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

To Whom It May Concern : I recently submitted a request for investigation for the account ( s ) listed below. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to conduct a reasonable investigation. If you had investigated properly, you would have removed the accounts.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to re-investigate the following accounts. 

Account Name : XXXX XXXX XXXX Account Name : XXXX Reason : Unverified and illegal reporting, remove immediately As in XXXX XXXX XXXX , XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax , et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no one 's measure reasonable. 

As I'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. If you fail to initiate an investigation regarding my dispute, I will take legal action to protect my credit rating and myself. I will fully exercise my right under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX sold the balance to XXXX XXXX I PAID the account in FULL to XXXX XXXX XXXX. XXXX XXXX XXXX " removed '' the derogatory information but somehow, XXXX XXXXXXXX XXXX XXXX XXXX XXXX is still reporting " NOT PAID / COLLECTIONS / CHARGED OFF '', as opposed to " PAID IN FULL ''. I've notified XXXX XXXX XXXX  " MULTIPLE '' times only to be told to call XXXX myself. XXXX XXXX XXXX did their job and completed the process. XXXX XXXX is non-responsive. I'll NEVER do business with them again. They are NOT a BEST PRACTICES/ BEST IN CLASS service. 

I would like XXXX XXXX XXXX XXXX XXXX XXXXXXXX to UPDATE and REMOVE derogatory information from all 3 credit bureaus.
Product: Mortgage

During the mortgage crisis I had file bankruptcy to keep my home, and I believe that I was a victim of predatory lending.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach, which has led to unauthorized accounts and inquiries appearing on my credit report. Pursuant to my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following account and inquiries : Fraudulent Account : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i received a copy of my credit report which showed Inquiries & Accounts i didnt not authorize. I understand and aware that you should not put an inquiries or accounts on my file unless i have approved it. I have provided you with the information and the a previous police report i sent a few months. Your company never responded and i am now XXXX bothered, and XXXX. I am currently working with an XXXX to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and accounts removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiry accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized account & inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

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

I HAVE DISCOVERED THAT UNDER 15 USC 6802- MY INFORMATION WAS DISCLOSED TO THIRD-PARTY AFFILIATES MULTIPLE TIMES.
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  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX Account # 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: Mortgage

Since Nationstar became a XXXX sub-servicer of my mortgage loan 3 months ago, the company has failed to post my monthly mortgage installment payments against my account in a timely fashion. Each month, I receive a call from Nationstar inquiring as to where my payment is when, in fact, the company had received my payment well in advance of the due date. I received another such call yesterday ( XXXX/XXXX/2016 ) inquiring about my XXXX XXXX payment. My mortgage installment payment ( due XXXX XXXX ) was electronically sent to Nationstar on XXXX/XXXX/2016. I also received a letter in the mail stating that I would be assessed a late fee if Nationstar did n't receive my XXXX XXXX payment by the end of my grace period. Nationstar has my XXXX XXXX payment! How can this happen month after month? I have reason to believe that the company is failing to post payments in order to access late fees on its customers. This practice is reprehensible!
Product: Debt collection

Complaint Target XXXX XXXX XXXX  : Creditor : TD BANK XXXX, XXXX. C/O XXXX XXXX XXXX XXXXXXXX Amount : {$1300.00}, and any other amounts due thereunder.was paid however the agreed obligation to file removal from supreme court Lien has not been honored and its been 6 years and several requests and promises that this would be done. This has caused financial harm with title reports showing this false debt Lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as Absolute Resolutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
Product: Student loan

Called XXXX  Spoke with head of dispute center supervisor named XXXX XXXX, under my rights i recorded the call for my safety. XXXX was calling me a lier stating they was not violating any rights then hung up in my face. This is unacceptable for a company and i demand for him and his authority to be handled correctly immediately.

