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

XXXX HAS FAILED TO PROVIDE PROOF OF MY ASSOCIATION AS AN AUTHORIZED USER WITH ACCOUNTS WITH VERIFICATION SUCH AS WET INK SIGNATURES. 
EQUIFAX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card accounts [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. 

As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on these accounts. 

Until such proof is provided, I insist that you immediately remove this debt and cease any further reporting of this information to the credit bureaus. Failure to comply with this request will result in legal action being taken against your company. 

I trust that you will take this matter seriously and act promptly to rectify this situation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Account opened without my knowledge & I would like it removed from my XXXX report as a fair resolution.
Product: Money transfer, virtual currency, or money service

I received the IRS audit as to XXXX transaction and XXXX company reported {$74000.00} as the gross receipt on the form XXXX XXXX but my total receipt was less than {$10000.00} To fix this issue, I have called and emailed but no one answered.
Product: Debt collection

I RESPONDED ON XX/XX/2021. TATA & KIRKLIN ASSOCIATES , INC. I DO NOT HAVE ANY KNOWLEDGE OF THIS ACCOUNT. I DO NOT OWE XXXX XXXX XXXX XXXX  OR ANYONE ASSOCIATED WITH THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

I am writing to formally request further clarification and reinvestigation regarding accounts appearing on my credit report. After previously disputing these accounts and providing supporting documentation, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : 1.What specific steps were taken to verify these accounts?

2.Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me?

3.Were any third-party databases or external records consulted in the verification process?

Furthermore, I have been informed by the creditors associated with these accounts that the accounts were actually erroneous. This appears to be a case of erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being. 

Given the severity of this issue, I request that your agency : 4.Conduct a thorough reinvestigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files.

5.Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources.

6.Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

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

On XX/XX/XXXX I disputed Equifax on unlawful practice of reinsertion practices. After a previous dispute with EQUIFAX the matter has not been resolved in regards to the reinsertion policy nor did I receive documentation of the disputed item. I also never received documentation in regards to reinsertion from them as well. 
On XX/XX/XXXX EQUIFAX removed the collection account of XXXX XXXX XXXX XXXX XXXX from my credit report however, it was added back without properly notifying me. I made two attempts for them to correct this issue and they did not resolve it. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than XXXX business days after the reinsertion. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.
Product: Checking or savings account

An unauthorized reservation was made to XXXX  with capital one card, Both XXXX  and capital one havent returned my money and its been over a month. Multiple fraud claims were already made.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a late payment for my XXXX XXXX XXXX  XXXX account # XXXX for XX/XX/XXXX. The payment due date for this account is the XXXX of each month, in line with the original account opening date of XX/XX/XXXX. The payment in question was made on XX/XX/XXXX, which is well within the 30-day window. As such, the late payment remark for XX/XX/XXXX is incorrect and should be updated to reflect that the account was never late, or it should be removed entirely. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The refusal to correct this clear inaccuracy, despite the evidence provided, constitutes a violation of this provision. Additionally, 15 U.S.C. 1681i requires that credit bureaus reinvestigate any disputed information if the consumer provides reasonable evidence that the information is inaccurate. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the late payment, despite evidence to the contrary, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Reporting a late payment that was made within the required time frame is misleading and damaging. 

XXXX XXXX Compliance Issues : The XXXX XXXX format, which is the industry standard for credit reporting, requires consistent and accurate reporting of account information. The incorrect late payment reporting for XX/XX/XXXX, despite the payment being made within the acceptable window on XX/XX/XXXX, indicates non-compliance with XXXX XXXX guidelines. This non-compliance further warrants the immediate correction of this information. 

Request for Immediate Action : I am requesting that you instruct the credit bureaus to update the late payment remark for XX/XX/XXXX on my XXXX XXXX XXXX  XXXX account # XXXX to never late or remove the remark entirely. Additionally, I request an updated copy of my credit report reflecting this correction.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/XXXXXXXX XXXX  NAME : Transunion Consumer Solutions Address : XXXX XXXX XXXX XXXX PA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1.- following personal information is inaccurate ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report Please ( remove / update ) this account from my credit report By the provision s 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 cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reported identity theft after I was called about activity on my account and I told them there is no way because I closed the account after I lost my phone. So how did this get figured they ordered phones on my account and XXXX said they could only tell me they were in XXXX the police was listening in on the call and wrote that in his report that I provided you from 2 years ago. How is my evidence of identity theft no providing me with the lockage of information that was as a result of fraud see the police report. The credit beaurea is violating my rights and this is causing great injury for me and my family the dates XX/XX/year> the time we're the identity theft was at its peak and it shows with the time XXXX XXXX was targeted they closed my account temporary for fraudulent behavior with my credit card and after calls and calls nothing has happen the credit bureau are still being allowed to use information that a criminal created and use that information to defend yourself from providing fraudulent information clearly a violation of the laws and needs to be sanctioned for violating my rights to have that accounts information that the police report proved was identity theft but yet they still victimize me and I beg the Consumer Finance Protection Bureau to protect me from having a credit beaurea side with power over proof and wrong over right. It's shameful and it directly went against my rights to have it blocked and it's caused me a great pain not being able to get credit because a thief 's crime against me is being used against me again and has destroyed my credit and the evidence is there to show that I was injured by the person who gave the bureau the info but even worse injured again the the same company that reporting criminal information as information belonging to me the victim!!!
Product: Credit reporting or other personal consumer reports

My complain is in regard to my previous complaint with XXXX XXXX XXXX XXXXXXXX I was just notified by my credit report that as of XX/XX/2023, XXXX, once again, reported to my credit report : " foreclosure proceedings started. {$7400.00} past due as of XX/XX/2023 ''. As of late XXXX, I began the reapply with loss mitigation for a 6-month deferment. As of XXXX, my application was accepted and currently under review. I have all documentation to prove my case. I contacted XXXX XXXX XXXX  and submitted them documentation of my case and they have suspended foreclosure proceedings, and they assure me that they notify XXXX. I have documentation to prove my case. I called loss mitigation in XXXX and they assure me that all foreclosure proceedings have been suspending due to my application being under review. While being review, XXXX continues to report to my credit history, false reports about the status of my account and reported an XXXX late payment. I have documentation to support my case. If this does not stop or continues false reports that continues to affect my credit report, I will seek legal action. I have attached the email from the foreclosure law firm stating their suspension as well as the letters by XXXX stating that my application had commence in XXXX and being reviewed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXIS IS IN VIOLATIONS OF 6 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 U.S.C 1681
Product: Mortgage

Cardinal Financial Company , Limited Partnership retained no beneficial interest in the XXXX XXXX XXXX Intangible Obligation ( The Debt ) after selling XXXX XXXX XXXX Intangible Obligation ( The Debt ) to XXXX XXXX shortly after the XX/XX/year> signing. No acceptable assignments of XXXX XXXX XXXX Mortgage to the XXXX XXXX XXXX  have been recorded into the Official Records of the Clerk of the Courts XXXX XXXX XXXX There is no evidence of negotiations of the XXXX XXXX  to the XXXX XXXX XXXX. With no properly recorded owner of XXXX XXXX XXXX XXXX, there is no one to enforce the conditions over XXXX XXXX XXXX Intangible Obligation ( The Debt ) which is no longer evidenced by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Intangible Obligation ( The Debt ) is no longer secured by XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

Having no specific properly secured owner of the limited beneficial interest of XXXX XXXX XXXX XXXX, there is no way to enforce the stripped-away XXXXXXXX XXXX XXXX XXXX Obligation ( The Debt ) through XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXXl XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX The inquiries listed above were obtained without my knowledge or consent. I am requesting XXXX remove them from my credit report immediately. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint to demand that the Credit Reporting Agencies correct their reporting on my Credit File. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. My information has been exposed in the XXXX data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Also this account was previously removed and yet the Credit Bureaus reinserted the account without letting me know. Under the Fair Credit Reporting Act, the Credit Bureaus are required to let the Consumer know about an account 's reinsertion on their Credit Files, however, the Credit Bureaus disregarded these responsibility and continued to reinsert the account without my knowledge. I need the Credit Bureaus to correct their reporting and Completely remove the disputed account off of my Credit File as soon as possible. The account XXXX XXXX account number XXXX with an alleged Balance : {$15000.00} must be removed completely from my Credit File for erroneous and misleading reporting.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX  failed to conduct a proper investigation to my dispute request. I have written them a dispute letters 3 times on XXXX XXXX, XXXX XXXX, XXXX XXXX and they have yet to respond. They late payments are reporting inconsistencies and inaccuracies and I want this account to be fixed by removing the late payments. They late payments on each bureau shows different dates and doesnt match the other bureaus. I have attached my credit report for proof on this incorrect reporting. One bureau reports me late will the other bureau reports me on time for the same date, how can I possibly be late and on time for all bureaus??? They all have the same source of information which is the original creditors of this accounts so how are the reporting different information?? 

Please have them to investigate and verify the maximum accuracy of this account and remove this incorrect information from my credit report or update the late payments to paid as agreed,
Product: Credit reporting or other personal consumer reports

Earlier this afternoon I submitted a complaint against the XXXX credit bureaus on this platform XXXX, Equifax, and XXXX it has not even been XXXX hrs and XXXX has already removed All accounts after receiving notification from you guys and my dispute request. Equifax, And XXXX have not responded at all even though the said the disputes are deleted I have not seen a reflection in my credit score or from the creditors showing all parties have completed removed any negative remarks from all accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card on my credit report that I did not apply for or have.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXXXXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Product: Credit reporting or other personal consumer reports

Your response has greatly angered me! How can you dismiss my request for help with my credit report as if it's unimportant? Your explanations are illogical, and it seems like you're completely ignoring my concerns. I am not playing games I genuinely believe I am a victim of identity theft. I have provided you with all the evidence like my FTC report and you are suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and XXXX have already removed the accounts from their records due to the inaccuracy of the accounts, and Im wondering why youre still reporting these accounts? Kindly remove the accounts from your records. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XXXXDismissed XXXX  XXXX BANKRUPTCY
Product: Mortgage

My husband and I refinanced my mortgage in XXXX from Statebridge Co to XXXX. We were owed around {$2600.00} from our escrow with Statebridge. They dispersed a check for the correct amount around the first of XXXX which we received. However, I accidentally threw the check away when paying bills. 
I contacted Statebridge on XX/XX/XXXX when I noticed I couldn't find the check, I spoke with XXXX. I explained the situation and asked them to cancel the previous check and reissue another one. XXXX stated she left a message for the finance department and it could take up to 3 weeks. 
On XX/XX/XXXX after not receiving a check or any communication from Statebridge I called back and again spoke with XXXX. She stated it appeared no one had addressed the issue. She placed me on hold and spoke with a manager. She then told me another message was sent to the finance department and to call back the next day. I waited until XXXX to call again to check the status and again some with XXXX. She again stated there wad nothing noted and she would try to speak to her manager again. After several mintues on hold she started she would need to call me back. 
As of this date, XX/XX/XXXX I had not heard back. My husband called and stated again nothing had been addressed by the finance department and another note would be sent. 
I am obviously willing to pay any cancellation fee they may be charged but after a month and a half with no information as to any steps to resolve I am not sure what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : Child support enforcement Inquires : XXXXXXXX XXXX XXXXXXXX XXXX Account numberXXXXChild support As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XXXX XX/XX/1991