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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I contacted the credit reporting companies and XXXX XXXX. 

The XXXX XXXX XXXX is reporting a closed account on my credit report ACCOUNT ENDING IN ( XXXX ). ACCOUNT XXXX ( XXXX ). I have communicated several times by postal mail in reference to a debt validation, as the law allows me to do so. There have already been XXXX occasions that tell me that they can not validate it. I have written evidence from them indicating that they can not validate it. 

The dates of the letters received from them are XX/XX/XXXX, and XX/XX/XXXX. 

They are showing late payments, but they do not give me information, they do not validate the debt, they do not give me evidence of the late payments. It's been more than 45 days, and they don't do anything. Honestly, they are giving it time to see if I don't dispute, but I have and know my rights. 

The information shown on my credit report must be accurate, something that XXXX XXXX is not doing. 

These documents that I require are of great importance to verify the debt and the federal FCRA law protects me and gives me access to these documents. The documents that I am going to list below are the documents that I require. 

According to federal law I have the right to access all these documents. They have from XXXX to XXXX by law to respond to this dispute, if not, they must eliminate it from my credit and send a copy of my report showing the elimination of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$140.00} XX/XX/XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I was taken aback this morning when I saw inaccurate accounts on my credit report, and Im at a loss for how this could have happened. I routinely check my credit report, but this time, discrepancies suddenly appeared out of nowhere. I tried refreshing my browser, thinking it might be a glitch, but the errors remained. Due to this issue, Im requesting a thorough review of the documents Ive sent so I can be free from this XXXX.
Product: Debt collection

This is a complaint against XXXX XXXX XXXX XXXX XXXX Regarding a so called debt which I am not aware of from 2008 the original creditors XXXX XXXX XXXX XXXX from The above co obtained a judgment the XXXX XXXX court. I did not receive any communication from any of these people, now they are writing a letter stating that I owe {$840000.00} these people buy debts pennies on the dollar I am not aware of any such debt. and they are trying to collect a false debt from 2008 the statue of limitation for any civil law is 6 years this is way past the time and I do not owe any one such a debt. the above law office is intimidating and harassing me under the guise of law firm or a debt collector I want this people to stop the letter d of intimidation and harassment
Product: Credit card or prepaid card

I purchased an item online at Best Buy in the month ofXX/XX/2018 for {$360.00} but I canceled it because it was delayed for over 10 days. After a few days I received my refund for {$360.00} and then I checked my online statement and I was charged again for the same price for a transaction date on XX/XX/XXXX but I never made another transaction for the same amount. I called Best Buy and first they said it will be fixed in the next month statement. In XX/XX/XXXX I saw the bill again and I called again and Best Buy said I made a second transaction but I told them I never did a second transaction for the same price and they said they will fix it. I called after a week and Best Buy said I need to pay the bill and I canceled my Best Buy account.

Below are the details for the transaction : EXPIRATION DATE XX/XX/XXXX126 Days Left PROMOTIONAL BALANCE {$360.00} NO INT W/PYMTS FOR 06 MOS ORIGINAL TRANSACTION AMOUNT {$360.00} TRANSACTION DATE XX/XX/XXXX DEFERRED INTEREST {$9.00}
Product: Vehicle loan or lease

Honda Finance repossessed vehicle and refuses to accept payment to reinstate contract
Product: Credit reporting or other personal consumer reports

I was informed by my tax preparer in 2019 that my personal information was lost during a business relocation. I was advised that she had made the necessary steps to report the incident to the authorities, and was advised to monitor my credit report and accounts going forward. I recently pulled a copy of my credit report and I see accounts and inquiries that I have not authorized nor any knowledge of. The accounts include : XXXX and XXXX XXXX XXXX XXXX. I also see credit inquiries made from XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have no relationship with these creditors. 

I've contacted the credit bureaus twice via mail and once by mail attempting to get this resolved. I have yet to receive a formal response I have the right to privacy and reporting accounts without my written consent is in violation of 15 USC 1681B Also furnishing accounts that in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that any address listed that I've never resided be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX TXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CITI XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30, 60, and 90 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I contacted Equifax multiple times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30, 60, and 90 days late since it's a closed account & Ive never been late. Please investigate this matter & update accordingly. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX  charged my Chase M/C credit card without my authorization. The charge was made in the form of " Cramming '', defined by FCC. 

Around XXXX XXXX, I contacted XXXX XXXX XXXX  in order to resolve the problem. However, I received run-arounds. Thus, the next day I decided to file a dispute online with Chase M/C credit card. However, filing disputes online was not available and the website instructed to call the Chase M/C dispute department.

When, I called the dispute department, they treated me like I was a criminal, asking various questions to mislead me to acknowledge that the charges in dispute were legitimate. I disagreed and filed the disputes anyway.

The next day, I received few phone calls from Chase M/C representative . They informed me that the charges in dispute were legitimate. When I strongly disagreed, the representative hang up on me and closed the dispute against my favor..
Product: Debt collection

I have filed a previous report with CFPB due to synchrony banks contact and refusal to accept police reports and id theft reports from local police. This account is not the only one that was obtain, all others have been closed and removed from my credit. 
This bank for Walmart credit card has refused to remove their reporting from my credit and is now contacting friends, family and employment stating I dont pay my bills, which I have no bills and dont use credit cards. This account isnt mine and I am not paying someone elses fraud
Product: Credit reporting or other personal consumer reports

I contacted XXXX, Experian and XXXX via telephone in the month of XX/XX/XXXX, the person who assisted me told me that the inquiries that I was requesting to be removed would be deleted from my report, but when I reviewed my Report weeks later they were still there. I decided to send a written letter first asking them to correct my personal information and then I sent a second written letter requesting that they delete the inquiries that had inaccurate and uncorroborated information that appears in my Credit Report, but they did not respond to me. These are the queries 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 XXXX
Product: Mortgage

Previously with XXXX ( had a forbearance agreement to defer payments to end mortgage XXXX ) Made 6 payments with XXXX before transfer to Selene. Then denied by Selene for loan modification due to reduced income. I offered to continue making payments but was told can only pay the deferred amount of {$60000.00} to avoid default
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


1. ) Account Name # : XXXX XXXX / Account # : XXXX Reference # XXXX, {$8800.00} 2. ) Account Name : XXXXXXXX XXXX XXXX XXXX {$440.00}, Account # XXXX 3. ) Account Name : XXXX {$240.00}, Reference # XXXX XXXX Account # XXXX T

hese companies has violated my rights!

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

I have already submitted several letters sent via certified mail to resolve these inaccuracies and received no proof or help of these accounts
Product: Debt collection

i have disputed information many times for removal, my request was to provide all statements with charges and balance information for XXXX thru XXXX due to being held in a XXXX XXXX XXXX XXXX my agreament was with XXXX XXXXXXXX not LVNV FUNDING
Product: Payday loan, title loan, or personal loan

My husband and I were interested in having solar panels added to our home. I contacted Ygrene three times and spoke with three different people about getting funding for this project. All three people told me the amount we qualify for is dependent on the equity in our home ( which is currently about {$40000.00} ). We were advised three times to have an appraisal conducted. We had the appraisal conducted, which cost {$280.00}. 

When I made the fourth call to find out how to send them a copy of the appraisal and a copy of the written solar installation proposal, I spoke to yet another person. She told me funding is based on the amount of equity UP TO A LIMIT OF 10 % OF THE HOME VALUE. For us, this is only {$12000.00}, which is not enough to complete the project. Had I been told this previously, I would not have spent the money to get the appraisal done as I would have known it would not be enough funding. 

Additionally, Ygrene 's website states, " Approval based on home equity and ability to pay, '' and " Approval based on home equity. '' Nowhere in the website is a limit of 10 % of home value discussed. 

Ygrene 's advertising and even their agents are deceptive.
Product: Checking or savings account

On XX/XX/2021 I saw a transfer of {$320.00} on my checking account with no explanation of the transfer. I then called the bank, Navy Federal, to inquire about the transfer and the rep informed me that it was transferred to a credit card. She stated that I, the consumer owe this alleged debt, stating that it was in an agreement that I am not aware of. I did not authorize of expressly authorize any amount to be transferred to any alleged debt they are stating that I owe.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a cfpb complaint towards Experian ... .I submitted a 4 day block and remove ( 15 U.S. code sec 1681 c-2 ) T have these accounts blocked from my consumer report See attached documents for the accounts listed below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX without any response here is my certified mail numbers : # XXXX and # XXXX this is my second request /complaint as well as a NOTICE OF DEFAULT NOTICE OF OPPRTUNITY TO CURE with hopes of resolving this matter
Product: Mortgage

XXXX XXXX XXXX my home went to sheriff sale with Wells Fargo. We are being evisted. We can not get a place to live due to bad credit repoting by Wells Fargo. They are reporting my foreclosure with XXXX different account numbers, delinquencies, and 2 monthly payments requiredntotalling over {$4000.00}. Wells Fargo changed my acct number in XXXX. Now both are reported as owing XXXX different payments. The Wells Fargo mortgage was transferred to XXXX XXXX when sold at sherriff sale. XXXX XXXX XXXX a second loan is also reported as delinquent of which was settled in the foreclosure and sherriff sale. They have not reported this activity correctly please help. The foreclosure was illegal since XXXX they drag it out so that my statue of limitations expires so I can not take recourse. They chain of title is also incorrect how can they sell it to a new buyer.
Product: Credit reporting

XX/XX/XXXX I was alerted by XXXX XXXX that I had XXXX inquiries added to my report. This dropped my credit score by XXXX points overnight. I had not applied to anything so not sure why XXXX inquiries were added to my report. I also have not been notified by Transunion in writing that these had been added back to my report per FRCA Section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are " numerous '' accounts that were possibly accidentally deleted from my credit report and it damaged my report and scores tremendously. I contacted Equifax and spent over an hour with the representative, however, the representative indicated that my old " good '' accounts are forever deleted! This is now putting a strain on my good credit rating. I have attached all my OLD accounts that were accidentally deleted that needs to be put back on my Equifax Report. 

** I have provided a document that shows ALL the good accounts deleted. 

** I have provided a one month old credit report that dictates all the older information ( some of which I have disputed for ID Theft, but includes the " good accounts that should have NOT been deleted that shows in the deleted documents ), and ** I have provided a CURRENT credit report that " no longer '' show that good accounts which SHOULD be reporting.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX : number : XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an XXXX XXXX account : XXXX that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.