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

I am writing to formally complain about the persistent issues I have encountered while attempting to dispute and correct the late open accounts and also the removal of late closed and charge off on my credit report. I have made numerous attempts to rectify these discrepancies, but unfortunately, the inaccuracies persist across different credit bureaus. 

Despite my repeated efforts to address these issues through the dispute process, I have not seen any significant improvement in the accuracy of my credit report. I believe that the continuous reporting of these inaccuracies is adversely affecting my credit score and financial standing.

I kindly request a thorough investigation into the discrepancies mentioned above and the immediate correction of the inaccuracies on my credit report. I have attached supporting documentation, including proof of timely payments, account closure, and any relevant correspondence with creditors. 

Furthermore, I request the removal of late closed accounts, and charge-offs that have been inaccurately reported on my credit file. It is imperative that my credit report accurately reflects my financial history and responsibility. 

I understand that credit reporting agencies play a crucial role in maintaining the integrity of individuals ' credit profiles. Therefore, I trust that you will handle this matter with the utmost urgency and diligence. 

Please provide me with a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and the updated version of my credit report. Additionally, I request that you inform me of any further steps I need to take to ensure the prompt resolution of this matter. I am asking for your assistance to correct these late open accounts and remove the late closed and charge off in my credit 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- I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

CFPB, I was told by XXXX XXXX that XXXXMy credit card account was closed. Both of these accounts should have the same credit report information. XXXX CLOSED ON XX/XX/XXXX, XXXX last reported on XX/XX/XXXX, XXXX EQUIFAX closed on XX/XX/XXXX, XXXX last reported on XX/XX/year>. These accounts should have the same information why is XXXX XXXX XXXX  still reporting to Equifax. I'm contacting my attorney about this matter.
Product: Credit reporting or other personal consumer reports

This is not my account, I have submitted a Identity Theft dispute with the Federal Trade Commission in regards to this matter and I would all information that is being reported on this account be immediately deleted. 
The account opened on XX/XX/2023 it is now closed but still showing a XXXXXXXX XXXX  balance. 
The Fair debt collection practices and fair credit reporting act states that the information reported on consumer must be accurate. The account opened XXXX XXXX  This is not my account, I would like all information being reported from this (  XXXX XXXX ) account be deleted immediately, and a written notice of this information being deleted or I will be forced to sue for damages and negligent enablement.
Product: Credit reporting, credit repair services, or other personal consumer reports

RentDebt is indicating on my credit report that I still have an outstanding balance. This balance was paid in full on XX/XX/2021 by XXXX XXXX XXXX XXXX for {$2800.00}. I have contacted Rent Debt on various occasions and they refuse to comply to remove this information from my credit report. Due to their actions, I have been unable to purchase a home for my family. Can you please help me?
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This trespassing charge is not supposed to be on my record after three years, of the legal residence I resided at and paid a fine and met compliance for. It also lists my birthdate incorrectly, in the court case, as XXXX, not XXXX, the correct date, and should have been thrown out, to begin with, of a charge for living in my own home that I would have inherited from my parents, had they not done this, and is still under dispute, since I was listed in my parents living will as a co power of attorney, and co-executive of the estate for my parent 's estate will, that I was not able to do, since they evicted me. My father XXXX XXXX 's original attorney of the estate will : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, and they also had a new living will drawn up, with their new attorney, in the same firm. 

Case Number : XXXX XXXX XXXX, Ohio I would like to make a statement for this report on what this case was about. The address that is reported in a trespassing charge for XXXX XXXX XXXX XXXX, XXXX, OH XXXX, was the legal address, of my parents, where I resided most of my life, including my daughter. 
After my father passed away, my brother and his wife wanted to take my mother to their home and foreclose my mothers house, where I was living. I was originally appointed in my parents will as an executor of estate with my brother, but my brother and his wife had my mother change this. I had been taking care of my mother, who asked me to stay. When they wanted to take her out of the home, I was charged with trespassing, though really my mother could have stayed in her home if she wanted to but did not want to argue with my brother. All of my possessions and family possessions were never returned since I did not have a lawyer, and I also did not want to start a lawsuit. I have never had a record before, and this was an unfair case with my birthdate incorrectly listed in the eviction notice supposedly written by my brother 's wife. Whoever sent it to court, had incorrect information, and my mother was not well enough to start a lawsuit, and they foreclosed her home, which she was paying a mortgage for, and her bills were not late. This was a false eviction, as I was not a tenant in my parent 's home, but a legal resident of my family 's estate where my parents wanted me and my daughter to live.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

Experian is stating that the bankruptcy on THEIR credit report is accurate and verifiable. However, no other credit reporting agency has this bankruptcy on my report because they were unable to verify it or prove that it was accurate. I have asked Experian for the information on how they are verifying this bankruptcy, one that no one else can seem to do. On the Experian website, it is posted in the section for submitting a dispute online, which clearly states that they use XXXX XXXX to verify personal records. XXXX XXXX has sent a document to me showing that they CAN NOT VERIFY the bankruptcy, and removed it from my credit report, just like the others did. So again, how is Experian verifying this? And why are they going against XXXX XXXX when they have told them that they are unable to verify the bankruptcy information? The information I get from Experian is that the " company '' is assuring them that this bankruptcy information is correct. However, the company listed is the courthouse. The courthouse has on its website clear as day that they DO NOT REPORT bankruptcies nor do they verify that information for anyone. A person must go through their portal, XXXX, to verify the information for themselves. So AGAIN, how are they verifying this information? XXXX XXXX clearly states in their letter to me that they used the XXXX portal and still came up with the bankruptcy being unverifiable. Please see attached letter for evidence of this.
Product: Credit reporting or other personal consumer reports

When consumer went to purchase vehicle XXXX XXXX  already had an account balance on credit. Account has Illinois address. Account information does not match current address, previous address, school address or parents home address. No information on the account matches my credentials. Company refused to correct issues stating its not their responsibility, company has ignored multiple disputes. Company continues to report inaccurate information while violating consumer rights. Company inaccurate reporting has altered all credit scores making them report inaccurately and making it impossible for any purchase of vehicle. Company has update information in regards to address and still refuses to run accurate dispute. Company has been contacted multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this company to correct my information and to this day they have failed. I can not access my report at all because Equifax has so much incorrect information that I can not provide answers to the questions, they ask about things that I have never heard of or been involved with, and because of this my credit score is ridiculous, I can't do anything. I have called them and been told that even though I give them my personal information since I can't verify the items that have been reported from so called creditors they can not verify who I am, and since I can't verify who I am I can't get the report so I can file fraud charges and dispute the information. What really upsets me is that providing them with my name, my social security number, address, phone number and date of birth 3 of which are not capable of being altered is not good enough to prove who I am. Being required to use my SSN for identification which is actually illegal, should be more than enough along with my name and DOB. Their entire process is a joke, now I have been told I must send in copies of all my information to prove who I am. Their system keeps asking me about a mortgage loan from XX/XX/2015 and I have not taken out a mortgage loan or been associated with a mortgage loan in over 15 years, I have NO credit or department store cards or accounts and I have had no student loans in the past 10 years. I should not be punished or held responsible for their company collecting wrong information. I use XXXX XXXX and according to the information they have from Equifax I only have 3 accounts on that report and they are all closed. So, where are all these questions coming from?
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/2023 as listed on my most recently reviewed consumer report, there are several fraud/ unauthorized accounts listed. I am hereby notifying you that on those dates or similar dates I've listed in the documents I've mailed, I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax consent to furnish this information. Have understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. XXXX, XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Against Portfolio Recovery Associates To Whom It May Concern, I am writing to lodge a formal complaint against Portfolio Recovery Associates regarding inaccurate information present on my credit report. After thorough review, I have discovered a debt collection entry from Portfolio Recovery that does not pertain to any financial obligation of mine.

It is evident that Portfolio Recovery Associates has violated the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e, which mandates compliance procedures to ensure the accuracy of consumer reports. This erroneous reporting has adversely impacted my credit standing, thereby necessitating immediate action.

Furthermore, it has come to my attention that Portfolio Recovery Associates may have procured my consumer report for resale purposes without fulfilling the requisite disclosure obligations outlined in 15 U.S. Code 1681b. This practice raises concerns regarding the integrity of their operations and underscores the urgency of this complaint. 

I am hereby requesting a thorough investigation into this matter to rectify the inaccuracies on my credit report and to ensure compliance with all relevant laws and regulations. It is imperative that Portfolio Recovery Associates be held accountable for their actions and that appropriate measures are taken to restore the integrity of my credit profile. 

Please acknowledge receipt of this complaint and provide updates regarding the investigation process. I appreciate your attention to this matter and trust that it will be handled with the utmost authenticity and diligence. 

Thank you for your prompt assistance. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$17000.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$190.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent the better part of the last two years trying to have fraudulent accounts removed from my reports. The time, stress, and financial damages they have caused me have beyond nauseating. These credit reporting companies have done nothing that would remotely be considered a legitimate investigation into these concerns. My next steps are to take these concerns to federal court.

15 U.S Code $ 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after date of receipt. It has been well over 30 days and you are VIOLATION of this law due to the very fact that I AM A VICTIM OF IDENTITY THEFT!!!! Please delete these items that are enclosed on my federal identity theft report. 
To be clear, these accounts should not be furnished on my consumer reports as they are in VIOLATION of 15 U.S Code $ 1681c-2 AND under 15 U.S Code 1681b Permissible purposes of consumer reports, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I XXXX XXXX NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a FEDERAL PROTECTED consumer. NO CONSENT IS IDENTITY THEFT. As a consumer im demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Hey I am filing a complaint against XXXX, XXXX, experian I have a item on my credit files stating bankruptcy dismissal XX/XX/year> I would like you to take a look at this item its inaccurate please investigate this.
Product: Credit reporting or other personal consumer reports

Its honestly exhausting seeing my credit score stuck where it is because of inaccurate accounts. These entries dont reflect my financial responsibility, and theyre holding me back.
Product: Credit card or prepaid card

Hi so I received a Bank of America EDD card about 2 years ago and I filed for identity fraud and filed a claim for {$8000.00} something hot dollars and another one for {$2000.00} something dollars and it's been 2 years now and it's still being investigated without any provisional credit or anything I believe something should have been done by now
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agency is required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in withdrawing the inaccurate pieces of information which were posted to my report. Here is the list of items that do not belong to me or were opened without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

i been with b of a for 40year i had problem with credit just like bofa they were bail out by government they have re cover i have recover too all ido at bofa is put money in and take it out i been turn down for a car load 8 times for a credit card all because i list a bofa card debt redution company 7 years ago they say i can not get credit until it drop off that sham- ful i am just a number and that no t fair 40 years mean nothing they did not lose a dine with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am including a letter of explanation as to the many credit irregularties on my file
Product: Mortgage

Escrow is higher than what should be collected. Representative XXXX XXXX XXXX XXXX said adjustment will be made in XX/XX/XXXX payment but it did to happen and XX/XX/XXXX is still also not adjusted. Last escrow statement was XX/XX/XXXX though it should be done quarterly. I attempted multiple times to contact company ( by phone and website msg ) but nobody picks up phone and leaving my name and number does not result in a callback. I requested in XX/XX/XXXX that I take over paying my insurance so my escrow balance should be refunded to me. No response all this time.
Product: Debt collection

Discover Bank issued a lawsuit through XXXX XXXX XXXX when I defaulted on a loan account. The promissory note signed between Discover and myself mandates an arbitration clause that reads If either you or we elect arbitration, neither you nor we shall have the right to litigate that claim in court. Discover is violating this binding promissory agreement by litigating when I have elected arbitration in this case. The attached promissory note also outlines that the arbitration provision survives termination of the loan and any legal proceedings by us to collect a debt owed by you.
Product: Mortgage

Subject : Dispute Regarding Incorrect Delinquency on Credit Report Dear Consumer Finance, I am writing to dispute an inaccurate delinquency reported on my credit report by PennyMac Loan Services , LLC . 

I was enrolled in a forbearance plan from XXXX to XX/XX/year>, and in XXXX, I was offered a loan modification, which was approved. However, despite this, my account was reported as delinquent ( late payment ) to the credit bureaus for XX/XX/year>. I was never informed that a delinquency would be reported for this period, and I believe this is an error. 

I kindly request your assistance in correcting this issue and updating my credit report accordingly. Resolving this matter will ensure the accuracy of my credit history and help maintain my credit score. Please let me know if any additional information is required from my end.

Thank you for your time and assistance. I look forward to your prompt response.

Note : Dates that I mentioned in the above are approximate. 

Sincerely, XXXX XXXX XXXX XXXX IBIS PL SSN : XXXX