According to 15 USC 1681A ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

According to my written instructions which I have full authority to give you under my rights as a natural person/consumer pursuant to 15 USC 1681B ( 2 ) I am exercising my right and I demand these inaccurate accounts be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that all charge off accounts on my credit record to be removed as well as the inquires. I have suffered job loss due to XXXX as well as living in a recession and I feel as if I should be given atleast a leg up and be able to rebuild myself and my family using my credit as a source without these nagging and half of them not my charges be done away with and swiped off my credit report. I have as well started disputes with 3 of Said companies. I blame the actions that was put onto XXXX by the covid epidemic to be blamed for such negative credit marks. It was unforseen as well as problematic to myself and a million others. We are just trying to survive and sadly our credit reports stop alot of us that are well deserving of having even the essentials in life today. Example, cars, we need those to make money to live and eat and work to keep the economy up but sadly we r told NO due to these credit reports. And a Home, a roof over our heads but NO due to credit marks alot of us have suffered since XXXX struck. I could go on. And on top of it all Equifax had a big security breech Yes I was affected as well as a million more people. Sad truth is we can't do anything about it other then hope our personal information is not too far sold already. I can honestly say I have had my private accounts hit after that breech and it has caused me so much anguish and stress that my XXXX has reached its boiling point. In conclusion this letter may get through and hope somebody listens and helps. If not atleast I can say I tried and stood up as an XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report this month XX/XX/XXXX and noticed XXXX XXXXXXXX and XXXX XXXX XXXX  on my report since XX/XX/XXXX. I have never had these services, nor applied for them in the past
Product: Payday loan, title loan, personal loan, or advance loan

The interest that they charge is illegal in the state of Texas. I want them to remove every single one of my loans from my credit and forgive the most recent loan unless they want to refund me all of overcharge interest plus penalties
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX : {$590.00} XXXX XXXX XXXX XXXX : {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a letter from XXXX XXXX and XXXX XXXX XXXX XXXX for Trans Union XXXX XXXX XXXX The XXXX XXXX is showing an account balance of {$41.00} and the XXXX SXXXX XXXX  XXXX account is showing an account balance of {$390.00}. XXXX XXXX account is suppose to have a current balance of {$0.00} and XXXX XXXX has requested for Trans Union to delete the trade line from my Trans Union credit report XXXX The XXXX XXXXXXXX XXXX XXXXXXXX account is suppose to have a current balance of {$0.00}. Blaze has also requested for Trans Union to delete the trade line from my credit report, but the accounts is still currently listed and showing on my Trans Union credit report. The following accounts on my Trans Union credit report was reported lost/stolen : XXXX  XXXX Bank XXXX {$1100.00} and XXXX XXXX XXXX XXXX {$760.00}. My XXXX XXXX Bank and XXXX XXXX XXXXXXXX XXXX XXXX was reported as lost/stolen and the balance on the accounts is all fraudulent charges/transactions. The debt collection account from XXXX XXXX  XXXX XXXX {$360.00} is not my debt collection account. The debt collection account doesnt belong to me. The following hard inquiries currently listed on my Trans Union credit report are unauthorized and fraudulent hard inquiries : 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
Product: Checking or savings account

I have been talking with chase since XX/XX/ when I found out my account was frozen while trying to pay a bill. When contacting them I was given the run around for 4 hours with no information provided on why my account was frozen. I just kept getting told that my account is going to be closed and it was a final decision but I wasnt give any prior notice. I was also told that my account wasnt closed by 2 of those people I was transferred to but my debit card was closed. I kept getting conflicting information so I transferred my money to another bank and my transfer was canceled by chase. I was also told by the last person I spoke to that she didnt know why they had been transferring me around because my account clearly stated I needed to speak to the online department who didnt help either. Since I wasnt getting any where with chase a made a consumer report. They then sent me a notice explaining that my account was frozen due to suspicious activity or lack of information requested by them. I then called the number and they told me the account is being closed and it is final which contradicts the whole notice I was given. And also meaning they didnt contact in regards to the suspicious activities in which they are required to do.they also didnt contact me until I reached out to Consumer Financial Protection Bureau so they were going to close my account without my knowledge. And without giving me access to my funds.
Product: Debt collection

Receivables XXXX, XXXX XXXX, XXXX XXXX launched derogatory credit reporting very recently. I have not heard of the company. When I called, their outgoing message identified them as a debt collector. Please, restrict companies from derogatory credit reporting. I am fully insured and have found that providers often place claims incorrectly creating problems. If someone contacts me I can help them to resolve any issue
Product: Debt collection

I have been debanked and all my property was stolen. this is currently in litigation. do not contact me again. contact : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I demand an immediate reinvestigation on this account : I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE from my consumer report. 

ACCOUNT : XXXXXXXX XXXX XXXXXXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this issue muti times within the last year an its causing me emotional distress. This is defaming my charter I also move in honor and clean hands. As per last request number XXXX I filed a complaint stated I never gave verabal or written consent and asked them to send me proof and they didnt answer my response correctly! They are stating the validated the account but sent no proof of that and also never sent proof that I gave them Verbal or written consent to share my alleged private information or transaction. They are in volitation My last time requesting that I gave them consent in any way was XX/XX/2022 also never gave them consent to pull soft pull on me that was without my consent they are making money of me by sharing my information and transaction without my knowledge or consent.. I do not consent to eoscore. As a consumer reporting agency you assume a vital role to make sure that all information on my consumer report in accurate, fair and XXXX. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( **name of company reporting the late payment** ) such authority. 


Listed accounts XXXX XXXX XXXX account # XXXX amount {$1000.00} XXXX XXXX XXXX XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy Dates on accounts are showing inconsistent information and many inaccuracies.

Dtae opened balance XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX Bankruptcies eported by thujes party and not original furnisher XXXX XXXX XXXX inccorect name of company XXXXXXXX XXXX XXXX XXXX  different account number DELETE UN Verfied information Fcra states the first party has to report information on consumer credit profile accurately DELETE due to inaccuraties and unverfied information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to the US Bankruptcy Court asking them to explain their procedures for verifying records with the credit reporting agencies. According to my credit report, it claims the " magistrate '', " the recorder of deeds '' or " municipal court '' as the one who furnished the information on my credit report. The problem is none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus, and publishing false information is a violation of the Fair Credit Reporting Act. The only way this information can be accurate is if the credit bureaus received this information directly from the courts, so with that being said this should be removed from my credit report. On XX/XX/2020 I sent a verification that the court itself did not furnish this information itself and therefore it was a violation of the Fair Credit Reporting Act. They did not show proof of their verification with anything bearing my signature. How do you reinvestigate something send no proof then say it was verified as accurate? Especially when I send proof to back what I am saying and they produce no evidence. This includes XXXX, XXXX, XXXX XXXX, and Lexis Nexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter of dispute on XX/XX/2020 and its been over 60 days with no response
Product: Student loan

When applying for this school I was told that they have a 90 % job placement current found out that this isn't true. I have these loans from a school that gave me false hope. I have a few classes left. Found out that job placement is only 56 %. They lied and mislead me. I have all these loans. I enrolled from what was told to me. I'm look to be forgiven or another option
Product: Debt collection

LVnv funding never sent me a notice of the debt, so my rights were violated because I was not able to send a debt valadation letter also, In Accordance with the fair reporting act, Has violated my Rights under 15 u.s.c 1681 section 602, states I have the right to privacy 15 usc 1681 604 A section 2. states a consumer reporting agency can not furnish a account without my written instructions15 usc 1666b states A creditor may not treat a payment on a credit card account, under A open end consumer credit plan as late under any purpose
Product: Credit reporting

Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from XXXX, XXXX, and Equifax.
Product: Debt collection

I was not informed at the time that I could request a free cellular phone from XXXX or any governmental agency because I was unemployed and in Medicaid/SNAP Benefits. 


Therefore, I was set-up in a fraud to go to XXXX to request what I was told it was a free phone line and now I had been billed.