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

I received a copy of my credit report, and found that your are reporting false information on my credit report. This is causing me extreme distress, and I am doing everything I can to build my credit profile responsibly. seeing that I am looking to purchase a new vehicle thru finance, and this could cause problems doing so. The law says thay everything on my credit report must be accurate! 

I do not recognize these addresses 1. XXXX XXXX XXXX XXXX XXXX, IL XXXX Please Delete This Address From My Report I do not recognize these accounts 1. XXXX XXXX XXXX Please Delete This Account From My Report 2. XXXX XXXX XXXXXXXX Please Delete This Account From My Report 3. XXXX XXXX Please Delete This Account From My Report 4. XXXX XXXX XXXX XXXX Please Delete This Account From My Report 5. XXXX XXXX XXXX XXXX Please Delete This Account From My Report I am also requesting the description of the procedure used to determine the accuracy, and completeness of the information. I have read that this must be provided within 15 days of completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

By the provisions of the consumer protection laws, I demand that these items be investigated, and removed from my credit report. It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

I have attached 2 different FTC identify theft reports as well.
Product: Credit reporting or other personal consumer reports

This is follow up to previous complaint. Here I am giving all the info that is reported on my crust report when I never give written consent. 
ALL ACOUNTS LISTED ON MY NAME AND SOCIAL SECURITY MUST BE DELETED BASED ON, 15 U.S. Code 1682c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Under 15 U.S. Code 1681e ( b ) and 15US Code 1681 ( 5 ) this account in violation is not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC Code 1681.These accounts has violated my rights. Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. I am requesting for the original copy of the agreement and terms and condition. Failure to comply will forfeit your claims and will require you to delete all the list of terms above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC Code 1681.These accounts has violated my rights. Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. I am requesting for the original copy of the agreement and terms and condition. Failure to comply will forfeit your claims and will require you to delete all the list of terms above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE. RESOLUTION : DELETE THESE ACCOUNTS UNLESS YOU WANT TO BE HELD ACCOUNTABLE FOR XXXXXXXX XXXX PER ACCOUNT.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Correction of Credit Profile I am writing to address an ongoing issue regarding fraud, identity theft, and the correction of my name on my credit report. Despite repeated attempts to resolve this matter, you sent me a document listing a name that is not mine. 

For reference, my correct name is XXXX XXXX XXXX, and I do not have a middle name. I have provided ample proof of my identity, including copies of my Social Security card, birth certificate, passport, and driver 's license, yet the issue persists. 

It is unacceptable that despite my efforts and the documentation provided, my credit profile has not been corrected. Furthermore, I demand that any and all records involving XXXX XXXX XXXX 3 be permanently removed and erased from my credit report. This is clearly an error, and your continued failure to address it leaves me no choice but to consider legal action if this matter is not resolved promptly. 

Please confirm receipt of this request and provide a timeline for the correction of my credit profile. I trust that you will handle this issue immediately to avoid further escalation. 

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

I have several unauthorized Inquires on my report I have already file this Issue with Identity theft.gov confirmation number XXXX. Especially with Equifax there is several. They had someone to hack their system a couple years ago. I dont know if someone hack their system again and did these inquires but they do not belong to me. I have no remembrances dealing with companies below. 

Equifax report Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also completed an Identity theft .gov confirmation number again XXXX Transunion Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also for XXXX which I left a complaint with Identity theft .gov to look into the following inquires that was not authorize by me XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all XXXX credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts : Account Name : XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
Account Name : XXXX XXXX XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
Account Name : XXXX XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
Account Name : XXXX XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
I understand the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance with FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent I asked you to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, updating the other accounts is an admission of guilt and a direct violation of my rights to a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance with Section 611 due to the inconsistencies coming after my original request for investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at my credit profile it is not accurate 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 1681 ( 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: Debt collection

On XX/XX/2022, at XXXX am, I consumer XXXX XXXX, contacted NAVY FEDERAL to obtain the form so I may exercise my right to rescind. XXXX, a supervisor at NAVY FEDERAL, whom failed to provide his employee id, failed to provide me with the form, in accordance with regulations of the Bureau. Pursuant to 15 USC 1635, it states we have the right of recession in the case of ANY consumer credit transaction.
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 U.S.C. 1681. 

Account Name : XXXX XXXX Inquiry Date : XX/XX/year> Account Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year> Account Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year>, Has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A 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 consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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 or other personal consumer reports

According to the IRS, an unpaid charge-off is considered income, and according to the FCRA, income can not be reported on a credit report. Im requesting a 1XXXX ( Cancellation of Debt ) from the following charged-off account listed below : DISCOVERBANK XXXX After checking my most current report, the updated information stated the account was discharged and is now considered as income. This account can not be reported as a charge-off on my credit report if the account was discharged due to bankruptcy. Please send the 1099-C form.
Product: Debt collection

The Company Bryan, hodges , & Associates are sending spoofing text messages to me not identifying who they are but are portraying they are a friend and to call them back. Photo is attached. When I attempted to call out of concern the caller did not identify  themselves. I was told " XXXX '' was their litigator and then hung up on. I called back to try and gain some information on the company and why they were reaching out. I was met with hostility and then hung up on. I called a third time asking to speak to XXXX. I was told she doesn't accept incoming calls and she is a locator. I asked to speak to a supervisor or manager and was refused. At no time was I notified my call was being recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 2 accounts reporting on my credit report erroneously. I have written both companies asking for a contract with my wet signature and to no avail have either company supplied me with an original contract with my wet signature. It has been 45 days since I've called and written these companies and there has been no response they are supplying this information to XXXX, XXXX, and XXXX. These illegal reportings are hindering me from becoming a homeowner. Please investigate these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to delete the errors on my credit report. Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. I gave them over 120 days per Pandemic Crisis.
Product: Mortgage

