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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Mortgage

On XX/XX/XXXX, I made application via my mortgage broker for a Real Estate Secured Loan with US Bank Home Mortgage. 
1. US Bank issued a Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
The required information was provided by myself and my broker within the specified time limit. 
2. US Bank required more information / documentation XX/XX/XXXX. 
The extra required information was provided by myself and my broker within the specified time limit. 
3. US Bank issued another Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
Some of the items on their list had already been supplied, however everything on the list was submitted or resubmitted by myself or my broker within time limits. 
4. US Bank issued a definitive Loan Estimate XX/XX/XXXX - 15 year@3.875 ( rate locked ). They required NO further information at that time. 
5. 0n XX/XX/XXXX, my mortgage broker notified me that US Bank was backing off on its contracted offer. 
a. He believes that the bank determined it to be high cost due to their own guaranteed rate lock. 
b. Furthermore, he received a list of several more unusual documents and forms that the bank was now demanding. 
c. He asked to file for an extension on the rate lock, but the bank refused. 
6. At this point there are some inappropriate legal issues that US Bank seems to be ignoring in the interest of profits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer.

The dispute items do not belong to me. 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. ) XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. 

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: Credit reporting or other personal consumer reports

I have written multiple letters to the credit bureau informing them of the errors listed on my report regarding my personal information. I have asked them to remove the incorrect name and address listed on my report and they have failed to do so.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

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

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX 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

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the non-compliance of XXXX, XXXX, and Experian with regards to inaccurate reporting of my personal information. Despite my repeated attempts to address this issue, they have failed to rectify the situation. 

In my previous correspondence with XXXX, XXXX, and Experian, I have clearly stated that they are reporting incorrect variations of my address. This has resulted in embarrassment and confusion for me. I have provided them with the correct and legal versions of my personal information, including my full name, current address, date of birth, Social Security Number, and employer details. 

The incorrect addresses that need to be deleted from their records include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Additionally, the employers XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX need to be removed as they are inaccurate. 

I am deeply concerned about the potential negative impact this inaccurate information could have on my future employment and creditworthiness. It creates the false impression that I have been residing at multiple addresses simultaneously, which is not the case. This could harm my chances of securing employment or obtaining credit. 

I have enclosed copies of my driver 's license, social security card, and utility bill as proof of my identity and correct information. I have made multiple attempts to resolve this matter directly with the credit bureaus, but they have failed to take appropriate action. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to ensure compliance by XXXX, XXXX, and Experian. Their inaccurate reporting not only violates the Fair Credit Reporting Act but also puts my financial reputation at risk. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Debt collection

Gatestone has been calling me repeatedly starting on XX/XX/2018. They were calling 2 to 4 times a day from different numbers. They were also calling my XXXX year old daughters phone. I called them to find out what it was about, was told it was an XXXX XXXX XXXX bill. I asked them to send me a paperbill, they said they had although I have not seen anything from this company. They refused to send me a paper bill and informed me if I hadn't received their letter it was my problem.
Product: Credit reporting or other personal consumer reports

The laws established by XXXX to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep getting stall letters in the mail ; which in fact IT IS ME disputing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was closed on XX/XX/XXXX approximately to a 0 balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. 

I have called XXXX XXXX XXXX XXXX XXXX XXXX and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. 

I have disputed this problem with Equifax time and time again. XXXX  is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to file a complaint against all three credit bureaus. On XX/XX/2021, I completed an inquiry dispute with all 3 credit bureaus, with no responses. On XX/XX/2021 I sent a second letter requesting another investigation after no responses from neither credit bureau. Today, is XX/XX/2021 and I have received no response again. The bureaus are in violation of my rights as a consumer based on the FCRA guidelines
Product: Debt collection

XXXX has collection account on my credit report for the amount of {$510.00} with XXXX adjustment services. This amount is incorrect and they're charging me for equipment that was mailed back to them in XXXX XXXX XXXX I had stopped service with them due to the fact that they were hacked and my XXXX XXXX with them was jeopardized and I had problems with my credit trying to be used since then. They are charging me for a fee that was mailed back to them for an equipment which was the XXXX XXXX and they're charging me for the last month of services which I explained to them I was not paying because due to the hack and I wanted to change services which I did I stopped using XXXX because of the breach in their contract and their service was terrible now I find that they're charging me for equipment that was mailed back and the last month of services which I refuse to pay because my personal information was breached on their end and I spoke to them about that now they're charging me and having {$510.00} which is not the correct amount it was only {$50.00} for the month service which I told him I was not paying because I was going with somebody else because of their breach of contract and the XXXX XXXX was hacked. They're charging me {$510.00} which they're saying it's the equipment and fees and last month 's service which I do not owe them. Due to their breaching contract and equipment was mailed back to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

late payments for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX need to be deleted. payments are not late. see attached communication from XXXX XXXX to remove late payments.
Product: Checking or savings account

Sir/Madam On XXXX XX/XX/2023 I received my case was being defrauded but I still have not received a response from you even regarding that all reasonable time frame is over already. I would kindly ask you to let me know what stage my case is. 

Best regard XX/XX/2023 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have inquires I do not inquire or recognize on my account my information was exposed to the data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting what I strongly believe is credit manipulation, back dating of false hard inquires, on the part of Experian. 

There are 2 credit inquires on my report that were confirmed to not have happened by two separate Creditors. One of which is from XXXX now and this was not even on my report when I checked it last year in XXXX. So how did this appear on my report in XXXX from XXXX? I want it removed immediately please. 

The first was XXXX XXXX : Apllied first and only time on XX/XX/XXXX However Experian has this and a date of XX/XX/XXXX. I never applied or even visited the XXXX XXXX site before the day I applied on XX/XX/XXXX. 

The second inaccuracy was XXXX XXXX XXXX Reported on XX/XX/XXXX I never applied for XXXX XXXX and a XXXX XXXX in the Delaware office confirmed this today over the phone. 

If this was fraud, the inquiry dates would not appear pre dated this long and years after which is why I think this is an internal cause. 

The amount of time myself/anyone loses over the issues while companies like experian remain almost untouchable while perpetually complicit of negligence, is deplorable. 

*I have a long history of exceptional payment with all credit beaureas, no negative reports, over 710 credit score with XXXX and XXXX but Experian feels my Credit score should have been a XXXX. 

*THE SAME week I applied for a XXXX  card with a credit score minimum of XXXX. 

*Yet, suddenly and after I was denied by XXXX XXXX my score went from that XXXX up to XXXX with Experian a week later ... with no changes with my reporting since my XXXX application on XXXX. 

Somehting is right and I am very interested in learning what and why. 
Although. They also dropped my credit score 79 point *after I paid off the only debt I had of {$240.00}. 
If scores are being falsey reported, there needs to be justice. I almost couldnt have a needed XXXX in XXXX because of the credit inaccuracy last year. I didnt and still dont have ins so the loan was neccessary. 
These matter have a signifficant impact on a persons life and the level of stress it has caused me is profound. 
They were informed about the XX/XX/XXXX XXXX XXXX inquiry and would not acknowledge the issue. So how can it be corrected? No one answers phone at Experian and on 2 occasions last year, one rep hardly speaking English, hung up and another rep also hung up. The level of anxiety I feel dealing with them is unbeatrable. There is no email, no call reps and so we have to write them by mail? So I have to wait a month for them to correct a problem that was not my doing if they correct it at all? 
**Experian is a hard pushing credit card company I feel and its self interest is nothing short of Inside Trading with keeping certain people at certain credit score levels to corral them to these lower score credit companies. 
They should not have so much power and it truly is the responsibility also of the public to contribute to this moderation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete the following accounts XXXX  XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX   HOSPITAL ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  HOSPITAL XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I transferred {$1200.00} to my aunt today XX/XX/22. I transferred it through XXXX with expectations of it being delivered within the hour. The service charge was {$16.00}. My aunt called and stated that they would not release the funds until I contacted the servicer : RIA Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX ( XXXX ) XXXX. 

When I contacted RIA, I was told it was under review. WHY are funds that were sent from Nevada to My Aunt in Idaho under review when cash money was paid to be transferred. There is no notification of cash funds being reviewed on any of my receipts. 

The Reference number on this transaction : XXXX. 
The receipt states " Date Available for Recipient XXXX ''.