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

This involves all 3 bureaus ( XXXX, Experian, and XXXX ) as well as the furnisher of inaccurate information ( XXXX XXXXXXXX XXXX ) On numerous occasions, I have filed disputes with all 3 bureaus listed regarding the inaccurate reporting of an account that is not mine. 

XXXX XXXXXXXX XXXXk XXXX I have asked for this account to be removed, yet it was inaccurately verified as accurate on all occasions and remains on all XXXX reports. 

It is not possible for any of the 3 bureaus to report this account accurately when each one has reported discrepancies with the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Status, and last Payment. I will attach proof of these reporting discrepancies. This alone is grounds for removal I must also point out that my rights are being violated under 15 U.S.C. 1681 section 604 A Section 2 : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written permission to Experian, XXXX, or XXXX ( consumer reporting agencies by definition ) to report this inaccurate account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

Bankruptcy chapter XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} personal XX/XX/year>
Product: Debt collection

I had insurance and still have insurance and they wouldn't run it back through insurance for the correct amount. Even though they wouldn't run it back through insurance this is still showing the wrong amount that was due.
Product: Credit reporting

Multiple wrong address information..on my XXXX, XXXX and Equifax credit files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX../..XXXX XXXX XXXX XXXX, XXXX XXXX../. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX../.. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 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

Hello This complaint is against the three credit reporting companies. XXXX, Trans Union and XXXX. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified the three credit agencies previously stated with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX XXXX XXXX. 
The response from XXXX and XXXX  was that it was verified through their third partner XXXX. That can not be correct because I have a Freeze on my XXXX XXXX account since XX/XX/XXXX. which no one can obtain my report for anything until I unfreeze it. 
I wrote XXXX and XXXX a second letter and mailed them on XX/XX/2019 telling them that they have lied when they said that they verified the two accounts in question using XXXX because I have a freeze on my account and when I called XXXX on XX/XX/2019 they stated that no one has requested or attempted access to my account this year. I told them that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Only XXXX wrote back a letter dated XX/XX/2019 stating that XXXX verified the accounts and that I should talk to them if I have a complaint. 

Trans Union never responded to my letter dated XX/XX/2019 to verifiy the two accounts in question since and the 30 plus days to investigate my claim has been expired. When I Checked my Credit report with TransUnion, It states that they too uses XXXX to verify the two accounts in question. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

Please investigate these compnaies because what they are doing is wrong. They are using a third party that gives wrong information and attach it to your account and then tell you to fight them to get it corrected. No I dont have to fight because XXXX, XXXX and Trans union all lied and said that XXXX verified and account which is impossible because my account with them is FROZEN and no one can access it but I. I demand that these items on my account that was not verified be removed from my account because they are in violation of my rights and not to mention, Trans union did not even respond to my investigation request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX XXXX XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Current Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Tx XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
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 : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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

On XX/XX/XXXX I sent Us Bank via email the application for mortgage assistance. Via mail Us Bank requested additional information that I sent to them on XX/XX/XXXX ( proof of income for XXXX and I ). I called and spoke to a representative on XX/XX/XXXX about an agency with the city of XXXX making a {$1700.00} payment for my XXXX mortgage payment. I called today XX/XX/XXXX and was advised my application had been removed. The agent I spoke to could not tell me who authorized the application to be removed. Said that I would have to submit a new application. I asked to speak to a supervisor was put on hold for more than 15 minutes and was eventually randomly hung up on.
Product: Money transfer, virtual currency, or money service

I was a victim of a XXXX scam in which I sent {$280.00} to the seller through Wells Fargo, using XXXX. Immediately after the transfer was completed I contacted them to cancel the payment because I realized I had been scammed. Wells Fargo explained that because I had authorized the transaction and it had been completed they could not do anything, but suggested I contact local authorities. After learning the only authorities that would hear my case were the FBI, I investigated what my other options were. I found out that you could find out what bank the money was sent to by contacting your bank, and that upon learning which bank the scammer had an account at you could launch an investigation on that account. So, I contact Wells Fargo to get information regarding which bank the scammer had an account at. The scammers account was also at Wells Fargo. At which point I asked if I could launch an investigation or what the next steps were, only to be told that because I authorized the payment it did n't count at fraud, which is true it was n't fraud on my account, but the owner of the other account committed fraud, according to California Penal Code 484 ( a ). But Wells Fargo continued to tell me that it was unlikely I would get my money back, and that this account is valid. Wells Fargo is allowing criminals to use their accounts to conduct criminal activity, as is XXXX as there have been numerous account of scams that occurred through XXXX, and large forums of scammers collaborating on how to use XXXX for scamming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written the CRA numerous times to remove a late payment that is reporting on my account with XXXX XXXX. I previously demanded that CRA delete the late payment on my account. But CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I have never given any CRA written instruction to report anything on me let alone a late payment. And when I gave them written instruction demanding what I want, they ignored my instructions and continue to report inaccurate information, that is unfair and unequitable to me as the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completed the final payment on my car loan and it is still reflecting I owe money. In XX/XX/2018 it shows that I was late on my payment. Incorrect information.
Product: Mortgage

I am explaining what happened as a victim that experienced FINANCIAL ABUSE, FINANCIAL EXPLOITATION, and FINANCIAL FRAUD in the mortgage process and Sale of my home at XXXX XXXX XXXX, XXXX, MD XXXX by XXXX XXXX XXXX, FAY SERVICING, XXXX, AND XXXX. 

