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

This letter is formal complaint that credit bureaus have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet credit bureaus have failed to respond. 

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
2. This account resulted due to identity theft. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Mortgage

have been working with this XXXX XXXX XXXX for over a year. To my excitement they finally pre-approved me and got me underwritten for a home loan. When we found our home we were denied. That was n't the hardest part of the process because they have misinformed me about percentages and other vital details during the loan processed. That was n't the hardest part of the process because they have missing for me about percentages and other vital details during the loan process. Another loan office wanted to pick up the deal and they would n't release it until I paid them. So I gladly gave them {$500.00} so I can move forward. Come to find out after losing our home and being the night again that they had so I gladly gave them {$500.00} so I can move forward. Come to find out after losing our home ( rental ) and being denied again that they had a block on our loan. We are now currently living in a friends tiny trailer with our XXXX kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, amd Transunion refuse to remove several accounts and inquires off my credit report Ive filed identity thief claims and shown proof they refuse to update my credit report neither have they sent me requested information stating how was the account verified they are mixing my information up with a person who have the same name as mine listed addresses and accounts Ive never been associated with this has been going on for the last 2 yrs
Product: Credit card or prepaid card

I called XXXX to place my card as lost. I don't know where my card is and need a replacement. After 1 hour 24 minutes supervisor told me that my address had not been updated and that I would need to call back in 8 days to request replacement card. I advised representative/supervisor I called and updated address over a year and half ago and would like confirmation of our phone call. Supervisor XXXX employ ID XXXX stated he isn't authorized to sent confirmation of anything about card. He then stated he would send information through mail but it would go to old address. He then proceeded to tell me they have no ability to send information or confirmation of transactions to customers. This is unfair business practice of waiting for almost two hours then to be told the original address change never took place and a second call would be needed to replace card. Advised supervisor I need verification of this phone  call to ensure this card is deactivated. He stated he can't send this information. Asked for address : XXXX XXXX  XXXX XXXX, Florida XXXX is address was provided. Customer service through this bank is the worst I've ever experienced. I've requested card to be deactivated and will not use this bank or refer this bank in the future. Unfair business practices to consumers. Refused confirmation of any call or change completed after over an hour on the phone.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute negative and erroneous claims that werent resolved. I respectfully request a review of the circumstances and request that this matter be resolved in a fair and just manner. 

Specifically, the nature of the noncompliance charge and the related allegations of negligence seem to have been based on incomplete or inaccurate information. Experian, XXXX & XXXX both has incorrect reports on my credit profile. 

To the best of my knowledge, I have fully complied with all relevant standards and regulations. 

I kindly ask that you reconsider the details of the claim, as I believe that the circumstances surrounding this situation have been misinterpreted. 
I look forward to your prompt response and a resolution to this situation Thank you for your time and attention to this issue.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have a few accounts with Chase bank. 
XXXX, XXXX, XXXX. 
I added XXXX XXXX as an authorized user on all my accounts. In XX/XX/XXXX XXXX requested to be removed from my account. I then proceeded and called Chase in XX/XX/XXXX to have him removed. Chase confirmed that they will do so. 
In XX/XX/XXXX Mr. XXXX XXXX informed me that the banks are still on his report and causing him damage. He is about to lose his house due to the account being on his report. He can not refinance his mortgage. POSSIBLE DAMAGES in excess of {$50000.00} if my accounts are not removed from his report asap! 
In XX/XX/XXXX I called Chase and they told me I should fax them and they will promptly remove it. I proceeded and did so ( see attached ) As of today, the account is still not removed. 
XXXX is currently suing me. 
Please have them remove him from my accounts asap.
Product: Prepaid card

My card was stolen and used by someone other than me without my permission. I called and reported the unauthorized use and was told they would be sending out paperwork for me to fill out and return. It is a XXXX XXXX XXXX with XXXX XXXX on fraudulent transactions. XXXX  Days have past and I received the new card but not the paperwork. I called customer service today and I was told that they sided against me and are not returning my stolen money. I asked XXXX or XXXX time to speak to someone who was a supervisor and was refused. The rep just kept repeating that the investigation was not in my favor and refused to allow me to speak to a supervisor. I was not even afforded the right to present my documents or proof of the fraud.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT. THE LIST OF ACCOUNTS HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C. 1681XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE 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 } SECTIONS STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY SEVEN YEARS. 15 U.S.C. 1681s-2 { A } { 1 } A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF XXXX KNOWS OR REASONABLE CAUSE TO BELIEVE THAT THAT THEINFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Towhom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. 
Here 's the wrong info : XXXX is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Product: Credit reporting or other personal consumer reports

I am been a victim of fraud. Someone has used my XXXX XXXX XXXXXXXX account to do fraud activities in different states
Product: Debt collection

XXXX XXXX tried to collect this debt ( on XX/XX/year> ) and was reporting it on my credit report as a collection until I requested a debt validation and proof of serviceI filed a complaint with the CFPB that was concluded on XX/XX/year> that the company was unable to validate or verify the debt and would request the information be removed from my credit profile. From the looks of it that company ( XXXX XXXX ) has now sold that very same debt to this new company and is now reporting it under a new fraudulent collection.
Product: Credit reporting

I am in receipt of the attached Equifax report number XXXX, dated XXXX, and discovered the following reporting problems which Equifax is placing the blame on XXXX XXXX : 1. The FCRA requires creditors to provide their name address and telephone on the credit report to allow consumers to dispute inaccurate information directly with the creditor. 

Please note the number ( XXXX ) XXXX, XXXX is listing on the report does not provide contact with XXXX but is a telemarketing number, which not only blatantly ignores the law but selling products while doing so takes arrogance to a completely new level. 

2. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XX/XX/XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month on both accounts where is the data from XX/XX/XXXX to present? 
3. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and shows no data on the account prior to XX/XX/XXXX, how is this possible when both accounts had been established since XXXX? Where is the data and why was this reporting information being withheld from Equifax? 

4. The credit limit on both accounts is {$3800.00}, on each account why is the credit limit on the Equifax , credit report listed at {$2500.00}, which is showing an inaccurate credit to debt ratio and lowers my credit scores. 

5. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, how is this possible when payments are made each month, where is the data from these months and why is the information being withheld from Equifax. 

6. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month where is the data from XX/XX/XXXX to present and why is this information being withheld from the credit reporting bureaus
Product: Debt collection

LVNV FUNDING LLC has placed a collection account on my credit report without providing debt validation in compliance with 15 USC 1692g ( a ). Attached is a debt validation request. Please be sure to provide all documentary evidence that proves that I owe the alleged debt. This includes any and all original documents with my wet ink signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft, my personal information was used by thiefs to open fraudulent accounts ... After filling FTC identity theft report with Federal Trade Commission i have sent a Request to Equifax to block fraudulent accounts from my credit report under FCRA 605B. My Request letter was sent on XX/XX/2019 Via Usps Certified mail and received by Equifax in XX/XX/2019. In said request letter i have enclosed Copy of my FTC identity theft report, proof of identity, copy of Credit report and copy of Fair Credit reporting Act Section 605B. As per FCRA 605b credit reporting agency is required to block fraudulent accounts from my credit file in 4 business days after receiving my request. As of today XX/XX/2019 fraudulent accounts are still on my report and are not blocked. 
Please see the Copy of my request along with required documents sent to Equifax attached.
Product: Credit card or prepaid card

I was in some personal emergency and with no access to a PC or mobile phone, so used a phone agent with me bank to process a payment to my credit card company, Capital One, on XX/XX/2020. My bank, XXXX, stated they made the payment for me in the amount of {$150.00} on the XX/XX/XXXX, when called, however they did not. On XX/XX/XXXX I was alerted of a late payment 30 days+ by credit reporting monitor, where I discovered that Capital One on a Wal-Mart MasterCard reported me late for {$3.00} overdue. This would have been covered by the {$150.00} payment from my bank except they failed to process. I contacted my bank, who investigated the issue and confirmed their representative did indeed inform me the payment had been made, but when in fact is had not. XXXX has issued a letter detailing this error, and has requested that any creditor ( in this case, Capital One ) take this as an error on the Bank 's part, and requested to remove any negative impact this caused. I am asking that Capital One do that, as I made the payment in good faith via my bank, who made the error in processing the payment. THis has impacted my credit rating, and I would like to have that restored.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account listed below is in violation not reporting 100 % accurate it lists. The entire amount is holding monies for the entirety of the debt to be paid off. Also, I have not given written permission for this debt to be shared with any other 3rd party. 

Account Name : Commonwealth of VA ; VA Dept Social SVS DCSE Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



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

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 card

Chase Bank closed one of our business credit cards despite us making payments per the card agreement. This closure came without warning or notice.
Product: Student loan

I have had a student loan with ACS for years and I have always applied for a deferment or forbearance every year. I applied for one in XX/XX/XXXX because I am unemployed and receive government assistance I recently found out that the deferment/forbearance was not completed by ACS and that my loan has been in default since XX/XX/XXXX. I have called ACS several times for approximately 4 to 5 months trying to get help with this matter first I could n't verify what address they have on file and was told that they could not help me if I could n't verify it. I finally spoke to someone who told me that the last deferment was in XX/XX/XXXX I told her that was not correct that I called in XX/XX/XXXX to verify that they had got the paperwork was told that it was being processed. Evidently it was never processed. I was told to contact XXXX I have contacted them and was told by them that they have nothing to do with my loan being deferred that they get it once it is in default. ACS sent my student loan in saying that it was in default when it should not have been in default but in deferment/forbearance all of my loans thru XXXX have been and are currently in forbearance except for the one being serviced by ACS and I have completed a complaint via email several times and has also asked for a supervisor to contact me I submitted another complaint and request for management to contact me again today
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 60 days later, i still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. it is precisely stated in section 611 ( a ) that refusal to investigate these allegation within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and its feasible that it landed in the incorrect hands.
Product: Checking or savings account

I deposited my check for over XXXX and they claimed my check was real and closed my account and took my money I'm still trying to get my money back.
Product: Debt collection

END OF XX/XX/2022, PHOENIX FINANCIAL XXXX MY MEDICAL INFORMATION WITHOUT MY CONSENT THEY PUT A BAD MARK ON MY CREDIT REPORT
Product: Debt collection

Debt Recovery Solutions was supposed to have removed derogatory information from my credit reports. It has been 60 days since their letter stating such. It still remains on my credit reports. 
REFERENCE CFPB CASE NUMBER XXXX.