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

This is my complaint regarding being a victim of erroneous credit reporting. Under Section 605B ( a ) of the Fair Credit Reporting Act, you are required to remove any items that were opened without my knowledge, consent, or authorization within four business days upon receipt of the following : ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the disputed information by me; and ( 4 ) a statement from me asserting that the information is not related to any of my transactions. The following items are inaccurate and need to be removed : XXXX : XXXX XXXX XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} -- -- -- -- -- TransUnion : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX If you assert that these items are entirely accurate and verifiable, I request copies of any documentation associated with these items that bear my signature, as I believe such documentation does not exist. If no signed agreement bearing my signature is found, these items must be removed from my file. Please note that I am sending this attached letter via certified mail to protect my rights. Based on my research, it appears that non-compliance with the aforementioned FCRA statute is a recurring issue. Should you fail to address my request, I will escalate this matter to my attorney for further action. Let us avoid making this a litigious issue. You have four business days to remove the reporting of any items in my credit file that stem from incorrect credit reporting. I do not consent to E-OSCAR or any automated verification methods.
Product: Credit reporting or other personal consumer reports

I have had a XXXX  with SSFCU for many years with the balance for the past year at around {$100.00} and the payments being interest only and around a {$1.00} per month. A couple of months ago the payment processing system would not let me make any payment online or turn on auto bill pay and I would receive an error notice ( image attached ) directing me to a phone number that when called told me to call back later. I had only left the loan open as a line of credit but decided to close it. I began receiving messages that I was in default of the loan and a message from the credit agencies. I immediately wired the entire balance in full on XX/XX/year> and disputed the default to the credit agencies. I received a denial of the dispute with no details. This appears to be done to intentionally drive down individuals credit scores resulting in higher returns for the banks at the expense of the consumer. Defaulting a loan for {$1.00} on while not accepting payments is unacceptable and unfortunately will not be doing business with SSFCU again
Product: Credit reporting or other personal consumer reports

I noticed an error on my credit report provided by Experian. The report inaccurately listed [ describe the issue, e.g., a collection account or incorrect payment history ] that does not belong to me. I disputed this information with Experian, providing supporting documentation to prove the inaccuracy. Despite my efforts, Experian failed to remove or correct the information. This has negatively impacted my credit score and my ability to secure a car loan and credit card applications. I am requesting that this matter be resolved promptly, and that Experian ensures the accurate reporting of my credit information moving forward.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, a resolution to these issues has remained elusive. Your firm 's response to my letter addressed to the credit bureaus indicates that my request for verification of inaccuracies on my report is being categorized as " frivolous '' or " irrelevant. '' I want to emphasize that I do not consider a matter of such personal significance as frivolous or irrelevant. If my initial request to verify the items outlined in my previous certified mail is disregarded, I am prepared to escalate the matter by filing a complaint with the Federal Trade Commission against your company. Consequently, a thorough reevaluation of the following information is imperative. I respectfully request validation of the alleged item, specifically the contract, note, or any other document bearing my signature. In the absence of such validation, I insist on the expeditious removal of these items from the report.
Product: Mortgage

Reuesting that experian remove all my XXXX, XXXX late payment while i was in forebearance. 
I need the late information removed. it was unfair to be reported as late. 

forebearance rules say, no late or miss payment would be reported as late while in forebearance per the gov't issued rules to any of the 3 reported credit agencies. 

I was granted forebearance from all of XXXX to XXXX, then loan modification review period from XX/XX/XXXX to XXXX of XXXX. 

I was just granted hardship by XXXX XXXX, I had filed back in XX/XX/XXXX, that the co-borrower died of XXXX. I had been asking for relief until end of XX/XX/XXXX. 

Was told by XXXX XXXX, Loss and mitigation dept. they are overloaded with request and did not have time until now to offer me hardship, it was an overview. 