In XXXX of XXXX i switched home owners insurance from XXXX to XXXXXXXX XXXX. my mortgage company, Right Path Servicing, continued to pay both insurance companies from XX/XX/XXXX till XXXX of XXXX. In doing so my escrow went into the negatives. when we realized something was off with our escrow we contacted Right Path Servicing. They told us that the previous mortgage company messed up on our tax totals and we owe them more money. so we had to get permission to pay an extra {$160.00} a month for 2 years to fix the escrow shortage. we started paying that in XX/XX/XXXX. In XXXX of XXXX we get a letter from state farm stating we would be cancelled for non payment. When i reached out to Right Path, they told me they had paid XXXX. I informed them that we did not have XXXX since XXXX. We discovered that XXXX was paid in XX/XX/XXXX {$1900.00}, XX/XX/XXXX {$2300.00}, and XX/XX/XXXX {$2500.00}. And state farm was also paid XX/XX/XXXX, and XX/XX/XXXX. After going back and forth between the escalation department for Right path Servicing ( XXXX ) and the Advocacy Customer resolution dept. ( XXXX ), the senior customer advocacy ( XXXX ) and XXXX, CRS XXXX Corporate Customer Advocacy Department, I still haven't gotten any resolution to this issue. This month looking at my online statement, it is now showing an additional {$380.00} a month to continue to correct the escrow shortage mistakes that the mortgage company made for the last three years. We are still waiting for Right Path Servicing to provide XXXX with a letter stating the mistake they made in order to release the back funds from XXXX to correct the escrow shortages and to get my mortgage back in good standings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several request to have XXXX remove an account off my credit report that is identity theft. I have sent letters as well as my identity theft report and XXXX will not remove account. I would like this to be resolved immediately.
Product: Credit reporting or other personal consumer reports

This is my second notice of fraudulent accounts on my credit report. I never benefited from any of these accounts or any transaction from these accounts. Per the FCRA, these fraudulent items have to be blocked and deleted from my report.
Product: Money transfer, virtual currency, or money service

I had 2 instances with cash app when something went wrong The first time I was shot and robbed for XXXX dollars thinking I was meeting up with a guy to buy a pair of shoes they only refunded me XXXX dollars of the XXXX. The other instances was when I bought something online thinking I was going to get what I paid for the guy took XXXX dollars and ran with it the whole business looked official and when I texted the cash app bot the basically just told me to bad ( I can't see the evidence I sent about the robbery but I'm sure they have the case because they did award me partial of my money due to the evidence )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 
XXXX : XXXX XXXX : XXXX XXXX  XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I saw my credit report and noticed that there are inaccurate and fraudulent accounts I needed to report and correct by your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Experian, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX and notify them of their error posting of information on my report. I requested for Method of Verification that mailed last XX/XX/2020 but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCHRONY FINANCIAL XXXX I tried to purchase a item at a XXXX  XXXX XXXX and a salesman decided to run my credit to see if I can purchase the item.ask would this get me any hard inquiry on my credit report he said no.he ran up and supposedly my card was to low for the purchase.so told me about SYNCHRONY FINANCIAL and I wasnt interested and told him I dont want the service and said ok.I went home later that day and realized that my credit score dropped and one hard inquiry on my credit report.he use my information and me up with out my consent after I refused his financial offer.
Product: Credit card or prepaid card

On my Walmart Rewards card ending in XXXX I have set up AUTOPAY on the bill due date for the MINIMUM AMOUNT DUE. 
For the XXXX through XXXX billing period I paid the bill and then some ( XXXX {$18.00} ; XXXX - {$300.00} ) early. Capital One 's website acknowledged ( see attached screenshot ) that a minimum payment was no longer due thus negating the ACH authorization. 

On XXXX Capital One attempted to process a payment of {$28.00} without my authorization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear XXXX XXXX Bank or whom it may concern, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from Premier Bankcard/First Premier ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Inaccurate Reporting of Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was charged off in XX/XX/XXXX, but late payments continue to be reported through XX/XX/XXXX. 
Once an account is charged off, new missed payments should not be reported because the debt is no longer an active, revolving obligation. 
This misleading reporting creates continuous damage to my credit score and violates 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of a credit obligation.

Contradictory Account Information ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account shows a credit limit of {$600.00}, but the reported balance after charge-off is {$920.00}, which exceeds the credit limit.

This suggests either improper reporting of fees or a balance that was inaccurately updated after charge-off.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires credit information to be reported accurately, including correct balance and credit limit details. 
Failure to Provide Accurate Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows that no payments have been made since at least XX/XX/XXXX, yet the report continues to mark the account as actively delinquent every month. 
If the charge-off occurred in XX/XX/XXXX, ongoing delinquencies should not be reported because the account is no longer accruing new missed payments. 
This failure to update the account properly violates 12 CFR 1002.10, which mandates that creditors ensure credit information is accurate and current.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information requires that reported credit data must be correct and updated. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.
Product: Checking or savings account

I took action on XX/XX/22 to stop the transactions from XXXX XXXX and have them use a different account. I was charged XX/XX/22. The bank refused to reverse.