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

XX/XX/XXXX These illegal fraudulent items still remain. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX  XXXX {$5400.00} Date Opened XX/XX/XXXX XXXX  XXXX {$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7300.00} Dat Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report with Equifax. I found an account ( XXXX XXXX XXXX ) that was not mines I tried to dispute this account with Equifax and was unsuccessful.
Product: Payday loan, title loan, or personal loan

One Main Financial Initially during the Pandemic I was able to use my unemployment insurance for several months and the insurance paid on my account. My unemployment expired and I was still not working because I'm a high risk candadite for Covid. I was searching for remote work. I sent correspondences trying to negotiate a settlement. I was unsure of when I would be working and I know my funds are still limited I am currently still trying to secure housing and One Main is unwilling to negotiate a settlement. It may be years before I have the funds to pay that debt in full in the mean time interest is being compiled causing me additional hardship. I was told that I could only use my unemployment insurance for a select number of months.
Product: Credit card or prepaid card

Good morning i had XXXX XXXX and i could not make my payment and thy close my account lowes and paypal
Product: Credit reporting, credit repair services, or other personal consumer reports

On two occasions, within a span of 2-3 days, my credit was used to try and finance a vehicle. I had no knowledge of it and did not authorize these inquiries. I contacted each one of them by phone and they refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account date : [ XX/XX/XXXX Reason : [ NEED IT REMOVE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Product: Checking or savings account

I was notified that a direct deposit was sent to my account ending in XXXX on XX/XX/XXXX. To-date the direct deposit still has not posted to my account. When I contacted the bank they said they had no record of the transaction. Theyve continued to bill my account for service fees because of the low balance which is a direct result of theyre not posting my direct deposit. As a result all of my accounts are negative.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and there is an inaccuracy that is fraudulent on my account. Please remove the account from my report, they are hindering my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  will not delete a closed account from my credit report on all bureaus even after it is 7 years and two months in age, and they did not uphold their XXXX insurance agreement after I became permanently XXXX. I had been cleared by their collection agency case manager inXX/XX/2019, and told I no longer was being pursued legally, nor was I responsible for this debt of XXXX due to me being totally and permanently XXXX from injuries sustained in XXXX XXXX, and the XXXX insurance. My report even shows the account was closed XX/XX/2019, however, it shows a last payment date of XX/XX/2019. So those dates are very wrong as well. I have been disputing this for years now to get this negative account deleted to no avail. This is severely impacting my credit negatively, and is unfair. Can someone please investigate this matter as I would like to avoid unnecessary future legal fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shows a recent payment of {$51.00} updated XX/XX/XXXX causing my scores to drop XXXX points each month. Last payment reported is XX/XX/XXXX. I have reported this on numerous occasions and filed multiple complaints with CFPB and all credit reporting agencies. This company is constantly reporting inaccurate data and affecting my credit profile as well as my credit score. This account is to be permanently removed off my credit profile due to multiple monthly reporting errors. I have file multiple disputes with XXXX, XXXX and XXXX over this inaccurate credit reporting with this company. They are willfully violating the XXXX. I will also be making a complaint to XXXX  and XXXX. If this account is not removed I will be reaching out to a consumer rights attorney and filing a lawsuit in regards to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2017 Equifax Data Breach, and since then Ive been seeing a lot of unauthorized inquiries and accounts. 
Ive been in contact with police relating to the incident and filed an identity theft report with the XXXX, FTC. 
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



15 U.S.C 1681a : States I have the right to privacy.

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

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Credit reporting or other personal consumer reports

realized that this company has reported to my credit bureau incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 ) ( l ) 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 or other personal consumer reports

In XXXX, I discovered several inaccuracies on my credit reports provided by XXXX and XXXX, specifically concerning late payment entries inaccurately reported by XXXX. Despite multiple disputes filed with both credit reporting agencies and direct correspondence with XXXX, the issues have not been rectified. 

Initial Discovery and Actions Taken : On XX/XX/year>, I noticed erroneous late payment entries on my XXXX credit report and submitted a dispute. XXXX  had previously confirmed these entries were reported in error. 
I sent further communications to XXXX on XX/XX/year>, emphasizing the urgency of correcting similar errors on my XXXX credit report. 
Copies of my identification, a complete payment history from XXXX, and utility bills were provided as part of the dispute documentation. 
XXXX  's Response : XXXX  acknowledged the errors in reporting late payments but has not provided adequate documentation to the credit bureaus to correct these errors, as confirmed by direct communications. 
Lack of Resolution : Despite providing all necessary documents and following up, as of today, there has been no adjustment or removal of the inaccurate late payment entries by either XXXX or XXXX. 
Repeated disputes and the provided evidence have been seemingly ignored, leaving the incorrect data on my credit reports, continuing to impact my credit score adversely.

Requested Resolution : I seek the CFPBs intervention to ensure that XXXX  and the concerned credit bureaus adhere to the Fair Credit Reporting Act ( FCRA ) by investigating and rectifying the inaccuracies reported in my credit files promptly. 
I request the removal of all inaccurate late payment entries from my credit reports and a written confirmation from XXXX  and the credit bureaus stating that the corrections have been made.
Product: Credit card

XXXX XXXX XXXX  ( Comenity Capital Bank ) Unethical late fee charges. I receive the statement on XX/XX/XXXX - I mail payment XX/XX/XXXX. They dont post it until XX/XX/XXXX & charge me a late fee of {$41.00}. ( their cut off date was XX/XX/XXXX ) This is the 2nd time this has occurred within the last year. 
I called to see if they could reverse the fee as other card companies have done in past - especially since the mail is even slower during holidays & they refused. I explained that according to my bank the payment should have arrived on XX/XX/XXXX before the XX/XX/XXXX cut off date. I even spoke with a supervisor XX/XX/XXXX at XXXX XXXX  central time. Explained everything and he would not reverse late fee. 

I just received a new statement today XXXX which they claimed to have mailed XXXX which took 9 days to arrive at my residence. 
If I pay it today, according to my bank bill pay account it should arrive by XX/XX/XXXX. The due date is XX/XX/XXXX. 

This is the only card company that this occurs with and they do not work with consumers due to circumstances beyond their control- such as mail service, the company statement mail date which have a bearing on when payments are received. Bank generated checks are very accurate in determining checks arrival dates.
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 XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX  XXXX ACCT #, XXXX  XXXX ACCT #, XXXX XXXX XXXX XXXX ACCT #, XXXX XXXX XXXX XXXX ACCT #, AND XXXX XXXX ( COLLECTION ) ACCT # 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 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

To whom it may concern, I recently pulled my reports and noticed you are reporting 2 different accounts on my XXXX, Experian and XXXX for this account ( Dept of XXXX ). Because the account being reported by XXXX, XXXX and Experian are different, this means the account has not been properly verified. 

XXXX Acct : XXXX Experian and XXXX : XXXX Please delete this account 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : account name XXXX account number XXXX Accont name XXXX  account number XXXX Account name CREDIT XXXX BNKaccount number XXXX Account name : XXXX XXXX account number. XXXX. Account name XXXX account number XXXX Account name Capital XXXX account number XXXX Account name XXXX XXXX account number XXXXXXXX XXXX  XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Ally via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the late payment in XX/XX/2019 they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Ally has not been able to verify any of the information reported, they have the late payment remaining after several contacts for verification. The payment was made on time.
Product: Mortgage

XXXX - We are XXXX XXXX affected couple, and in default of our mortgage. 
XXXX - Our home is our primary residence occupied by owners. We have no other property. 
XXXX - Besides COVID, the borrower has lost her employment as XXXX, due to XXXX XXXX  XXXX, after doing her career passionately for 31 years. 
XXXX - Formal doctor XXXX determination documentation has since been supplied to the mortgage loan processor - Rushmore LMS LLC. 
XXXX - Out of three original borrowers, one XXXX  after 6 years and the second after 14 years of starting this mortgage loan. The mortgage payment burden is on sole surviving borrower now. 
XXXX - We turned in the formal loss mitigation completed application package to Rushmore. They owe us a written acknowledgement of having received the package. 
XXXX - Rushmore owe us the formal notification regarding their willingness to review and take a decision on our loss mitigation application. 
XXXX - An application for California Mortgage Relief Program grant is still pending review and decision. 
XXXX - Our property has not been removed from trustee auction sale scheduled for XXXX at XXXXXXXX XXXX 
XXXX - The terms of our mortgage have consistently and progressively been harsher every so often.
Product: Credit reporting or other personal consumer reports

As per FCRA laws, I was a victim of a data breach and I am requesting to erase negative and powerful items on my credit report
Product: Credit card

What I want is copys of the most current payments taken from my XXXXXXXX XXXX XXXX XXXX. 
I am not going to say anything else as I asked for these in last complaint you never sent them.
Product: Credit card or prepaid card

Capital one closed out my account 2 months after opening a secured card after I put a fraud alert on the 3 credit bureaus after my information was leaked. The credit card was opened and sent to me in XXXX ( I applied in XXXX ) I had to send in proof of identity and got my card in XXXX. Capital one did not notify me about any problems with my account or any issues with my account. I had auto pay set up online through my bank account to send min payment every month on due date. They received payments XXXX, XXXX in XXXX, XXXX and they closed it in XXXX. They did not notify me that the account had been closed and still received payments XXXX, XXXX, and XXXX but have no records for the payments going through since the account was already closed. The account is also being charged late fees every month since XXXX ( even with payments being sent and made ) but the account is closed so there is no payment due date. I called to get information and they are not giving me any information as to why the account was closed and why I was not notified and wont return the late fees
Product: Credit reporting or other personal consumer reports

To TransUnion Credit Reporting Agency, I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the immediate blocking of fraudulent information on my credit report due to identity theft. 

I have identified several inquiries that I do not recognize, which I believe are the result of fraud. The specific fraudulent inquiries are : XXXX XXXX ( AUTO ) on XX/XX/year> XXXX ( FINANCE ) on XX/XX/year> XXXX  ( BANK ) on XX/XX/year> XXXX XXXX XXXX ( FINANCE ) on XX/XX/year> XXXX XXXX ( FINANCE ) on XX/XX/year> I demand that these fraudulent inquiries be removed from my TransUnion credit report within four business days, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached a list of the fraudulent hard inquiries and a copy of my credit report showing these items. None of these accounts or inquiries were authorized by me, and they are entirely the result of identity theft.
Product: Credit card

I disputed a charge with this credit merchant, and it was reversed but soon after the charge was placed back on my account. Without proper communication and evidence. 
Below is the letter I wrote to the creditor Chase XXXX XXXX different times starting on XX/XX/year>. 
I am writing to dispute a charge on my credit card issued by XXXX XXXX XXXX, which was not authorized. The charge in question appeared on my statement dated XX/XX/year>, in the amount of {$2600.00}. 
While I have authorized previous bills from XXXX XXXX XXXX, I recently discovered unauthorized devices on my plan for which I have been consistently billed without ever receiving the devices. This discovery has led me to scrutinize my statements more closely, revealing the unauthorized charge referenced above. 
Upon contacting XXXX XXXX XXXX to rectify the situation and report the fraudulent charges, I was dismayed to be informed that because the charges were not reported within a certain timeframe, they were still my responsibility. Despite my repeated attempts to explain the circumstances and emphasize the fraudulent nature of the charges, I have been met with resistance and told that there is nothing that can be done. 
I find this response unacceptable, as I have always acted responsibly regarding my AT & T account and promptly reported any issues as soon as they came to my attention. It is deeply concerning that XXXX XXXX XXXX is unwilling to acknowledge the fraudulent activity and take appropriate action to rectify the situation. 
I urge you to thoroughly investigate this matter and provide me with a resolution that is fair and just. I request that the unauthorized charge be immediately reversed, and any associated fees waived. Additionally, I expect AT & T to take measures to ensure that my account is protected from any further unauthorized activity. 
Please find attached relevant documentation, including my credit card statements and any correspondence with XXXX XXXX XXXX regarding this matter. I expect a prompt response and resolution within [ XXXX XXXX, e.g., 30 days ] days. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and a satisfactory resolution.