions of the FCRA.
Product: Vehicle loan or lease

XXXX company promise me that if I pay XXXX they will help me in waiting and giving me time to for 3 months so I can pay my car but unfortunately they never help me and took the car.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX account Account has been reaged several times- evidence attached. 
Account is inaccurate and incomplete Also a charge off receiving an XXXX XXXXXXXX write off Also, in collections And account was also paid by the XXXX XXXX in the finance charge This is corporate FRAUD.