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

XXXX XXXX turned my cable off next day. I am disputing ( Re- investigation ). The balance is inaccurate. See attached .and I turned in equipment as well. Please update credit file. all 3. inaccurate infornatuon. please adjust or remove.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of several late payments on my credit report. 
The following accounts are inaccurately reflecting late payments, which were, in fact, paid on time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the provisions of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are obligated to provide accurate information to consumer reporting agencies. It is unlawful to report late payments when, in reality, those payments were made on time.

Additionally, according to 15 U.S. Code 1681a 2 ( A ) ( i ), a " consumer report '' should not include information solely related to transactions or experiences between the consumer and the person making the report unless otherwise provided for under specific exceptions. 
The late payments reported on the accounts listed above are inaccurate and should not be included in my credit report. 
I request that you promptly investigate and correct these inaccuracies by removing the erroneous late payment entries from my credit report. I trust that you will update my credit report to reflect my actual payment history, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not using any third party for this matter. I represent myself by myself. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. I have filed FTC report for this matter and included this report in a package. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Please remove these fraud items from my report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent XXXX {$550.00} XXXX XXXX {$610.00} XXXX XXXX Universit {$1600.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX   {$1100.00} XXXX XXXX {$1000.00} XXXX XXXX {$2100.00} XXXX XXXX {$100.00} XXXX XXXX   {$100.00} XXXX XXXX {$500.00} XXXX XXXX {$100.00} XXXX {$1800.00} XXXX {$2000.00} XXXX XXXX {$740.00}
Product: Debt collection

This account was opened fraudulently. I have tried to fix this problem with XXXX XXXX, Portfolio Recovery, as well as the credit reporting agencies with no success.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting or other personal consumer reports

Privacy Notice XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX Macys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Effective Date : XX/XX/2024 Notice : Per the FCRA for the federally Protected Consumer : I XXXX XXXX XXXX now Opting out of any, and all Authorization is given to report my personal information to a third party such as XXXX, XXXX, and XXXX. All three agencies should not be reporting these transactions. I the consumer have given you written, unwritten verbal, and nonverbal or by unknowingly accepting said terms by simply giving my information to you, per 15 USC 6802. 
I have not been given any option to opt-out and would like it to be a permanent process under this contract agreement. Account has been paid in full as agreed. 

16 CFR 433.2 NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACTIS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLEROF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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

I admit. I made a late payment to Ford Motor Credit for XXXX and XX/XX/2017. I paid in full though the amount owed plus the late payment penalties and have had my account in good standing since. Ford Motor Credit reported these late payments to the credit bureau and I have no way to contact anyone with Ford Motor Credit to come to a resolution. I can only write a letter. No one contacted me Ford Motor Credit to make me aware of the report either.

Also. One reason for the Second late Payment was, I paid online for the XXXX late payment and it was scheduled and so therefore I would have to cancel it to make the XXXX payment. 
The reason for the late payment was due to a personal issue during which time I had to make some tough financial decisions. I overcame those issues to get my account current only to have Ford Motor Credit give reports on late payments on an account that is current 8 months later. 
Now I am trying to get a mortgage on a home and Ford Motor Credits dated faulty report is hurting especially with XXXX and I have no one to contact with FMC to resolve the issue.
Product: Credit card or prepaid card

I received a bill for {$2200.00} for an IKEA credit card for a purchase made on XX/XX/2022. I've never opened a credit card account with this company nor purchased anything in the month of XXXX from IKEA. I have called Comenity Bank ( issuer of the credit card ) multiple times and they have only forwarded me to the fraud department. I have waited on hold multiple times for over 2 hours with no answer. They seemingly do not care that this account was fraudulent.
Product: Credit reporting or other personal consumer reports

There were fraud credit reports pulled with my XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 none of these were ever authorized by me but someone using my social as fraud
Product: Mortgage

I applied for and was approved for the XXXX program. Once I finished everything required of me, they just disappeared and I couldn't get in touch with anyone. They were supposed to help pay my arrears. I lost my job and couldn't find another one because of the pandemic. I filed for bankruptcy and once I had a job, I made payments until I lost that job because I worked for the bank that the FDIC shut down ( XXXX XXXXXXXX XXXX  ). I haven't found a job since then. I just need help. Selene keeps charging me fees that aren't necessary, a {$220.00} yard service fee monthly and a {$20.00} home appraisal fee each month. It's ridiculous.
Product: Debt collection

In accordance to the Fair Credit Reporting Act, XXXX, XXXX has violated my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the accuracy of this information and correct or remove any inaccuracies. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into any disputed information and correct any errors or outdated data in my credit file.

Furthermore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), I request that you remove any information related to fraudulent accounts or activities that I did not authorize. This section of the FCRA mandates that information relating to fraudulent accounts must be removed from a consumers credit report within a reasonable period once reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was deleted from my credit file then placed back on just recently.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Received letter dated XX/XX/XXXX from Wells Fargo Customer Care in XXXX, OR. Letter told me their records indicated I was enrolled in ACCIDENTAL DEATH product from XX/XX/XXXX - XX/XX/XXXX. If I did not authorize this enrollment I was to call them at XXXX so that they could Care for any impact the enrollment may have caused. 

I called the above number and, after giving my name and some numbers on the letter ( SHRP #, Membership #, Reference # ). They were not able to answer my questions and transferred me to another person which I waited on hold for nearly 5 minutes only to be told that they were not able to provide me with the information I had requested as they were contracted by Wells Fargo and didnt have access. They would forward my request and I should be receiving a letter in the mail from Wells Fargo regarding the matter. 

I then looked up information about Wells Fargo and learned that they had sent these letters to many people and others had had the same experience as I did when they phoned.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number is XXXX XXXX my complaint on equifax credit reporting agency there's a charge off from XXXX XXXXl it's fraud and supposed to be removed please have equifax removed that one averse account. And regarding XXXX XXXX there are four charge off accounts that are fraud please have XXXX XXXX removed them I have a fcc report on file and regarding experian there are 3 negative items that are fraud I have a fcc report
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXXXXXX XXXX  {$620.00} XXXX. XXXX XXXX {$620.00} XXXX. Pa Child Support XXXX {$1100.00} XXXX. XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a TransUnion dispute about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  online and thru a TransUnion customer service representative on XX/XX/2023. When I followed up about my dispute in XX/XX/2023 via phone and via the TransUnion website, I did not receive any information about the dispute. The representatives said the dispute did not exist, and the website gave me an error message stating " no access ... ''. The representative later said the account was updated by the merchant. I asked them about the status of the dispute and whether the merchant responded to my dispute. The representative attempted to confuse me by using the terms 'update ' and 'response ' interchangeably although the two terms differ in meaning. One representative told me that due to the merchant disagreeing with the dispute, the error or problem will remain on my credit report. That representative also told me that TransUnion does not conduct investigations. Other representatives did not see a dispute in the system at all. I called TransUnion on several different days in XX/XX/2023, and several representatives began letting the call continue in silence or unresponsiveness. I am unable to view and track my dispute in written form. I am unable to view and track my dispute in any other form.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.
Product: Debt collection

I received a letter from Radius Global Solutions stating I owe {$170.00} to XXXX XXXX XXXX. From my understanding, this would fall under the medical debt under {$500.00}, which they shouldnt be able to report or collect. Im not familiar with the rules, so I figured Id submit a complaint if it aligns with that law.
Product: Mortgage

Loancare failed to pay my property taxes as promised by their representatives. Now, I am charged with delinquent fees and the original property taxes. The representatives promised that Loancare will assist me with paying all of the property taxes, secured and supplemental taxes. The representatives promised that Loancare will use my escrow account to pay the taxes as long as I submitted the tax bills using their online portal before the due date. Loancare committed to pay all delinquent fees if they do not pay the tax bills on time. 

I sent in my tax bills using their online portal on XX/XX/2023. The due date was XX/XX/2023. I even received a confirmation email confirming they have received my tax bills. I did everything the representatives told me to do. 

On XX/XX/2023, I saw that my tax bills were not paid and I was charged delinquent fees. I spent over 42 minutes on the phone with Loancare. I was bounced around between at least 3 representatives before the last one finally made an escalation ticket. All of them repeatedly denied the commitments to pay for all submitted taxes and delinquent fees. 

I have till XX/XX/2023 to submit the supplemental taxes and delinquent fees Loancare failed to pay for me. I am requesting assistance from CFPB to enforce the commitments made by Loancare. 

They violated their financial commitments to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 : XXXXXXXX XXXX XXXX **** Balanced : {$0.00}
Product: Checking or savings account

Capital One will not allow me to link my accounts to a third party accounting service. Specifically, XXXX - XXXX XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XXXX XXXX ; XXXX - XX/XX/XXXX and XXXXXXXX XXXX - XX/XX/XXXX. I demand the deletion of these inquiries from my TransUnion report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

XXXX5 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: Checking or savings account

So previously, I had an account with Wells Fargo, but I had some unauthorized transactions and also someone hacked my account and I reported this to Wells Fargo and then I got an email from Wells Fargo indicating that theyre going to to close out my account and that I can reapply after 90 days Which I went into my local Wells Fargo branch to opening an account and they said that there is a lock on my profile so theres no way for them to open out account. They tried calling loss prevention to see if there is an override they can do it, but they said That I have to fill out an identity packet which when originally I had this happened to me, no one indicated that and its frustrating because Im just getting the runaround. I spent two hours at the branch trying to figure this out and no one is giving me some clear answers all Im trying to do is open up an account And loss prevention and identity that is telling me that I should be able to open up account but when the branch manager is trying to open up the account, it still shows that its locked
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$280.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Checking or savings account

I receive my paycheck every two weeks on Fridays. Today, XX/XX/year>, I have not received my direct deposit. I have not received an email on what could be happening or if there is a timeframe of when this issue will be resolved. All I have been aware of is that the bank is currently experiencing technical issues, however, no formal statement has been made about why it is affecting my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX