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

In accordanco with tho Fair Crodit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Account name : # Account name : # Account name : # Account name XXXX XXXX XXXX account # : XXXX # has violated my rights. 
I lookod at my Exporian crodit report on XX/XX/year> and noticed some things aro Incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning tho individual about whom the report rotates according to 15 USC 1681 ( oXb ).

And according to 16 USC 16811 5 they aro suppose to do this ( 6 ) Treatment of inaccurate or unverifiable information ( A ) n gonorallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting or other personal consumer reports

These errors have been dragging my score down for so long, and the toll its taken on my opportunities is hard to measure.
Product: Debt collection

New Account - New Account XX/XX/year> Alert Type : New Account - New Account Found On : XX/XX/year> A new account has appeared on your credit report. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

XXXX XXXX XXXX Account Balance {$1200.00} Payment StatusXXXX NameCREDIT MANAGEMENT LP Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CityXXXX StateTX ZipXXXX Here 's what to do : Call a Restoration team member at XXXX. As specialists, we'll help you determine if an identity theft event has occurred and guide you through any necessary restoration activities. We may take the following actions on your behalf : Contact the Social Security office Review your credit report for indications of identity theft Place a fraud alert or security freeze with the three credit bureaus Potentially Negative - Major Derogatory XX/XX/year> Alert Type : Potentially Negative - Major Derogatory Found On : XX/XX/year> A new derogatory mark has appeared on your credit report. Please review the details of the alert for information that may indicate identity theft.

Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

XXXX Alert DateXXXX Balance Amount {$1200.00} Is CollectionYES Open DateXXXX Payment XXXX XXXX XXXX ( COLLECTIONS ) Status XXXX NameCREDIT MANAGEMENT LP Phone ( XXXX ) XXXX Business TypeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CityXXXX StateTX ZipXXXX Here 's what to do : Call a Restoration team member at XXXX. As specialists, we'll help you determine if an identity theft event has occurred and guide you through any necessary restoration activities. We may take the following actions on your behalf : Contact the Social Security office Review your credit report for indications of identity theft Place a fraud alert or security freeze with the three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-VIN # XXXX This vehicle was repossessed by American Honda and sold on or about XX/XX/XXXX. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure times were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle. If no proof is provided any continued collection or reporting on my credit reports will be considered a violation of theFDCPA and FCRA.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. It's been a long time of processing and making follow-ups to the Credit Bureaus and the CREDITORS with regards to my request of getting the items in question to be removed from my Credit Reports . However, I have neither heard anything from both of them nor received any kind of response. Thus, concluding me to reach out to you to ask for some assistance and help. They haven't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they should provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below is the account I am not connected to. 
QUAL AST REC ( Original Creditor : XXXX XXXX XXXX XXXX  ) QARXXXXXXXX  Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Balance : {$1300.00}
Product: Mortgage

On XX/XX/XXXX I shopped insurance and found a better price so I bought the new policy for a savings. My old policy was still in effect which renewed on XX/XX/XXXX and still in effect when I purchased new policy XX/XX/XXXX. On XX/XX/XXXX I cancelled my old policy for reasons of purchasing new policy at better price. I didn't realize there was a problem untill I made my XX/XX/XXXX payment of XXXX that my account was in escrow for lapse of insurance from XX/XX/XXXX till XX/XX/XXXX and owed XXXX not XXXX. I did not receive any letters to resolve this or would have. I have provided information to Rocket Mortgage from my old policy auto XXXX XXXX  when I cancelled my policy on XX/XX/XXXX and provided a copy of to them they also spoke to insurance agency. I then provided a copy of new policy which went into effect on XX/XX/XXXX so there never was a lapse in insurance coverage, but rocket mortgage is telling me I still owe escrow money XXXX or close to for escrow. They acknowledge that there was no lapse now but still say I owe escrow and aren't applying the XXXX payment as I'm short from a XXXX payment know set up by them with escrow which I should never had and didn't sign up for when I refinanced my mortgage.Now I'm not behind on taxes and current untill XX/XX/XXXX and my insurance is paid untill XX/XX/XXXX. why do I owe them money for escrow when I've complied with my original mortgage agreement, They also are charging late fees for my payments. I have spoke with rocket mortgage multiple times during XXXX to resolve and promised it would be taken care of only to receive g mail of late payments and I still owe escrow for XXXX, I call again same thing I have to explain this ordeal from start to finish and can not get them to explain why I owe escrow when I proved there was no lapse of coverage when they acknowledge that there was none I am told I still owe the XXXX close to for XX/XX/XXXX escrow. and my payments would be considered late I have tried to resolve this matter I don't want my credit to be damaged as I have never had any late payments on my credit. I
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following XXXX included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. These are the accounts that I marked inaccurate. 

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

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Debt collection

An account is listed under XXXX. I have attempted to dispute this debt, and no steps were taken on their end.
Product: Debt collection

Debt its for my son he is a XXXX  and he had and still cover by fl medicaid they insist I have to pay the debt do not want to deal with medicaid
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Product: Mortgage

I currently use the online system for New Rez and during the month of XXXX I did not hit submit so my payment was late. Once I checked my account and saw that my payment was late I decided to make an early payment for XXXX because I am working out of state and did not want any issues. So I made the electronic payments online on XX/XX/2022, and paid the amount of XXXX for my XXXX payment and XXXX again for my XXXX payment online through their system. Each installment stated this was the amount due and I proceeded with those payments. I checked my bank account a few days later to make sure the payments came out of my account. On XX/XX/2022 I received an email that I was two payments behind and I called New Rez. I was told that on XX/XX/2022, New Rez sent a letter out to inform me that my mortgage payment was going up in XXXX. I explained that in no way could I have made my two months ' payments and received the letter in the mail the same day. The company never called or emailed me about the discrepancy. I was told since the payment of {$930.00} was not made and I made the payment that appeared online at the time of XXXX. New Rez did not know what to do with the money that I clearly submitted online for my XXXX payment, they applied it to my principal portion of my loan. Never issue the money back to me, calling, emailing me, or trying to get in contact with me. I received a 30-day late on my credit that I have never had a mortgage payment 30 days late in my life. this is unfair and how Americans end up in financial situations we can not get out of. If my payment changed it should have been reflected when I made the XXXX payment online. I paid was was stated that was due at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute in regards to my credit concerns with the bureaus and companies.. It has been well over 30 days and I haven't received any results..
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to unresolved inaccuracies on my credit report concerning an XXXX XXXX account ( Account # XXXX ). The account, which XXXX XXXX received full payment through dealer buyback, has been incorrectly reported as a " charge-off. '' Key Issues : XXXX XXXX Reporting Error : Despite receiving in full for account, XXXX XXXX has inaccurately reported it as charged off. 
I have been unable to obtain account information directly from XXXX XXXX due to incorrect or conflicting address records. 
Experian 's Dispute Process Failure : I initiated a dispute with Experian, but they failed to resolve it satisfactorily. 
Experian has provided inconsistent contact information for XXXX XXXX, making it impossible to establish communication or verify the reported information. 
XX/XX/year> : Experian listed a XXXX address. 
XX/XX/year> : Experian listed a Minnesota address. 
XX/XX/year> : Experian reverted to the XXXX address. 
My certified dispute letters Tracking numbers XXXX and XXXX sent XX/XX/year> to both addresses failed to deliver : XXXX : Returned as " Moved, Left no Address. '' Minnesota : Marked as " In Transit to Next Facility, Arriving Late. '' Failure to Comply with FCRA Standards : Experian violated FCRA 611 ( a ) by maintaining inconsistent furnisher addresses and failing to verify the disputed information within 30 days. 
Requested Actions : Immediate deletion of the inaccurate XXXX XXXX account information from my credit report. 
Confirmation of this correction in writing. 
XXXX that both companies will address and resolve the systemic issues contributing to these errors. 
Evidence and detailed documentation, including tracking numbers, dispute letters, and Experian reports, are available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This doesn't belong to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Product: Credit card

I have filed several complaints with the XXXX regarding a Home Depot store credit card. I noticed fraud on the card, unfortunately, I had been paying my monthly bill for months prior to noticing the fraud charges due to being busy running 2 businesses. Once I saw the fraud, I contacted XXXXome Depot and informed them of the fraud and they requested a copy of my bank statement and ID and provided a fax number to submit documents to their security operations team at XXXX. After sending the documents more than 3 times to 3 different number to include XXXX, I called to confirm receipt of the documents, only to be told they were never received. I expressed my frustration to include confirmation of the transmission report reflecting 10 pages were sent OK. This dispute has exceeded the maximum time alotted for resolution to include XXXXome Depot acknowledged fault and credited my account. However, Home Depot insisted I stay as a customer and assured they would close out the fraud account. In return, Home Depot issued a new card and confirmed it was not attached to the frauduelent card/account -- this after being asked several times by me, due to the frustration and desire to not keep a card with the institution. At this point I was referred to Citibank due to Home Depot 's lack of assistance in resolution and my many escalations on more than 5 calls. Once I received the new card, I chose to use it for an in-store purchase less than XXXX. Within 2 weeks of my purchase, Home Depot added the fraud charges from the previous fraud card-which was to be closed out and confirmed as fraud done in store from the security operation team upon my investigation of the charges, and my request for the store to pull the cameras from the store to pursue the fraud that incurred -- -and Home Depot put interest XXXX fees and the fraud from the confirmed card that was closed onto the new account and card that was issued after my bank account was credited initially. 
Home Depot then reported this to the credit bureaus as non-payment and put the fraud charges back on my account. I requested this fraud account to be closed in XX/XX/year>. Citibank then closed my Best Buy card that was paid in full with no balance after this incident. Furthermore, Citibank/Home Depot reported non payment to the 3 credit bureaus which immediately reduced my XXXX credit score by XXXX points and it is not repaired since this incident has occured. This is the only thing that is affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union XXXXXXXX XXXX XXXX XXXX  Refuse to send in documentation that shows they validated a XXXX XXXX that is showing on my Transunion and XXXX XXXX XXXX from the cXXXX XXXX XXXX instead they are using a non validated third party for incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

I experienced a sudden drop in my credit scores. I requested a copy of my credit report and discovered negative remarks that were added on XX/XX/2021. The account with the negative remarks is an old closed account and has inconsistencies with all 3 bureaus. I submitted a dispute letter to investigate. A letter was sent back stating that the investigation was complete and verified as accurate, however, information unrelated to your dispute has been updated. I sent another letter requesting information on who was contacted, the method of verification etc, and was sent a second letter ( from XXXX  as well as XXXX XXXX ) with the very same, verified as accurate, however, information unrelated to your dispute has been updated. I have sent yet a 3rd letter certified with a return receipt requesting the same information via XXXX. My information has also been compromised and there are incorrect phone numbers and addresses listed. I am taking steps towards correcting this as well. All 3 bureaus have inconsistent information on this same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$580.00}
Product: Credit card or prepaid card

In XX/XX/2013, I was in an auto accident whereas I sustained injuries and acquired substantial doctor bills that had to be paid. While tending to my injuries I missed one payment which shows on my credit report and is bringing my credit score down for it shows 30 day late. I have asked this company to remove since I am a good customer who pays on time. I want it deleted for we all can not say when we will need help or have an unforseen occurrence.
Product: Checking or savings account

I received a bank accounts ( both checking and savings ) statement and a debit card from Capital One around mid of XX/XX/year>. I did not open these accounts.
Product: Credit card or prepaid card

on Wednesday XX/XX/XXXX I was looking to book a cruise for 2023. XXXXXXXX XXXX advertising in the payment section showed that if you applied for a credit card you would be eligible for a XXXX credit. Nothing about waiting to receive this card or anything like that. I was given only 48 hours to hold my cruise deal I had. So I put in the the application after the application was completed, I was notified to receive my card expedited they were going to charge me a XXXX fee. So, my credit was pulled in anticipation of getting a XXXX credit on my cruise, and the only explanation I have received so far, was that they would look into it. The XXXX customer support person would not transfer me to a supervisor and said that most people just charge it to another card then get a refund from carnival. I told her that I did not have any other card, and only did this in order to get the credit and book the cruise with the offer they had for me. She told me there was nothing she could do. I feel like this was false advertising and now my credit has been pulled, and I will also lose out on cruise deal because of both company 's poor communication.
Product: Credit card or prepaid card

I called the number that was sent to me via email for their protection time ( bluebird by amex ) yesterday XX/XX/20 spoke with a representative in regards to my account being " permanently suspended/locked for violating certain agreement section '' ( they gave me no date or when violated just stated it was due to a return policy ...? ), And I inquired about the entirety of my money when I deposited every two weeks from my previous job I worked XXXX XXXX at local XXXX. I had roughly $ 26-28 and change remaining on the card when it was locked as of XX/XX/20. The representative told me she can not " promise that I will be able to get MY money back, and there might be a chance that I might not get it back '' - due to unnamed reasons ... Which is completely absurd. I informed her I was going to be in contact with the XXXX, as well as Consumer Financial Protection Bureau due to this absurd situation.
Product: Credit card or prepaid card

XXXX/CBNA Account Type : Charge Account Account Verfied : XX/XX/XXXX Date opened : XX/XX/XXXX High Balance {$1700.00} Debe was result of identity theft!! 

Contact with banks has not been resolved