Also, I had stated in writing and verbally that the Mortgage Balance amount was wrong and needed to be corrected, which was not done properly. The Appraisal process was not done properly in showing my home being built and moved in XX/XX/XXXX, resulting in a wrong Appraised Value lower that was not properly corrected. 

Additionally, the XXXX XXXX XXXX CLASS ACTION SETTLEMENT was approved with Final Order by XXXX XXXX XXXX, U.S. District Judge on XX/XX/XXXX, that I was a part of this Class Action Settlement for the {$5.00} Million agreed pay amount. 

Furthermore, I received an email dated XX/XX/XXXX, the SECURITIES AND EXCHANGE COMMISSION CHARGED XXXX with Widespread Recordkeeping Failures and agreed to pay {$15.00} Million. 

I HAVE NOT RECEIVED ANY COMPENSATION AT THIS PARTICULAR TIME YET!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS CREATING FINANCIAL INJURY. THEY ARE REPORTING A FALSE AND INACCURATE SCORE OF A ( 4 ) TO MY ACCOUNT. I AM HAVING ISSUES GETTING HOUSING BECAUSE OF THIS. I ALSO AM HAVING ISSUES RECEVING A CREDIT CARD. I'M BEING DISCRIMINATED AND VIOLATED TERRIBLY. WILL TAKE TO COURT IF ALL HARD INQURIES ARE NOT REMOVED AND I RECEIVE A SCORE OF XXXX AND BETTER. 

SUCCUSSFULLY COMPLETED IDENTITY THEFT REPORT
Product: Checking or savings account

I received an email notification that a MoneyLion account had been created in my name. I accessed the account online by resetting the password and confirmed some of my personal information was used in creating the account ( email, work address, first/middle/last name, date of birth, SSN ).

My credit file has a fraud alert, but moneylion still permitted this account to be created.

I called moneylion and they closed the account, but I wanted to alert you to this issue as there are many many reports online of people being scammed in this way, with moneylion accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted onXXXX and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.

I expect your immediate response and resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is inaccurate, and needs to be corrected. XXXX XXXX account dated XX/XX/2023 is inaccurate and need to be deleted off of my credit report!
Product: Debt collection

I want all collections removed from my XXXX  report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not accurate and I want them removed
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Seems my 1st payment was due on XX/XX/XXXX ... it was mailed well before XXXX and with adequate time to get there on the XX/XX/XXXX ... however the payment got there but was not posted untilXX/XX/XXXX and Pay Pal stuck a 30 buck late fee on it ... once again ... while looking over my statement I find another late charge for XXXX bucks ... this one was for XX/XX/XXXX payment ... despite being mailed with on time they did not post this payment until XX/XX/XXXX ... I make all my payment on time and most well ahead of schedule but somehow I think I am being screwed here ... I don't do business like this and something is amiss here ... and unlike other accounts there is no grace period for anything with them ...
Product: Credit reporting or other personal consumer reports

The payment history of my account is not correct. The report shows that I was delinquent for XX/XX/XXXX payment ( XX/XX/XXXX being 30 day cutoff for 30 days past due ). My car was deemed a total loss by XXXX XXXX due to accident on XX/XX/2024. ( XXXX actually happened in XXXX ) but it took till XX/XX/XXXX for total loss determination during which time I continued to pay loan even though the car was undrivable and at auto body facility. XXXX XXXX then sent letter to me ( attached ) that the loan was to be paid off directly with my loan holder ... XXXX Bank. I received a letter stating the loan was entirely paid off on XX/XX/XXXX. 8 days before a 30 day delinquency which I was monitoring very carefully to avoid any late payments. Due to an error by my insurance company however they never notified me that XXXX rejected this payment because it was short {$92.00} ( out of {$58000.00} ). However... they did send a {$58000.00} payment. After sending me attached letter stating loan was paid off neither XXXX nor XXXX informed me it was not posted to my account and still in process. And even though my insurance company sent {$58000.00} XXXX deemed my account to be 30 days delinquent because their system did not accept the additional {$92.00} until after the XX/XX/XXXX XXXX delinquency cut off. However ... .again ... It was communicated to me that my loan was paid off and no further payment was required. I have NEVER had a delinquency on my auto loans. As you can see from my history I paid on time every time. This is an error on my insurance companies fault and Truist never communicated with me it was not paid off while they were working through the process. XXXX XXXX even got on the phone with XXXX and indicated it was not my error... but an error between XXXX and XXXX. In speaking with XXXX they agreed this delinquency was not my error and would reach out to credit bureaus to correct. However... they have now declined to help me. After escalating to management they are now taking the position it was not their error and refuse to help me any further. Prior to this issue I had a credit score of XXXX. Overnight it went to XXXX. This has severe financial consequences for myself and family thru no fault of my own. This is very harmful and I do not feel due to my insurance companies mistake and lack of communication from Truist I should be held responsible for this delinquency when I have a spotless payment record. Thanks you for you consideration.
Product: Payday loan, title loan, or personal loan

Self is reporting these 2 accounts as open which is making my XXXX reporting raise 47 points & drop 47 points, this account was charged off based on the total I paid into the self installment account that they never refunded to me. This is not only a violation of the FDCPA but its also a violation of the FCRA to unlawfully report a charged off account as current