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

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Mortgage

I had a lost in the family, lost some income the hurricane and after 6 months they just told me they cant help me
Product: Checking or savings account

I was charged an overdraft fee for a debit card transaction and I have not elected to " opt-in '' for overdraft " protection ''. The transaction is as follows : Transaction Description Amount Action Fee RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXXXXXX  XXXX {$12.00} PAID {$35.00}. 


I was offered a refund of half of my fee, which I accepted at the time, as it was better than none, however I believe that this practice was unlawful. 
I also deposited {$100.00} into the account of the day that the account was overdrawn, before a debit card purchase was posted and received a 2nd overdraft fee for an ACH. The account reflected a positive ~ {$22.00} balance after the deposit. The next morning, ( today, XX/XX/2019 ), I log in to my account to see it negative ~ {$48.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted US Bank today regarding the payment I made on my credit card with them. The balance is paid in full and I owe nothing on the credit card but the payment did not reflect on my credit report. The representative I spoke with told me that it will be reported when the credit card cycles in XXXX. I mentioned to the representative I spoke with that the last activity reported was XX/XX/2021, the month of XXXX activity has not been reported. The representative proceeded to tell me to dispute it with the credit bureau. US Bank has been inconsistent in reporting my account activity to my credit report. A lender pulled my credit report and informed me that US Bank has reported my mortgage payment as not current when all my payments were current. The lender who pulled my credit report is now asking for a letter from US Bank stating that I was not late for more than 30 days for the past 12 months on my mortgage payments and US Bank is dragging its feet to provide that letter to the lender. I want US Bank to fix this ASAP. Thank you for looking into this.
Product: Checking or savings account

I tried to deposit checks into our business account and was not allowed. When I asked I was told that Arvest Bank did not want to do business with us. I have been banking with them since 1994. We have not done anything suspicious with the account. Paid bills and made deposits.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL FOR IT IS WRITTEN BY CONGRESS in accordance with 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. 

I hereby demand that you provide me with detailed evidence of the information received from the furnisher, demonstrating compliance with 15 U.S. Code 6801 and 15 U.S. Code 6802. This evidence should unequivocally establish that the reported information meets the standards of accuracy as required by law. 
[ [ [ [ Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX - XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX ] XXXX XXXX ] If you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED PREVIOUSLY Failure to rectify this matter promptly within [ XXXX  days ] may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a written response from your institution confirming that corrective measures have been taken. 
Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

I've sent numerous certified letters, demanding that I wanted all inaccurate information removed and that I wanted all the closed accounts removed from my consumer report, as Transunion did not receive my written consent to publish anything Pursuant to XXXX XXXX XXXX. I am not a third party and am the natural person, consumer and creditor.
Product: Mortgage

They falsely reported my mortgage in deferment starting XX/XX/XXXX but my account was current on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Has violated my rights, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a Account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit Account under an open end consumer credit plan as late for any reason.
Product: Mortgage

Ditech and Green tree serviving has filed to put my home in foreclosure without offering me HARP or any modification even though the loan was serviced before 2009. Also claimed to put home in default because of exhusbands non answer to petition even though they said they removed his name from loan even though i sent in my response.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/year>XXXX  : XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

Company sent me a copy of the lease, The signature is no my signature, they use a passport That passports was missing, I tried to talked with apartment but they doesnt exist anymore I going to report this with police department The company professional debt mediation Said they cant provide information about who hired them They messed my credit up I really need a clean credit to buy a home I dont know what I can do about this
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i wrote and sent certified letters to all three credit bureaus. XXXX, trans union, and XXXX. I stated there was inaccurate information constantly being reported on my credit report. XXXXXXXX XXXX XXXX is a collection account that is reporting not only as OPEN but also shows a past due balance of {$920.00} and sometimes {$920.00} it varies every month when they report. they are also reporting late payments when there is no due date. this is a violation of the FRCA and of requisite XXXX COMPLIANT REPORTING STANDARDS, XXXX XXXX false payments with discrepancies in dates in the payment history section. claiming paid on XX/XX/XXXX then missed payment on XX/XX/XXXX of a closed/charged off listing which is also being reported as Past due in the amount of {$710.00}. this account was charged off and closed in XXXX. 
I asked all three bureaus to remove false/ inaccurate information and verify these debts if not I would like them removed. 
I got a response that everything was verified with little to no change. XX/XX/XXXX i sent a Method of verification letter asking how they did their investigation. I asked specific questions like who they spoke to and the name of the creditors with original documentation, etc. I expected a response in 15 days in accordance with FRCA 611. or it needs to be deleted. 
what I have received is a letter from XXXX in a timely manner, saying the reinvestigation has been done and is verified. no other proof was provided even tho I clearly asked for detailed information about the investigation. 
i received a letter from TransUnion that there is an issue with my address. did not address my actual letter. 
XXXX failed to answer at all. does not even update their information. 
XX/XX/XXXX i called all three bureaus about the letters I received. specifically, why i haven't received the proof that you did your due diligence on the investigation. I was told by emplyees of 2 out of the 3 bureaus that. '' they do not have to provide that information to me by law. the debt is verified and that is all. '' I asked to speak to someone else I was put on hold for another 30 mins and hung up on. they were rude and combative. I quoted the law to them and I was met with a refusal. and I'm still seeing reports of late payments on a collection account like it's renewed i believe they are messing with the statute of limitations and my overall credit health by reporting what they like when they like. because they don't get held responsible. what is the point of the Fair credit reporting act if they aren't going to abide by it? I feel helpless in this situation and don't know what else to do but to go forward with legal action if this does not get resolved soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I receive an alert that my credit score tanked by 37 points from a {$190.00} medical bill I somehow missed. I paid it immediately. Over a year of working diligently to get my score up, watching it slowly. CRAWL up a couple points at a time ... one mistake and it tanks 37 points?! In XXXX I paid my ONLY debt down from {$7000.00} to {$3500.00}. My credit score went up 32 points. I owe XXXX and it plummets by 37 points?! This is ridiculous and a SCAM! I am at the mercy of these agencys formulas and have little to no control over how my data is used! Who is holding these agencys that make a profit off of our data accountable? When looking at the different categories on the credit score, like on time payment percentage, available credit, credit inquiries and amount of debt, I have either Good or Excellent ( higher amount of excellent than good ) in all categories and yet my score is below average? Something needs to be done and some serious REFORM needs to take place. Thank you for passing my complaint ( rant ) on to anyone who will read it. # XXXX
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report. even after your investigation. I would like this item re-investigated. The inaccuracies are highly injuries to my credit score. 
XXXX XXXX XXXX ( Account Number : XXXX ) In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title IV, Section 611, please provide the names and business addresses of each individual with whom you verified above. So I may follow up. Please send me an updated copy of the credit report after reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts have appeared on my credit reports, both are fraud. 

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

DEAR ; XXXX XXXX XXXX XXXX XXXX XXXX ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. You, however, seem to claim you've verified the accuracy of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 is 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 items 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. The account that should be adjusted is : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the fraud alert on my accounts XXXX  transunion and XXXX
Product: Checking or savings account

U.S. Bank received a copy of my bankruptcy discharge notice from the United States District Court District of Minnesota on XX/XX/2020 in regards to all of my debt with U.S. Bank has been discharged under Chapter XXXX. U.S. Bank is in violation of The Equal Credit Opportunity Act ( ECOA ) for credit discrimination under federal law because U.S. Bank is discriminating against me by not allowing me to open a U.S. Bank Checking account online or in-person.
Product: Credit reporting or other personal consumer reports

CFPB, I have disputed these accounts many of times though your portal. I have asked Experian to veCFPBrify these accounts accuracy. Every single time they have came back verified which it's impossible to come back verified. If Experian, verified this accounts as accurate. I need to see there method of verification on how they are reporting a collection with a past due balance on these accounts? If they can not provide this information. Please delete 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was charged off due to my lack of handling credit. After this account was charged off I reached out to XXXX XXXX and I paid this account in full. The agreement I had with XXXX XXXX was that they would delete this from my report as long as I pay the balance in full. I have followed up with them numerous times to no avail. I am the reason my account was charged off and do not blame XXXX XXXX at all, however their tactic to get me to pay was fraudulent and not needed. I initiated contact with them to pay this debt as I wanted to right my wrong and was told they would remove their reporting from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/2021 Equifax - 1st Letter XX/XX/2021 - 2nd Letter XX/XX/2021 - 3rd Letter XX/XX/2021 - 4th Letter XX/XX/2021 It is over XXXX i still do not have a response or report of investigation, i belive nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX  XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX 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 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 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.
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 confidentiality under 15 USC 1681. 

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

XXXX  has fraudulently put student loans on my account. I have never had an account with  XXXX . They can not provide written proof of a signature with me and  XXXX  on the same contract. I have been disputing them off my credit for years. Since they   XXXX   XXXX   with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND  XXXX .     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where   XXXX   just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last week my  credit sc  ore dro pped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.