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

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXXXXXX have 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.
Product: Debt collection

I am WRITING to EXPRESS my EXTREME FRUSTRATION and ANGER about the account on my credit report that shows an INACCURACY. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$420.00}. Let me CLARIFY that this was due to an ERROR, and I DEMAND that you REMOVE this account from my credit report IMMEDIATELY. I already SUBMITTED a dispute to XXXX and XXXX regarding this issue, and they have ALREADY REMOVED it from their records. They FOUND an ERROR and were able to VERIFY it. I'm CONFUSED how you've VERIFIED this account while the other bureaus have ALREADY REMOVED it. Please DELETE this account from my file. It is INACCURATE, ERRONEOUS, INCOMPLETE, or UNVERIFIABLE. I was the VICTIM of this error, and I'm NOT SURE why the credit reporting agency is NOT COMPLYING with the law. The other bureaus have FOLLOWED SUIT. I'm VERY CONFUSED why this one seems to IGNORE my REQUESTS. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The follow account and Inquiry information does not belong to me. 

XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$410.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I filed for Chapter XXXX Bankruptcy on XXXX/XXXX/2016 at which time I requested affirmation paperwork from OCWEN my mortgage holder. The week after my filing, OCWEN stopped reporting my payment and reported my account was delinquent. My account has never been delinquent as shown in the attached documents from the OCWEN website. I file a complaint with XXXX and XXXX and OCWEN has refused to update my credit record to show that the account was current. On XXXX/XXXX/2016 OCWEN finally sent the affirmation paperwork to my lawyer, on XXXX/XXXX/16 I signed the affirmation paperwork and my lawyer submitted. Today XXXX/XXXX/2016 I was notified that XXXX that per OCWEN ( see attached ) that my account went delinquent on XXXX/XXXX/2016 and there has been no payments since then. I am asking for your help to get OCWEN to report my payments and account status accurately. ( never late and current )
Product: Credit reporting or other personal consumer reports

The Bankruptcy Reporting on my credit file belongs to a XXXX XXXX
Product: Credit reporting or other personal consumer reports

My mortgage was paid in full on XX/XX/2024. Delinquent account information was falsely reported to various credit reporting agencies on XX/XX/XXXX XXXX XX/XX/2024. This in turn reduced my credit score by almost XXXX points after having an exceptional credit score for several years with not one payment late. Contacted reporting agency and the bank who reported it [ wellsfargo ] for various recorded phone calls stating that my credit report would not be affected as long as the loan forbearance was caught up or paid in full by XX/XX/2024. I was informed the recorded phone calls would be reviewed and corrected pending information recorded during several phone calls prior to confirming the loan forbearance. The only reason the forbearance was accepted is because I was repeatedly promised that my credit would not be affected by the terms laid out in which were followed 100 %. Proof of account standing in XX/XX/2024 that shows up to date is available. Please help in this ridiculous false claims made by the lender wellsfargo. I was also promised during a recorded phone call that my loan would never be sold. 2 months Into my mortgage wellsfargo sold my assets to fanie may without any type of communication at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is falsely representing my account as a charge off and previously pass due though the account was in a hold period and all debts on the account were paid in full in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX  Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021
Product: Mortgage

I contacted my present mortgage lender, Bank of America, to attempt to get my loan refinanced for a lower interest rate ( instead of my 6.5 % ). I spoke with a representative by the name of XXXX XXXX XXXX # XXXX XXXX. She advised me that Bank of America no longer does loans on anything with a VIN number. I have a mobile home that is on a fixed foundation with brick underpinning. The county tax assessor 's office classifies the property as Real property ( not personal ). The original underwriting attaches a lien to the land with the mobile home attached. In other words, the mobile home ca n't go anywhere. The fact that I have a current, good-standing mortgage with Bank of America, should entitle me to the same right I was afforded when they purchased by original loan -- the option to refinance at rates that are reflective of individuals with my payment history, credit score, and real value of the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

SUPORTING DOCUMENTATION THAT THIS COMPANY HAS VIOLATED MY RIGHTS AND CONSUMER. YOU ARE IN VIOLATION OF TRUTH AND LENDING ACT 15 USC 1601 AND AGGRAVATED IDENTITY THEFT 18 USC 1028 A.
Product: Debt collection

