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

I am writing to file a formal complaint regarding the removal of fraudulent items from my credit report. Despite my repeated attempts and providing substantial evidence of fraudulent activity, these items continue to negatively impact my creditworthiness. I urgently request your immediate attention and resolution to this matter. 

Lack of Response : Despite my efforts, I have not received any response or resolution regarding the removal of the fraudulent items from my credit report. 

The continued presence of these fraudulent items severely impacts my ability to access credit, loans, or housing. It undermines my financial stability and poses a significant obstacle to my financial well-being. 

I demand that Credit Bureaus conducts a thorough investigation into this matter and promptly removes all fraudulent entries from my credit report. I expect a written response within 30 days, as required by the Fair Credit Reporting Act ( FCRA ), confirming the removal of these items and outlining the steps taken to prevent their recurrence. 

Enclosed with this letter, please find copies of all relevant documents, including : Police reports and identity theft affidavits Any other supporting documentation I urge Credit Bureaus to take immediate action to address this issue and restore the accuracy of my credit report. Failure to do so will result in further escalation of this matter, including potential legal action. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX equifax and XXXX has failed to provide any documentation from the investigation.After checking my credit report on XX/XX/year> I have found the three credit bureaus mentioned to be in violation of several of my rights. The XXXX  XXXX XXXX XXXX account is stated as opened on XXXX XXXXThe account is reporting aa a charge off collection with a balance of {$1200.00}. It also shows the highest balance as being {$1400.00}. This cant be true because I never made any payment towards any balance. Under 15 U.S.C. 1681i ( 7 ) Method of verification it was reported without valid evidence. I never received any product good or service from this company or account being reported. This company is unlawfully reporting information without my consent or knowledge.Someone must have faked my identity to create a relationship with this company. I also believe this company can not provide validation Of the debt being reported. This information is also not true, accurate or fair as it is reporting invalid email, address, phone number, and balance under 15 U.S CODE 1681e ( b ) and 15 U.S. CODE 1681i ( 5 ). It is the responsibility of the credit bureaus to make sure the information being reported 100 % true and accurate. This is not fair and is causing great stress and problems in my life.Equifax, XXXX, XXXX please stop violating my right to privacy and discontinue any involvement with XXXX  XXXX XXXX XXXX pertaining to my credit report and non public personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX ). Dispute reason : remove this account because the date of status or DOS didn't update, this irrefutable proof that no investigation was done in previous dispute 30days ago its a violation- delete immediately However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX   DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX  DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX  DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX  DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX  DOS was ( XX/XX/XXXX ), XXXX/XXXX XXXX XXXX was ( XX/XX/XXXX ), XXXX/XXXX XXXX XXXX was ( XX/XX/XXXX ) .After what is known as an investigation that was conducted and completed by the CRA , my dispute results from that investigation shows the DOS date didn't change/update.
Product: Credit reporting or other personal consumer reports

I was checking my credit and I saw collection account in my credit report that I don't recognize. I have been victim of identity theft and some one who has my personal information tried to open credit cards and so on. 
XXXX XXXX XXXX XX/XX/XXXX reported to my report collection account I called them I asked them to provide me a contract with my signature and they couldn't provide and I asked them to remove that collection from my account. they couldn't resolve my issue and I am submitting claim thru here. And some inquiries that I am not authorize that its shoes on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

And one more thing according to 15 USC 1681s-2A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check the attachment bellow
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I got a personal loan at elevate medical to assist me in medical issues that I was facing they help me get along through their company that they use for a certain price and a certain amount of treatments I did not receive all not even 20 % of the treatment that I was signed up for before they went out of business now they have released my information and the debt to a creditor saying that I owe a outrageous price for services that was not rendered I tried to speak with both entities the lending company and the doctor 's office that was treating me but due to I don't know what I have not got the problem resolved upon looking and my credit report the billing went from a {$5000.00} loan or XXXX XXXX almost {$8000.00} for services that I did not receive when I asked them to return the money back to the loan company that they receive for my treatment they specifically told me they will not and they can not do which I know was not true that's why I am contacting you
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

The following items that I'm disputing are as listed : Company Name : XXXX XXXX Date of Inquiry : XXXX Company Name XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Company Name XXXX XXXX XXXX Date of Inquiry XXXX XXXX Company Name XXXX XXXX XXXX Date of Inquiry XXXX XXXX Company Name XXXX XXXX XXXX Date of Inquiry : XXXX Company Name XXXX XXXX XXXX XXXX Date of Inquiry : XXXX Company Name : XXXX XXXX XXXX Date of Inquiry XXXX XXXX Company Name XXXX XXXX - Date of Inquiry : XXXX Company Name : XXXX - Date of Inquiry XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.
Product: Credit card or prepaid card

My husband XXXX a TN XXXX XXXX XXXX member ) passed away in XXXX. My widow benefits for XXXX XXXX were subsequently placed on a prepaid debit card rather than direct deposited into my bank account. This has since been corrected and my XXXX payment was received in my account but I have yet to receive the card for my XXXX payments. At the direction of the TCRS, I contacted the prepaid card XXXX on at least 5 occasions ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and each time I've been told a replacement card has been ordered and I should receive tracking information via email and the card within a few days. The card never arrives. When I call back we go through the same steps over and over again. I'm a XXXX XXXX XXXX widow on a fixed income and these funds ( $ 470+ ) would certainly help cover my bills. I'm at a loss as to why they are failing to send the card after promising to do so multiple times. I've contacted TCRS as well and they've advised me to work with the card administrator since they do not control this! Please help. I feel like I'm being taken advantage of during this difficult time and don't know where to turn. Thank you in advance. The company name/website is XXXX and the number I call is XXXX.
Product: Credit reporting or other personal consumer reports

From XXXX, I was a loyal Bank of America customer . While I never missed a statement balance payment and have excellent credit history, my attempts to close my Bank of America account were met with inconsistent customer service, verbal commitments that were left unfulfilled, and misunderstandings that have negatively impacted my credit score. 

At the end of XXXX, I decided to stop using my Bank of America Credit Card. At that time, Auto Payments were suspended. From XX/XX/XXXX thru XX/XX/XXXX, no activity took place. In XX/XX/XXXX, a vendor unexpectedly renewed a prior subscription, resulting in a charge/balance of {$96.00}. A statement balance payment was scheduled pursuant to account settings. 

In XXXX, I contacted Bank of America, requested the card be cancelled, and verbally authorized payment in full of the outstanding balance from my linked bank account. I was provided confirmation that this would take place by the end of XXXX, preserving my XXXX XXXX and closing the account. 

The balance history shows {$0.00} for XX/XX/XXXX, consistent with expectations. 
However, the card was not cancelled. 

In XXXX, the same vendor attempted to renew a subscription, this time for {$97.00}. I contacted Bank of America again to reconfirm the card had been cancelled, and was surprised to learn it had not. I again requested the balance be paid, card be cancelled and account closed. This was again confirmed. 

Yet to my surprise, a balance of {$1.00} remained in XX/XX/XXXX. It is unclear how this transpired, but appears to be a result of interest charges lagging prior confirmed payments. 

XXXX XXXX XXXX  today shows this account as closed XX/XX/XXXX, following XXXX months of late payments ( XXXX and XXXX day delinquency, respectively ) for amounts of {$96.00} and {$1.00}. 

As a former cardholder and loyal customer, who has consistently paid statement balances and loans in full, on time, for over XXXX years with otherwise excellent credit, I can not accept that my Credit Score until the year XXXX will be significantly impacted by XXXX and XXXX  day 'past due ' incidents when the Bank provided verbal confirmation that the account would be closed as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Equifax and Experian are reporting a XXXX XXXX account that shouldn't be on my credit report. XXXX XXXX is reporting the wrong information on the credit reports and so I reported the company to my state attorney general 's office to fix it but they've yet to respond. I keep calling Equifax to remove the account but they keep giving me a hard time and they keep hanging up on me or lying to me.
Product: Debt collection

I requested a copy of my credit report through TransUnion and discovered a debt collector entry for {$1900.00} claimed by XXXX XXXX which was subsequently purchased by XXXX XXXX XXXX. While I previously did business with XXXX XXXX, I ended my account with good standing. I do not recognize the account number or account date as being something I authorized and believe one of two things has occurred : My valid account with XXXX XXXX was not properly terminated as I instructed or a second account was opened under my name without my authorization. I disputed the account with TransUnion and, on XX/XX/2019, they replied that the account had been correctly verified and identified as mine. I requested that TransUnion, XXXX XXXX XXXX, or XXXX XXXX provide me with the signed contact supposedly in my name which supports the debt in the first place. I was told it was not available. I asked to get copies of the statements from the account and was told those were not available.
Product: Mortgage

We financed a new built home XXXX years ago with Bank of Texas XXXX id number XXXX out of XXXX Texas. The closing was a nightmare. We had gone to close XXXX different times. The closing cost increased and increased as we were told by the loan officer to sell XXXX ours cars and it would increase our credit score. We did this and it lowered our credit score by XXXX points which put us in a different bracket so we had to come up with more money. We ended up staying in a hotel for XXXX weeks with XXXX dogs costing over {$1500.00}. The loan officer said he would pay for all expenses for the hotel. He only gave us {$500.00}. So we were out the other {$1000.00}. XXXX years later I get a bill from Bank of Texas for XXXX stating that I owe them in back escrow that they have been collecting for. My husband and I are now going from a {$2600.00} payment per month to a {$3400.00} payment per month due to this so called " miss communication '' We are devastated about this large of a payment as I was let go from XXXX and was making XXXX per year. I am now working XXXX only making {$12.00} per hour.
Product: Credit card or prepaid card

I am unfortunately a victim of identity theft at Capital One Bank.
It seems as if some fraudulently opened credit cards were opened in my name.
I 'd like for them to be removed from Capital One 's system and also my credit reports
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00}
Product: Mortgage

I have mortgage with the company CMG Mortgage , Inc . I have made timely payments since inception on XX/XX/XXXX. I am enrolled for autopay and the due date for mortgage payments is the first day of every month. 

On XX/XX/XXXX I intended to make one regular scheduled payment of {$2000.00} along with an extra principal payment of {$700.00}. However, by accident using the online system, my payment got flagged as an extra principal payment too. As a result there were two payments of {$2000.00} and one payment of {$700.00}. I asked for the company to return the extra {$2000.00} payment but they said they would also have to return the {$700.00} principal payment. We agreed for the extra {$2000.00} to be applied towards the XX/XX/XXXX payment instead. 

Today, XX/XX/XXXX. My checking account got debited for an amount of {$2000.00}. This amount corresponds to the XXXX XXXX, XXXX payment as depicted on the online account management website. I called to request the payment automatically debited to be returned, since it isn't due for an entire month. The company said they would deliver the funs via check and it would take 20 days. I requested for a wire transfer or some other faster, return of the funds. The call center agent I spoke to declined and said they only used check to return any funds. This 20 day delay affects my cashflow since I was not expecting to make any payments for another month. 

It is unreasonable for the mortgage company to expect payments on time and charge late fees if not, and still take 20 days to deliver the return of funds that should not have been taken from me.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$1100.00}
Product: Debt collection

Hi, i woke up one morning, about a month ago, with a note on my XXXX XXXX   that on XXXX there was a Collection of {$940.00} from Williams & Alexander Association From a XXXX Division as original Creditor. I call the collector on XXXX, and they could not find me on their system. I gave my social and my address and they said they send a bill for more than 3 months to XXXX, NJ in some address that i never lived. I live in XXXX  for 3 years, and I was living in XXXX before where i had my house. I never received any letter from them and never had any collection issue on my credit. This is completely fraud and scan on my credit. I fill out already 4 disputes with XXXX ( XXXX, XXXX, XXXX and XXXX ) and my credit continues going down. Yesterday the collection took place on XXXX   and I fill out a dispute immediately as well ( XXXX ). I keep calling this collection agency and they keep saying that this does not belong to me, but they do not remove this derogatory mark from my credit. It's been a month like this fight and I'm getting nowhere. Please help me to clean my credit it went down almost 50 points. I really need help with this. This is insane how come a collection use my social to charge me something that does not belong to me without sending me any notification??? Please help!
Product: Debt collection

FOCUS FINANCIAL SERVICES amount {$1100.00} opened XX/XX/2022 I called this company they have not responded.
Product: Credit reporting or other personal consumer reports

Today is Monday, XX/XX/year>. I am writing to dispute certain information on my credit report. Despite my previous attempts to resolve this issue with the credit reporting agency, they have not addressed my request. I am requesting that you delete this inaccurate information within four days. The hard inquiries reporting on credit report are unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not provided me with any written documentation required under Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 9A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Unverified accounts : XXXX XX/XX/XXXXXXXX ( {$660.00} ) # XXXX, ( {$73.00} ) # XXXX, ( {$290.00} ) # XXXX, AND ( {$440.00} ) XXXX, XXXX XX/XX/XXXX ( {$5700.00} ) # XXXX, XXXX XXXX XXXX ( {$1300.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$190.00} ) # XXXX,XX/XX/XXXX XXXX ( {$0.00} ) # XXXX, XX/XX/XXXX ( {$3000.00} ) # XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX