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

In reviewing my account I noticed that the information that is listed on my credit report is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. I request that the correct information be updated in the following fields : Account Number, Balance, Payment Status, Date Last Reported, Date Last Active, Date of Last Payment. 

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. The following reporting periods need to be corrected as paid on time and the late payment indicators removed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law and that means the furnisher legally can not report my account late for any reason. Unless they are able to provide documented proof that the statements were mailed to me within the specified time frame under the statute any late payment indicators must be corrected. 

This dispute will serve as notice of the inaccurate information that is on my credit report for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Notice to Correct Credit Report Dear __________________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, Under the Fair Credit Reporting Act ( FCRA ), you have the right to request that inaccurate or incomplete information be removed from your credit report.

Here are some LAWS! 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer. I am filing this complaint against TransUnion for their interim response provided on todayXX/XX/, to existing complaint # XXXX. TransUnion 's response is as follows ; COMPANY 'S INTERIM RESPONSE 'We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request ''. 
That response is a violation of 15 usc 1681i ( a ) ( 1 ) ( A ) which states, In general Subject to subsection ( f ) and except as provided in subsection ( g ), 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I am aware that TransUnion has a total of 30 days, starting on XX/XX/2022, not 60 days as stated in their response, to by Federal Law to complete a full, proper and accurate re investigation to this original dispute. Or delete item from my consumer file.
Product: Mortgage

A few weeks ago, I received a letter from the county that I didn't pay school taxes on time from XX/XX/23. Flagstar was responsible for paying my taxes from my escrow account. I had to pay a {$200.00} penalty or it would go to collections in two weeks.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not have a signed contract with Affiliated Acceptance Corporation and I do not owe them any money. I already contacted this company in writing twice in the last two years. I keep receiving harassing collection notices and phone calls from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus have not responded to my letters that was sent 30+ days ago in regards to accuracies on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX has allowed National Credit Systems report and account to my credit file that they dont own. According to the Fair Credit Reporting Act you have to own this account in order to report to anyones credit file. National Credit Systems does not own this account and there it should be removed from my credit file immediately. Please have National Credit Systems provide proof of ownership and I would like to see proof of ownership as well.
Product: Debt collection

I just don't recall any debt from XXXX, I just notice a collection account on my credit report and I doubt is mine, I called to the agency to pay the bill just because I don't want to have that derogatory information on my personal credit report, I asked the collector that I just don't want to waist their time with long investigations and disputes, I was in the position to pay the bill if they can delete the collection account from my credit report but the collectors don't provide me a clear YES or No, they just said I can pay if and " SEE WHAT HAPPENS LATER ''. So I requested a validation of debt and must important where and when this loan was approved since I feel is not mine or is identity theft, The collection agency claimed they are collecting on behalf another collection company so THEY DON'T HAVE THE FILES AVAILABLE but they will request it and send a validation of debt to my mailing address. I haven't received any letter from them and I disputed this collection account with the credit bureaus but they claim is a legitimate debt but they just don't proof it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX FINANCIAL XX/XX/2021 XXXX  FINANCE XXXX XXXXXXXX XXXX FINANCIAL XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021
Product: Debt collection

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation.
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification Midland Funding is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
Product: Checking or savings account

I was attending college at XXXX XXXX, back in XX/XX/2014. When I had stopped at a gas station to make a with draw from my checking account I with drew XXXX   dollars and still have my receipt for when I last used my account that day. I reported my card stolen the moment i found out the bank was trying to reach me at my house phone, I wasn't there nor able to get to the call until I went to the bank and found out my account was negative at a outstanding negative balance,. I said that cant be I had over four thousand dollars. i had looked for my debit card every where but couldn't find it after my last transaction. I have my police report and i filled out two identify theft packets at the time in the year of XX/XX/2014. I can assure you that no one else had my pin nor i shared my bank info with anybody. i have talked to various lawyers about this case on coming to a resolution with the bank and being able to get a subpoena, to try to check the atm cameras on who really made these transactions. i also spoke with a detective from fraud over this matter but than he also got bored of trying to help me fix this problem like if he didn't want to deal with it no more. the bank sent me a statement of the transactions that were being made and i showed the detective of all the ones i don't recognize which was the majority. the fraud checks that were deposited are not my signatures, i showed the detective everything that would be able to help me in this case. i still to this day don't like my money sitting in the bank due to this matter i got robbed by someone who committed fraud on me and i hope to come to a resolution with the bank because the bank only acknowledges the negative balance on the account but not the money that was in the checking account before it went missing. therefore im not paying the negative balance because this is fraud and can assure you i will not rest until this is solved and every one is happy. like I said till this day i haven't been to the city where all these transactions took place. and as i recall wells fargo was going through a crisis at that time of year where fraudulent accounts were being created by employees who worked for wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting multiple accounts to my credit ratings which are not mine dispute my numerous disputes, online inquires to validate, XXXX complaints and bureau disputes over the course of 4 years.
Product: Debt collection

Debt was settled in dispute resolution and I have copy of signed settlement agreement and both the cleared personal checks that were used to pay full settlement agreement amount and the lawsuit was dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

16. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

17. there is some inaccurate information reporting. 
WORLD FIN Account Number : XXXX Delete this account. 

18. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

This company started to call me yesterday from this number XXXX. 
They wanted to know up front my social security number, I denied to provide them such information, They said are AFNI a debt collector. I asked them what is about these phone calls, in order to give me the information they said I need to provide them my social security number for verification I denied to give it to them I asked them to stop any phone calls and if they want to address any concerns to make it in writing. 
At this time I'm not submitting any documentation because this debt collector has not sent me any. If they do I will refer this complaint properly attach it with a proper response.
Product: Mortgage

I applied for the forebearance offered during covid but changed my mind and. An XXXX it 2 days later as I heard it went against your credit. 
I am on auto pay monthly. 
I asked to be put back on auto pay. 
Instead I was not and I keep getting double payments. I be called 4 times to fix this and its not fixed. Supervisor does not call back. 
On top of it they have put a not on my stellar credit report which they need to take off as Im now refinancing. 
BofA have been totally incompetent And I can not get this fixed.
Product: Debt collection

This account is a gym membership that was opened as a family account with XXXX XXXX ( address XXXX XXXX XXXX XXXX Kansas XXXX ) with an ex-boyfriend XXXX XXXX XXXX on XX/XX/XXXX. The original contract was per signed contract {$50.00} for a 24 month period ending on XX/XX/XXXX. On XX/XX/XXXX somehow the payment increased to now a {$70.00} from XXXX with additional late fees and such. 

XX/XX/XXXX during the time of signing ( XX/XX/XXXX XXXX ) of those payment were processed per bank statements on our joint account, last payment date XX/XX/XXXX. My ex boyfriend went in and canceled our auto renewal and we closed our joint bank account, which we thought would be the last of XXXX XXXXXXXX. XXXX XXXX was bought out by the XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX they permanently closed this gym articles reflect in XXXX. I never received the original notice that was alleged sent XX/XX/XXXX XXXX XXXX Never was given the opportunity to dispute debt and have now since accrued an obscene amount almost double what the original debt In the contract it does state a lot of contradicting information, my contract outlines 24 months and even though this account was closed its going against its breaching its own contract by not abiding by the terms and conditions after initial terms has expired membership will renew for same terms and continue at rate. Numerous of discrepancies with amounts and the debt itself. 
XXXX XXXX of XXXX i noticed a debt reflecting on my credit, immediately disputed it because that was the first Ive seen or heard about said establishment since closing account. XXXX deleted the debt from my report for : Accuracy There were fraudulent charges made on this account. 
The contract related to this account has been cancelled. 
Nothing until XX/XX/XXXX when my employer notified me of a garnishment with XXXX XXXX, immediately said day i go to the court house to seek help and guidance, clerks advised to request a hearing. Hearing date was XX/XX/XXXX XXXX XXXX XXXXaid attorney wasnt present at the hearing so judge called XXXX XXXX and proceeded judgement via telephone, the judge didnt even look at the information i gathered nor seemed to care that i was disputing ownership the debt or the default judgement, Ive since left numerous of voicemails at XXXX XXXX XXXX and never get anyone on the phone, the voicemail guideline to prevent a delay in a return call state leave name, employer, last 4 of social & phone number with area code, no response from the office or any means to resolve or challenge the debt, i feel violated and at a loss that i cant defend myself or that my voice isnt being heard and Im now financially insecure for a debt that isnt true or accurate, i feel the office is avoiding me because they are getting the money regardless Im just a check they are collecting on, Im pleading to have this re-examined and the garnishment to reflect accurate dues or gone completely, this is unfair and cant see how this is lawful and not against consumer rights.
Product: Credit reporting or other personal consumer reports

In my consumer FICO credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consists of XXXX XXXX XXXX # XXXX {$940.00} opened on XXXX, On XXXX XXXX XXXX ACC # XXXX {$660.00} Opened on XXXX, XXXX XXXX acc # XXXX {$360.00} opened on XXXX, XXXX acc # XXXX {$4600.00} opened on XXXX, XXXX XXXX XXXX acc # XXXX {$4400.00} opened on XXXX, XXXX XXXX acc # XXXX {$180.00} opened on XXXX, XXXX XXXX XXXX acc # XXXX {$2700.00} opened on XXXX,, XXXX XXXX XXXX XXXX  acc # XXXX {$1300.00} opened on XXXX, XXXX # XXXX {$1200.00} opened on XXXX, XXXX XXXX XXXX  acc XXXX XXXX {$36000.00} opened on XXXX .Those accounts have had fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. Someone opened these accounts in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the, and Experian 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 several accounts damaging my life and appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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 accounts, as reported. The aforementioned accounts and collections, and appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity thief and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX, XXXX, Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX