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

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

Last year, I found 3 fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, XXXX, and Transunion, and they told me to submit FTC report which I did. I first submitted FTC report back in XXXX of XXXX, and until now, when I submit FTC report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of XXXX, until now, they never sent me any proof from creditors. My credit score is severely damaged, and some representatives told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
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. I told experian, XXXX y XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Mortgage

Mortgage company : Carrington Mortgage Service, llc Loan no : XXXX on XX/XX/XXXX requested a payoff statement. On XX/XX/XXXX paid the total amount to pay loan in full requested in the statement ( {$97000.00} ) via wire transfer ( documentation is available if needed. ) While waiting for the releasefof the lien, another monthly statement was received. immediately called CMS. they had no knowledge of the loan being paid off. Asked them to provide a fax number so I can send them all the document proving the payoff. Faxed 13 pages of documents and a personal written request for the release of the mortgage to all 3 fax numbers that they had provided us. 
on XX/XX/XXXX we received an escrow refund check for {$2200.00} From CMS, which usually means that the loan was cancelled, but still it was not release.

Meanwhile since the monthly payment was not made it became delinquent and late charge notices started to come in. They also reported the delinquency to the credit bureau and ruined my perfect credit score.

Called CMS, four more times. Each time they provided us ( myself and my authorized user ) with different fax, phone and mailing address to send them our documentations. They also escalated the " problems '' to their " managers '' and we were going to hear something from them by Monday XX/XX/XXXX. Nothing happened. 
Instead they invoked foreclosure based on " terms of " my " mortgage contract. '' I have done everything in my power to stop foreclosure and release the mortgage ; faxing documents, contacting CMS on numerous occasions, sending certified mails to all branches of CMS, including their California, Arizona and customer service offices, notifying HUD, by certified mail, of the problem ... but have not been able to cancel the loan. 
Since per Georgia 's law lenders are required to cancel a security deed within 60 days of full payment, how can I hold them reliable for failing to cancel the deed and is there anything that your bureau can help me with? 
I thank you in advance for a ) taking the time to read this complaint, and b ) for your assistance
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we must delete any erroneous accounts from my credit report. Could you review the documents? Some accounts listed have inaccuracies in their reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get old addresses removed and addresses that are complete errors on my report. The credit reporting agencies seem not to care in any way. I just want my credit report to be factual and correct. Two addresses I use are XXXX XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXXXXXX, CA XXXX ... .. 

XXXX XXXX XXXX XXXX  XXXX, CA XXXX
Product: Vehicle loan or lease

I opened 2 accounts with the same lender for 2 vehicles in XX/XX/XXXX toXX/XX/XXXX. I ended up in a divorce which put me into a situation of voluntary repossession for both vehicles.i gave back both vehicles and the loan company Exeter financial sold the vehicles for any loan value in XXXX into XXXX or so of XXXX. The remaining loan amount was than sold to various lenders which ended with XXXX XXXX back in XXXX some time and as of XX/XX/XXXX I had got in contact with them to make arrangements to settle the accounts and pay. I got my income taxes and paid both accounts as agreed by both myself and XXXX XXXX for the amounts offered as paid in full. I have 2 letters stating that the accounts are now settled and XXXX XXXX have now removed themselves from my credit but Exeter financial has not updated and or removed themselves from my credit seeing as they are paid as well if the lender got paid. I have tried calling Exeter back in XX/XX/XXXX and no one could speak to me from the department that handles the credit reporting of the accounts and I also left a message to get a response for the team and no one responded back. I have investigated 3 times on all bureaus and the XXXX credit bureau was the only bureau to remove them from the reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

NUMEROUS TIMES I HAVE REACHED OUT TO YOU AND ALSO TO EQUIFAX AND THE 2 CREDITOR ON MY CREDIT REPORT. BUT I GET NO RESULTS, SINCE EVERYONE SITTING IN THEIR NICE OFFICES ARE COMING TO SOME CONCLUSIONS. THIS ACCOUNTS WERE OPENED WITHOUT MY CONSENT, MY PERSONAL INFORMATION WAS STOLEN, MY EAIL, MY MAILBOX WHY IS IT SO HARD FOR YOU GUYS TO UNDERSTAND THIS, AND I HONESTLY BELIEVE THIS IS I AM NOT THE ONLY PERSON WHO HAS THIS ISSUE, I BELIEVE UNTIL THIS HAPPENS TO ONE OF YOU YOU WILL NOT UNDERSTAND HOW DIFFICULT IT IS TO PROOVE YOUR INNOCENCE. I HOPE THIS NEVER HAPPENS TO ANYONE BECAUSE NOT ONLY YOU HAVE TO DEAL WITH PEOPLE LIKE YOU WHO DOESN OT BELIEVE AND YOU HAVE TO CHANGE EVERYTHING WITH THE POST OFFICE FOR ME I HAD TO CLOSE MY BANK ACCOUNT AND GO TO COMPLETELY DIFFERENT BANKING INSTITUTION, I AM VICTIM OF AN IDENTITY THEFT, I NEED THESE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Chapter XXXX Bankruptcy Case Number : XXXX 2. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX Date of inquiry : XX/XX/XXXX 10. XXXX XXXX of inquiry : XX/XX/XXXX 11. XXXX Date of inquiry : XX/XX/XXXX 12. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. XXXX XXXX of inquiry : XX/XX/XXXX 14. XXXX XXXX of inquiry : XX/XX/XXXX 15. XXXX XXXX  Date of inquiry : XX/XX/XXXX 16. XXXX XXXX Date of inquiry : XX/XX/XXXX 17. XXXX XXXX of inquiry : XX/XX/XXXX 18. XXXX XXXX Date of inquiry : XX/XX/XXXX 19. XXXX Date of inquiry : XX/XX/XXXX 20. XXXX Date of inquiry : XX/XX/XXXX 21. XXXX XXXX F Date of inquiry : XX/XX/XXXX 22. XXXX XXXX  Date of inquiry : XX/XX/XXXX 23. XXXX XXXX Date of inquiry : XX/XX/XXXX 24. XXXX Date of inquiry : XX/XX/XXXX 25. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  XXXX XXXX : XXXX is lost/stolen, and theres {$1000.00} in fraudulent transactions on the account. The fraudulent transactions dont belong to me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

The name of the company is Credence Resource Manage ; I never did business with this company. They keep calling saying I have an account with them. I didn't get a letter or a phone call explaining about the debt before they hit my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received an email from venmo stating my account had been frozen for being in violator the user agreement. I was asked in the same email to upload my ID to reactivate my account. I did as asked. 

On XX/XX/2022 I received an email from venmo saying they received my Id. They then asked for bank statements and pictures of my debit cards I had linked to their system. I replied to the email asking for further explanation of what exactly I needed as I did have some confusion and concerns. 

On XX/XX/2022 I received an email reply from a venmo account representative named XXXX. He stated that my account had now been permanently deactivated and my remaining funds of {$530.00} would be held for 180 days and there may be a chance I wouldnt be able to collect them even after that. 

No explanation other than them saying I broke the user agreement was given. Even after sending an email back asking for further details I was told they couldnt offer me any details due to the nature of security issues. 

I do have consumers rights and I feel like they have violated them. They are illegally holding my money in my eyes.
Product: Debt collection

Today, XX/XX/year>, I received a letter in the mail from American Coradius International LLC stating that I owed a debt from a XXXX account. I called the number and spoke with a representative XXXX. They asked me for my current address and phone number. They also asked for my birthdate and social security number.
Product: Debt collection

This company Credit Management LP is trying to collect an debt and has put it on my credit report and I have disputed it several times. I also asked for a validation to verify they can legally collect this debt. They keep saying XXXX XXXX but I had an account with XXXX. I spoke with XXXX customer rep XXXX on XX/XX/2024 and he stated that they put a ticket in for it to be deleted because I have been in communication with them. I was also told once it was paid that I can start service over again with them. XXXX is a no contract telecommunication so I'm not sure how Credit management got my account or social to even put it on my credit report especially when I have identity theft in place. I do not owe credit management the debt at all. Never opened the account with them and haven't been provided any proof I owe them. They deleted it off my XXXX but its still showing on the XXXX and XXXX I would like it deleted and them to cease all communication and delete my phone number off their account.
Product: Credit reporting or other personal consumer reports

On my reports I have inquiries from XXXX XXXX XXXX I have no account with XXXX XXXX XXXX nor am I seeking one nor is the one open in my name I am asking to have this removed from all reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX , ( XXXX ) XXXX. This company since XX/XX/XXXX, has reported on my personal credit report. Since XX/XX/XXXX has reported a negative account stating I personal owe them {$780.00}, which since has been placed as a collection account. I have submitted numerous disputes providing them with documentation that this is indeed an coporation account for XXXX XXXX XXXX XXXX and not my personal account. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Virginia XXXX, had two accounts XXXX  and XXXX. They reported on my credit reports starting ( XXXX ) XX/XX/XXXX and ( XXXX ) XX/XX/XXXX. Since it also shows as a collections accounts for both on all 3 credit reports. I made an agreement with the collection agency XXXX XXXX to pay for deletion. I have both letters that I have submitted numerous times proving such agreement exists. I have since been denied over 5 times for such deletions. I still have the letters to prove this with and do not mind sharing to get this done as it should of been on XX/XX/XXXX as the letter states. 

I have since been denied a home loan due to the failure of these companies to submit accurate information and hold their promise on a contract we all agreed on. This is a direct violation of my rights under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX Equifax Account # : XXXX Account Type : Revolving I am writing to formally escalate my complaint against Equifax for their failure to resolve inaccurate information on my credit report within the XXXX timeframe mandated by the Fair Credit Reporting Act ( FCRA ). 

Background of the Issue : I submitted a dispute to Equifax regarding inaccurate information on my credit report. Specifically, I disputed a late payment entry that does not reflect my payment history. Under Section 1681 ( c ) of the FCRA, credit bureaus are required to maintain accurate and complete information. Additionally, Section 1681 ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

Despite these legal obligations, Equifax has failed to correct the inaccuracies on my report. Furthermore, there are discrepancies between the information reported by the three major credit bureaus ( Equifax, Experian, and TransUnion ), which further demonstrates the lack of accuracy in my credit reports.

Violation of FCRA Timeline : Equifax has exceeded the XXXX timeframe mandated by the FCRA to investigate and resolve my dispute. This delay is unacceptable and has caused significant harm to my creditworthiness and financial opportunities.

Request for Immediate Action : I am requesting that the CFPB take the following actions : Investigate Equifaxs failure to comply with the FCRAs accuracy and dispute resolution requirements. 

Ensure that Equifax corrects the inaccuracies on my credit report and removes any information that can not be verified as accurate. 

Require Equifax to provide a detailed explanation of the steps taken to resolve this issue and ensure compliance with the FCRA. 

Enclosed Documentation : To assist with your investigation, I am including updated information from all three credit bureaus ( Equifax, XXXX, and XXXX ) that highlights the discrepancies and inaccuracies in my credit reports. 

Legal Notice : If this matter is not resolved immediately, I reserve the right to pursue further legal remedies, including filing a lawsuit against Equifax for their violation of the FCRA and the harm caused to my creditworthiness. 

I trust that the CFPB will take appropriate action to ensure that my rights under the FCRA are upheld and that Equifax is held accountable for its failure to comply with federal law.
Product: Checking or savings account

This is a continuation of complaint number XXXX We received the check of {$25000.00} but it was made payable to me, XXXX XXXX instead of my grandson XXXX XXXX . My grandson and I had a joint account at Chase because he was a XXXX. When Chase closed our account my grandson turned XXXX and opened an account in his own name. I called Chase to let them know the check was made payable to the wrong XXXX. They said they would stop payment on check # XXXX and reissue it in XXXX 's name. Have not heard from them.
Product: Debt collection

I am writing to bring to your attention the matter of a debt validation letter sent to Hunter Warfield on XX/XX/2024 pursuant to the requirements set forth under 15 USC 1682 ( g ). Unfortunately, despite the passage of a considerable amount of time, I have yet to receive the requested documentation as mandated by law. On XX/XX/2024, I sent a debt validation letter to Hunter Warfield requesting that they validate the debt they reported on my credit report. I included all relevant details, such as the account number, the amount in question, alleged debtor/creditor names and addresses, dates of charge-off or delinquency, whether or not the debt was assigned to debt collector or purchased, if purchased the amount paid, and an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. According to the FDCPA, they are required to respond within 30 days of receiving the letter. This letter was intended to assert my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and to request the necessary documentation to validate the legitimacy and accuracy of the debt in question. As per 15 USC 1682 ( g ), a debt collector is obligated to provide the requested information within 30 days of receiving such a request. However, it has now been over 30 days since the date of the letter, and I have not received the proper documentation from Hunter Warfield. This failure to provide the requested information not only violates my rights as a consumer under federal law but also raises concerns about the validity and legitimacy of the debt they are attempting to collect. I believe it is important for the Consumer Financial Protection Bureau to be aware of this situation. The non-compliance of Hunter Warfield with the requirements of 15 USC 1682 ( g ) not only undermines the protections afforded to consumers but also indicates a potential violation of the Fair Debt Collection Practices Act.

Furthermore, I have not granted Hunter Warfield authorization to acquire my private, confidential, and sensitive data and submit it under my name to the consumer reporting agencies but it seems that my identity has been misappropriated and utilized in a hostile way by their company. For this reason, they have also violated the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act by sharing my non-public personal information with non-affiliated third parties without providing me with a notice that complies with 15 USC 6803 and also failing to give me the opportunity to opt-out as required by 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX PROBLEMS ... .FILLED OUT ONLINE FORMS TO REMOVE ITEMS FROM CREDIT REPORT FROM EXPERIAN . WHEN IT WAS SUBMITTED, THEY SAID CAN NOT SUBMIT AS IT WAS DONE ONCE BEFORE..THE XXXX IS KILLING POOR PEOPLE. ALL THREE REPORTING AGENCYS ARE CHANGING DATES BY PINGING OLD CLOSED CONTRACTS. IF YOU CAN NOT SUBMIT AN ITEM FOR CHANGE OR REMOVAL, THEY ARE IN CONTROL OF THE GOVERNMENT AS WELL AS THE BANKS. 

ALL THREE REPORTING AGENCYS WILL NOT VERIFY CREDIT ACCOUNTS WITH CREDITORS. THEY DO NOT HAVE THE DOCUMENTATION REQUIRED.