Medical services were pre-approved by my insurer XXXX, it was covered under my group health plan. XXXX paid said claim. Central States, the collection company is repoting false and incorrect information. 
Claim was paid, debt now owed. 
Their claim of when account was opened is impossible as I the services were rendered in XX/XX/XXXX and I did not have XXXX insurance in XX/XX/XXXX nor work for the same employer. 
I have contacted Central States and they refuse to accept documentation from the insurance company, EOB or any other documentation to prove it is false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax added inaccurate late payments to a nelnet account after they removed
Product: Debt collection

this debt collector enganged in abusive deceptive and unfair practices of the FDCPA which it prohibits .they furnished this account that we dont agree upon and i didnt sign an agreement on a legal contract is signed by two parties and i did not participate in any of ti More so they didnt follow the proper 5 step validation procedure which make this unfair practices
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following fraudulent accounts and inquiries that appear on my credit report. These entries were added without my authorization and are directly linked to identity theft and potential data breaches. As a victim of identity theft, I am asserting my rights under federal law to have these inaccurate and fraudulent accounts and inquiries removed immediately.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Team, I am writing to formally dispute inaccurate and fraudulent information on my credit report. I have been a victim of a XXXX XXXX virus, which resulted in unauthorized transactions on my accounts. Despite informing the financial institutions involved, they have continued to report incorrect late payments and delinquencies, which have negatively impacted my credit standing. 

I request that you investigate and remove all fraudulent and disputed entries from my credit file related to the following accounts : Disputed Accounts : XXXX XXXX ( Reference # XXXX ) XXXX XXXX XXXX XXXX XXXX ) ( Reference # XXXX ) XXXX XXXXXXXX ( Reference # XXXX ) Personal Information for Verification : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX XXXX of XXXX Account : XXXX The reported information is incorrect as the transactions in question were unauthorized due to my accounts being compromised. I request that Experian remove these negative marks and update my credit report accordingly. 

I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I kindly ask for a prompt investigation and resolution. Please provide a written confirmation once the disputed information has been corrected. 

Thank you for your time and assistance. Please let me know if any additional documentation is required. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XX/XX/2020 and XX/XX/2020, I have asked Experian to Verify the accounts on my credit file are Accurate and complete and they have failed to investigate. According to the tracking numbers, they have been delievered and received by Experian. Over 120 days have passed and Experian has not produced the result of their investigation with an updated report on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up prior to my previous complaint to ensure that the fraudulent items in my file are ultimately removed. 

Please Remove these items : XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXXopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters to XXXX and Transunion for months now and I have repeated myself over and over again. CFPB amp up and delete the accounts XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Student loan

I have never signed an agreement. This is not the original creditor. This is a duplicate account. 

Title 16 CFR 433.1 Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. 

18 U.S. Code 1341 - Frauds and swindles Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the XXXX XXXX XXXX XXXX XXXX and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. 
( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX ; XX/XX/XXXX, XXXX. XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, ( XXXX ) ( j ) ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXXX, XXXX ( i ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXV, XXXX ( h ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXV, XXXX, title XXXIII, XXXX ( XXXX ) ( H ), XXXX XXXX, XXXX, XXXX Stat. XXXX, XXXX ; Pub. XXXX XXXX, title XXXX, XXXX ( a ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$960.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

for cresenet to infomed me of the remarks on my XXXX  file
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$110.00}. These account have resulted in several fraudulent hard inquiry and fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiry in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned collection, or hard inquiry as reported. The aforementioned collection, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned collection, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer collection, and hard inquiry are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to XXXX ( XXXX ), Experian ( XXXX ), and XXXX ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

WESTLAKE SERVICE INC is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Checking or savings account

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureau that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance {$270.00} XXXX XXXX XXXX Balance {$1200.00}
Product: Student loan

I was never fully informed that I need to consolidate my loans to be eligible for forgiveness. I was told that because I work for a non profit and I am on the " Income based repayment '' plan, I would have my loans discharged after x amount of payments. Three years later, in conversation with a representative, I was told that because I did n't consolidate I am out of luck. I consolidated, but now have ten more years of payments.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/2023 Credit Bureau Name : XXXX, XXXX, and XXXX, XXXX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete all inaccurate names : Correct name spelling is : XXXX XXXX Please delete all inaccurate addresses : Correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all telephone numbers : no phone number. 
Please delete the following inaccurate employers : No former employers. 
Please delete XXXX XXXX account due to FCRA violation in reporting late payments for a charge-off, closed, inactive account. The incorrect reporting has already wrecked havoc on my credit score. 

I never gave anyone authorization to furnish my personal, confidential information. please REMOVE immediately! 

I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX