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

My Current credit report is all incorrect and causing lots of issues and harm to me. I had notice that my report had incorrect information consisting of inquiries, Name, address and credit score. I had called multiple times and emailed various times to remove and to properly investigate this subject matter. I verbally requested to investigate this issue on XX/XX/2023 and only a few inquiries were fixed. As a reporting bureau all information on file should always be investigated before reporting such information on a report. I would like to also state that your ads are misleading and unfair. The display of a " click button '' to boost your fico score immediately, is simply a false click bait that doesn't do as it states. I need all file fixed and corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. My information was exposed in the XXXX data breach and aslo a XXXX XXXX breach see supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Product: Debt collection

I received mutilply calls from a collection agency I answered and was told this is attempt to collect debt I advise I would no longer want to receive calls from this company contact me through mail only and I need a validation letter of debt sent to my current address I havent received the letter nor have the calls stopped the debt is still on my credit report negatively impacting me and slowing down my house search progress in such a hard time with my lease end date approaching and pandemic rising in my area I need this to be remove immediately! Thanks so much for your help
Product: Credit reporting or other personal consumer reports

I was checking my credit report and I saw an inquire I did not recognize XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

The following companies show an open balance and fraudulent phone numbers to contact on my reports from experian, XXXX, and XXXX. 

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

In regards to XXXX XXXX Account # XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

If you bare any contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act RENTDEBT AUTOMATED COL 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. 

Accounts : XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for an extension of credit with BANK OF AMERICA. On XX/XX/2022, I received an adverse action letter stating they were unable to approve my request. BANK OF AMERICA based its denial on economic loss and trends and third-party credit agencies. BANK OF AMERICA is in direct violation of 15 U.S Code 1602 ( f ), 15 U.S Code 1602 ( p ), and 15 U.S Code 1691 ( a ) ( 3 ). 

I sent a letter on XX/XX/2022, stating my concerns to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday, XX/XX/2021 RE : INCOMPLETE, MISLEADING & UNVERIFIABLE FOR XXXX XXXX # XXXX DEAR XXXX XXXX XXXXXXXX XXXX ; I was going through my motorcycle XXXX XXXX XXXX and noticed that there are multiple inaccuracies on the way this account is reporting. I been trying to get to the bottom of this for the last 3-5 months, but it continues to report wrong, incomplete, misleading, inaccurate information. How come each credit bureaus are reporting 3 different dates that I was late ; for example one is saying that I was late one month but the others saying that I was OK how? This is erroneousness and inaccurate, and incomplete data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 usc 8, i owe no debt. Equifax violated my consumer rights to privacy pursuant to 15 usc 1681b 2, Equifax also has no permission to report ANYTHING using my info pursuant to 15 usc 1681A. The accounts in question are XXXX XXXX XXXX XXXX ( LATE PAYMENT ). Me begin the consumer my rights have been violated and I want that late payment to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my info and all the unpaid debts are on my credit. 

From Midwest recovery. Not mine. Fraud
Product: Credit card or prepaid card

Wells Fargo opened a credit card in my name without my permission. I want all accounts closed.
Product: Credit reporting or other personal consumer reports

Hello, I am writting this letter to inform a fraudulent account that was opened under my good name. I have no idea what this company is. XXXX XXXX XXXX has added a account to my consumer report opened XXXX XXXX. I am not liable for. Please delete this account immediately is not mine.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was processed before the due date, as shown in the attached bank statement. This error in reporting must be corrected.

Clerical Error : There may have been a clerical error in how the payment was recorded. The payment confirmation from my records shows that the payment was made on time and should not have been reported as late.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have been disputing the negative mark on my credit report from XXXX XXXX and all three credit bureaus, The transmission went out in my car and I called XXXX to see if they would be able to fix the transmission and I was denied due to the warranty being over by 1 mile. XXXX knew they sold me a lemon to begin with and for them not be willing to fix the transmission and demand the car payments is not right at all. XXXX says the balance on the vehicle loan is {$13000.00} however to replace the transmission on my own would have cost me over {$4000.00} and I don't have that kind of money and is unable to keep up. I asked what else could be done since I could no longer drive the car since the transmission went out and I could no longer keep up with the payments due to financial hardship. XXXX said there was nothing they could do and allowed the car to sit outside of my house for 3 months on purpose so they can put it on my credit as a repossession and put a negative impact on my credit report. After going back and forth with XXXX I asked for my 1099-C to show the debt has been cancelled on their end and they wrote it off as income. When I finally received the 1099-C it does not have my correct address on it. I called XXXX to get answers they told me that I can put the 1099-C on my taxes however they did not mail me a new 1099-C with my correct address which would cause issues. XXXX told me I still owed the debt and the 1099-C form really doesn't mean anything anymore and it can not be used to remove the negative mark on my credit report and the 1099-C is only for my records. I have never lived at the address listed on the 1099-C. The date of identifiable event on the 1099-C is incorrect ; XXXX has XXXX as XX/XX/XXXX however they came and got the none working vehicle in XXXXXXXX XXXX XXXX XXXX is identifiable event code ( G ) meaning XXXX made the decision to discontinue collection to pursue payment. XXXX never changed the address on the 1099-C because I never received an updated one which causes a discrepancy with the credit bureaus when I submitted the 1099-C to XXXX, Equifax, and XXXX and filed disputes XXXX all three credit bureaus told me they spoke to XXXX and XXXX told them not to remove the negative mark and all the information on the 1099-C is accurate and that is not correct. I just checked my credit reports and all three credit bureaus have the XXXX negative mark to fall off XXXX of XXXX and it says Paid Off. Which means they came and got the vehicle in XXXX ; because XXXX will be 7 years and by law the credit bureaus have to remove it from my credit report. Also, since the credit bureaus have Paid off regarding this account it should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed incorrect information on credit report, incorrect balance, incorrect billing. Almost immediate response that information is correct, which it is not. Unable to get proper resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

XXXX XXXX XXXX # XXXX
Product: Debt collection

I have contacted this company multiple times. I have ask for all documentation pertaining to this particular vehicle. Which they have never produced. They are furnishing false an inaccurate information onto my consumer report.. This situation has calls me extreme stress. Loss of sleep. And made other creditors not want to do business with me because of this inaccurate account being on my consumer report
Product: Money transfer, virtual currency, or money service

I was contacted on my mobile phone under the XXXX XXXX  XXXX XXXX FRAUD stating fraudulent activity was occurring in my bank account. I was directed to then transfer my current balance to my email using the third party Zelle services so that it may preserve them from being compromised & a new debit card would be issued to me in 7 days. The funds never arrived back in my account even with the email attached nor was a new card ever ordered. I reported to my bank and they have filed a fraud claim and advised me to file here as well.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I XXXX XXXX I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.
Product: Credit reporting or other personal consumer reports

i sending a dispute to XXXX and transunion about reporting inaccurate information on my credit report because it is damaging my credit score and keeping me from getting a home to live in. requesting deletion of items from my credit report because i supossed to gotten a 1099- c for the charge off accounts and file them on my taxes as income. Income is a violation if its reported on my credit report.
Product: Credit reporting or other personal consumer reports

Dear [ ExperianXXXX ] XXXX I am writing to formally request the correction of personal information on my credit report. Despite multiple disputes filed with your bureau, I have yet to receive any meaningful action. Instead, I continue to receive stall letters without any resolution. Below, I have provided the correct and accurate personal information for your records : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Occupation : XXXX XXXX XXXX XXXX XXXX XXXX  Social Security Number : XXXX Date of Birth : XX/XX/year> Additionally, I do not wish to have my phone number included on my credit report. Please remove any phone numbers currently listed. 

I request that you remove all inaccurate and non-deliverable addresses from my credit report, as these are not reportable under the Fair Credit Reporting Act ( FCRA ). These addresses are not deliverable to me by the U.S. Postal Service and should not appear on my report.

Please find attached the letters I sent to each bureau as further documentation of my dispute. 

I trust you will address this matter promptly and in accordance with the FCRA. Thank you for your immediate attention to this issue. 

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

There are numerous accounts that are NOT related to any transactions done by me showing up on my report. This was a result of malpractice or an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am on PSLF and IDR. From XX/XX/XXXX until now I have been on COVID forebearance. I have not recertified my income since forebearance since I am not required to do so until XX/XX/XXXX. My last payment in XX/XX/XXXX was {$99.00}. Given that no interest has accrued and I have not recertified my income, my payment -- according to Federal Aid -- should be exactly the same, {$99.00}. However, MOHELA, my loan servicer, has it listed as {$170.00} starting in XXXX. I have messaged them and provided proof ( attached - bank statement showing XX/XX/XXXX payment amount ), and even filed a complaint with the ombudsman, but the payment has not been adjusted.