My Loan modification to begin with New Payment of {$2500.00}, it is being changed from {$2800.00}.
Product: Credit reporting or other personal consumer reports

Please remove the following Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Fraud - Did Not Authorize
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : US DEPT ED # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : US DEPT ED # XXXX Account Name : US DEPT ED # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed a dispute to XXXX  regarding ambulatory service charges of {$1400.00} through XXXX XXXX. My insurance info was given many times so i am not sure why this account is in collections. When i filed a dispute it took very long for them to give an answer and i had to dig for the answer ( re file a dispute gave me my answer that XXXX  did nothing ). XXXX  never reached out to me or emailed me to tell me they had an answer. This info is incorrect and should not be in collections. This battered my credit score.
Product: Debt collection

Hello, I received a postjudge letter in the mail from a Scott & associates. stating they have filed a judgment against me in the about of XXXX there clients name is XXXX XXXX XXXX. 
I have never heard of either companies and this is the first communication that, I received. I do not know how this company can get a judgement granted without showing prove that they had tried several times to collect a debt from me. again i have never seen and type of collection notice from either party prior to XX/XX/2024. I have never had any account with XXXX XXXX or scoots & associates. I am sure both parties have violated several state and federal collections laws.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the account below XXXX XXXX XXXX, Account XXXX XXXX which XXXX stated has been verified and updated. I am writing to request a detailed description of the investigative process followed by your agency regarding the disputed account on my credit report. Pursuant to the FCRA 15 USC 1681 ( 7 ). Under section 15 USC 1681 ( 7 ), credit reporting agencies are obliged to provide a description of the investigation within 15 days of receiving a consumer dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX : XXXX. XXXX, XXXX 2. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 3. XXXX Inquiry : XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX Inquiry : XXXX XXXX, XXXX 6. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 7. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 8. XXXX XXXX/XXXX  XXXX  Inquiry : XXXX XXXX, XXXX 9. XXXX XXXX  Inquiry : XXXX XXXX, XXXX 10. XXXX Inquiry : XXXX XXXX, XXXX 11. XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX : 1. XXXX Inquiry : XXXX XXXX, XXXX TRANSUNION : 1. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 3. XXXX Inquiry : XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX Inquiry : XXXX XXXX, XXXX 6. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 7. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 8. XXXX XXXX/XXXX XXXX  Inquiry : XXXX XXXX, XXXX 9. XXXX XXXX  XXXX : XXXX XXXX, XXXX 10. XXXX Inquiry : XXXX XXXX, XXXX 11. XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  SS XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a letter that stated : You can request to have the PMI cancelled on or after these dates : The date the principal balance of your mortgage principal is first scheduled to reach 80 % of the original loan value. 

There were some things about additional qualifications in there, but when I called to ask about it, I was told it had to be on that day not when it was scheduled. Either the letter or the person who argued semantics with me on the phone is wrong. 

I called the number on the front of the letter and spoke to a gentleman around XXXX XXXX on XX/XX/XXXX from XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Student loan

They are reporting missed payments on my credit report that is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 an Collections account from XXXX XXXX company for XXXX that does NOT belong to me has reported on Transunion and XXXX. I have reached out numerous of times to both companies stating that. I never had XXXX services. The address that they have linked to the XXXX services that they CLAIM Is mines the address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have spoken to them and told them that I have never lived at that address. My CORRECT old address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. Apartment XXXX is not my apartment number. I have bank statements to prove that I have never lived at that XXXX address. Credit bureaus are failing to verify information on this account.
Product: Checking or savings account

XXXX XXXX withdraw from Bank of America my checking account - {$4900.00} through XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX 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 XXXXXXXX Someone use my name & address to apply business account through Rhode Island Department of revenue XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported that I have a payment greater than 30 days past due in XX/XX/XXXX. However, the statement I received in XX/XX/XXXX was misleading and led to a misunderstanding about the actual due date for the payment. The XXXX statement combines the overdue amount with new charges and assigned a new due date of XX/XX/XXXX. Because of this layout, and failure to identify that a subset of this amount was actually due before XX/XX/XXXX, my actual payment date of XX/XX/XXXX was considered late for the overdue amount from XXXX. I'd like to make sure that others don't suffer from a similar misinterpretation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint so that this agency can not claim ignorance
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the company and told them this inquiry is not mine and I was a victim of ID theft. They told me to supply a police report, which I did. Once I did they would not accept it because it did not list them as a creditor -- they are NOT a creditor - it's an inquiry I am trying to remove and there is NO PLACE for a CREDITOR on the police report. I told them this is what they asked for and this is what they got. They refuse to proceed further.
Product: Credit card

On XX/XX/2023. Packages started arriving at my door for purchases that were made with Chase credit card from XXXX. Someone named XXXX broke into my XXXX account made purchases tried to have the items redirected and shipping to a XXXX location pick up. XXXX did not re-direct those packages to XXXX but deliver them to my door. I did not make those purchases. I contacted XXXX and found out this person named XXXX ordered online gaming codes and Mel vitamin pills. He redeemed them online gaming codes but the mill vitamin pills arrived at my home instead. I called Chase disputing the transaction and they said they would deal with it remove it and then they re-posted the Amount of {$440.00} to my account during XXXX billing statement I try to dispute the transaction with them again they are being very unhelpful not listening to me. I have proof I did not make these purchases. I have online proof that the person name XXXX XXXX these purchases try to redirect my packages and sign for a package in my name. I called Chase and asked for a new card, asked for the old one to be locked and replace I have not received a new card. I called them to dispute. I asked her paperwork in the mail so I can send them proof, and I have not received it yet. They been very unhelpful. I also found chase.com has leaked my information on the XXXX web. All of my email and banking information has been leaked from chase.com during my own private investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please help me and do not ignore my message as I have something wrong in my profile. I am writing to you as I have a big mistake in my credit report .... I found the accounts that I do not recognize, I believe I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these items in my profile. I am requesting that you delete information from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Product: Credit card

I need CAPITAL ONE BANK ( USA ) N.A. to answer the questions and give me documentation that I asked for down below Re : XXXX What was the Max the application was run for?

I Demand on how the all caps name gets from account receivable at receiving my card and then swapped to account payable turning my credit card into a debit card? 

Request is for the original instrument on the underlying obligation. ( Original application/ source documentation bearing my social security account number that created the alleged account. ) Unless it's normal business practice for CAPITAL ONE BANK ( USA ) N.A. to restrict trade and or performance.

Who is the original creditor? not the creditor, then a request for CAPITAL ONE BANK ( USA ) N.A. mandatory license, Insurance and bond information to be a qualified debt collector, to indemnify me for your commercial liability for making a false claim against my estate.

I need CAPITAL ONE BANK ( USA ) N.A. to provide the ( GAAP ) generally accepted accounting principles for this account. 

Provide me with a certified copy of the XXXX form prior to the initiation of this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about XXXX, XXXX, and Equifax 's multiple violations of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Privacy Act of 1974, and related statutes. 

The core of my complaint is rooted in the failure of XXXX, XXXX, and Equifax to comply with the FCRA 's mandate for accuracy, fairness, and privacy in handling my consumer report and personal information, as outlined below : Violation of FCRA 1681a, 1681b, and 1681c : The agencies included adverse information in my consumer report and has furnished my consumer report without my written consent, contrary to the requirement for explicit consumer permission for such disclosures. 

Infringement of Privacy Act of 1974 and FCRA 1681s-2 ( a ) ( 1 ) ( A ) : The agencies reported inaccurate information and failed to maintain reasonable procedures to avoid such inaccuracies, directly violating my rights to accuracy and privacy.

Non-Compliance with Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) : I have not been adequately informed of my right to opt-out of information sharing as required, nor have I given any form of consentwritten, verbal, implied, or otherwisefor my personal information to be shared with nonaffiliated third parties.

Exercise of Right to Opt-Out : In accordance with 12 CFR 1016.7 and my rights under the aforementioned laws, I hereby opt-out of all future reporting and sharing of my personal information by XXXX, XXXX, and Equifax XXXX 

I assert that the actions of XXXX, XXXX, and Equifax have not only violated specific statutes of the FCRA but have also breached the broader principles of fairness, impartiality, and respect for consumer privacy as mandated by Congress.

I request a thorough investigation into these matters and appropriate corrective actions to ensure the protection and confidentiality of my personal information. I also seek confirmation of my opt-out from further information sharing and an assurance of compliance with all relevant consumer protection laws. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent XXXX and all required documents to them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$9100.00} XXXX XXXX {$3900.00}