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

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 PA XXXXXXXX XXXX  Immediate Request to Remove Inaccurate Information from Rental Screening Report Dear XXXX XXXXl Screening Department , I am writing to formally dispute and demand the immediate removal of inaccurate information reported through your rental screening service that has significantly impacted my ability to secure housing. The information in question falsely states that I owe a {$250.00} balance to a company referred to as XXXX  XXXX which is entirely incorrect and unsupported by any factual or legal basis. 

This erroneous reporting has jeopardized my housing application for a unit at the XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. where only XXXX unit remains available. The inaccurate information provided by your rental screening has placed me at a severe disadvantage and caused undue stress, inconvenience, and harm to my reputation. 

To support my dispute, I have attached : XXXX. A copy of the XXXX XXXX XXXX XXXX XXXX records, which clearly shows there is no such record or judgment against me. 

XXXX. Evidence that this information is not reflected on my XXXX credit report, further proving its inaccuracy. 

As this information is inaccurate, it is a violation of the Fair Credit Reporting Act ( FCRA ) to continue reporting it. Under the FCRA, you are obligated to investigate disputed information and either verify its accuracy or promptly remove it from your records. If the information can not be verified within 30 days, it must be deleted.

Additionally, I am invoking my rights under the Fair Housing Act, as this inaccurate information has prevented me from obtaining suitable housing, which constitutes a violation of my consumer and housing rights.

I am requesting : 1. An immediate investigation and resolution of this matter.

2. Confirmation in writing that the inaccurate information has been removed from your records.

3. Details of the actions taken to prevent this from occurring again.

If I do not receive a resolution within 3 business days, I will have no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. I will also seek legal remedies to protect my rights and recover any damages caused by this erroneous reporting.

Please prioritize this matter and provide written confirmation of your actions to the contact information provided above. 

Thank you for your prompt attention to this urgent issue. 



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

I have never authorized, consented to nor benefited, from the following accounts/injuries, please remove the following within 4 business days pursuant to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This debt is being disputed directly with the university. Regardless of that fact they sent it to an aggressive debt collector. This collector has called almost daily and today called a family member who is in no way connected to this disputed debt. On this call they did not disclose they were a debt collector, which is illegal, and they were trying to verify my information.
Product: Bank account or service

On XX/XX/2016 XXXX unauthorized transactions were posted to my Wells Fargo checking account in the amount of {$450.00}. XXXX was a credit and the XXXX a debit transaction. The next day, XXXX those transactions vanished from my checking account history. In an effort to find out why the transactions occurred in the first place and why they later disappeared, I contacted my bank by phone initially and later went to my local branch in XXXX, GA. To my surprise, I did n't get any answers from the XXXX employees I spoke with on the phone or the XXXX employees at the local branch. They all appeared to be dumbfounded after researching my inquiry and finding no record of those transactions anywhere in the bank 's records or my account. That is until I provided my account activity records that I printed the day this happen. It was at this point the branch manager stated, " An employee must have made a mistake and reversed the transaction which removed it from my account records. '' If that is the case, where is the audit trail/source records on the bank side? The manager could not provide an explanation to this question. On the same day similar transactions posted to my mom 's savings account and the next day they vanished. Unfortunate, I ca n't prove it, because I did n't print her account activities. This is scary, an employee has the ability to delete/reverse transactions from a customers ' account and the banks own history. This puts me and every other customers ' account at risk of all sorts of misdeeds. Nobody 's account is safe! I have serious concerns of this bank 's internal and ethnical practices. Attached is page 1 of my checking account activity records that I printed which reflects the {$450.00} transactions. Also, the account activity of my checking account provided by my branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX  has violated my rights. 15 usc 1681 section 602 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 a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

My issue concerns historical payment data which I have challenged prior, as is being reported and transmitted by Credit Acceptance Corp. The main issue is that the account, which was paid closed in XXXX, is being reported as reaffirmed as of XXXX. Which is dredging up the late history, which is disputed as erroneous by servicer, and it is adversely affecting both my credit score and loan prospects.

I have asked Credit Acceptance to investigate the matter, which they know is inaccurate. However, they do not and simply state that they have complied with the law that requires they do so, namely, the FCRA. No compliance has ever been met, because I have not once received documentation to this effect. Still, the way in which Credit Acceptance is reporting old data is affecting me in real time. And I'd like for this to be corrected.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries Off my credit profile From XXXX, Equifax and XXXX immediately! 

XXXXXXXX XXXX XXXX XXXXXXXX {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} XX/XX/XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be 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  this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. 

XXXX XXXX XXXX Balance {$120.00} This account was opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this account was created on mistaken identity, this account is not mine. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of this company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upstart is a huge scam for low income people, I got the loan to pay off my bills and whenever I missed a payment because I lost my job they wouldnt pause it and kept charging me interest and sent it to collections and didnt understand my situation its so predatory
Product: Credit card or prepaid card

After contacting the bank customer service, it is said there're unusual activities to my credit card. During XXXX, my account was paying another card ( which is not my account ) XXXX transactions of {$14000.00}, {$600.00}, {$1700.00}. It was frozen yesterday ( XX/XX/18 ).
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SP XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank has sent me multiple notifications that I have been denied an XXXX XXXX XXXX card. I have never applied for such a card, and have no intentions of doing so. I've previously contacted Chase directly to let them know that an application for this exact card was fraudulent, and they issued information to XXXX to correct my credit report, but it has happened again. They should have taken steps by this time to prevent the error from being repeated, but yet again I have to resolve the issue rather than them preventing fraudulent credit applications in my name which seem to only ever occur for this particular card with this particular company. I'm sick of this XXXX. 

Chase reference number XXXX
Product: Credit reporting or other personal consumer reports

I have hard inquiries from XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have reached out to all companies closed accounts and sent information to all 3 credit bureaus they refused to remove false information which is destroying my livelihood, I also have placed fraud protection on my report and they refused to help
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed there are fraudulent accounts linked to my credit report that werent authorized by me, please remove the accounts that were stated in this report off of my credit report, they are hurting my ability to have a good credit score, thank you and have a great day!
Product: Debt collection

please provide proof you own this debt and for how much and provide i the consumer with a proper notice of debt validation in accordance with the FDCPA my home was destroy and i have not received any mail in over a year, please up load response on cfpb portal thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing up as inaccurate on my credit profile and I don't appreciate this account showing misinformation on my report. This is going against my regulation Z act.
Product: Debt collection

During my recent credit check I have noticed a claim by a collection agency for {$1700.00} for unknown services which dropped my credit score by XXXX points. I sent a certified letter to this collection agency and the letter came back as undeliverable, and return to sender. The company in question is ARS ACCOUNT RESOLUTION or ACCOUNT RESOLUTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
Please find attached attachments regarding this correspondence.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number, as well as documentation and that I did not bring the account current as promised in the accommodation. Reasoning needs to be provided as to why the CARES ACT will not be honored under the modification that was made with XXXX XXXX XXXX XXXX. If you can not provide me with this information in 15 days, update the account to CURRENT/PAID.
Product: Debt collection

I spoke with a rep this morning @ commentity bank. I tried to tell her i had lost my job but can start making low monthly pmts since I am only making minimum wage. She said no they wont take anything lower then {$200.00} and then threatend me by saying I hope you have a lawyer because were going to sue you. I started to cry because I am young and nearly homeless but am trying to pay back what I owe. I told her i was driving so can she call me @ later time so we can talk about this. She said " nope '' and hung up on me
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. 
XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # : XXXX This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX
Product: Mortgage

I went to pay my mortgage thru XXXX XXXX like i usually do and was told that XXXX XXXX could not accept my payment and that i needed to call my mortgage company to find out why.So i call NationStar and they told me my mortgage was raised because my city taxes went up.I informed them that i had not received anything saying my monthly mortgage payment had went up and that my taxes had not went up. But was told i had to pay almost 300.00 more than my usual payment. I then asked if i could pay the {$1000.00} right then and get the rest and pay that later and was told i could make my full {$1400.00} payment on line if i got it before midnight.but when i tried to make it online I wasnt allowed and the next morning when i called they told me it was a new month which put me 3 payments behind and i had to pay 3 payments to catch up or id go into foreclosure
Product: Credit reporting or other personal consumer reports

I have written several times that I never authorized any inquiries on my report XXXX has removed each inquiry from my report and I have written to Equifax and they are refusing to remove the information that is not accurate from my report causing me extensive damage
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Infiniti Financial SVCS acct # XXXX. has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX continues to work with Wells Fargo Bank in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, XXXX  and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both XXXX and Wells Fargo Bank has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations.
Product: Debt collection

This debit was paid sometime last year & if there is a new account it 's bogus! 

Account Details Last Reported XXXX XXXX, 2017 Collection Agency DIVERSIFIED CONSULTANTS INC Original Creditor XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Account. 
Balance {$260.00} High Balance {$260.00} Remarks -- Creditor Contact Details DIVERSIFIED CONSULTA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Checking or savings account

My checking account was utilized to deposit fraudulent checks. Once I noticed deposits into my account of roughly {$10000.00}, I placed a claim with my bank. After the claim was processed, the bank closed and dismissed it. However, the transactions made in my name were false for I did not authorize them yet the did authorize regardless of them being fraudulent.