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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX I have several unknown addresses and inaccurate fileinformation that needs to be updated properly. My current and only address isXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please delete all other unkwownaddressses they are not correct. My name is XXXX XXXX XXXX please delete ( XXXX XXXX ) it is not my name. According to 12 CFR Part1022 ( Regulation V ) requires furnishers to : Furnish information concerning accountsor other relationships with a consumer that has integrity. Furnish information aboutaccounts or other relationships with a consumer that is accurate. C - Conductreasonable investigations of consumer disputes According to XXXX, in order to makea lawful report, you must follow the Metro 2 compliance standards. Followingaddresses need to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  bankruptcy discharged Filed Date : XX/XX/XXXX Reference Number : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft, which has resulted in the unauthorized accounts being reported under my name. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts from my credit file : Unauthorized Accounts : 1. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not updated my credit report as they are still in violation. And they are making it difficult for me. According to this law, they are breaking every rule in the book 15 USC 1681 a ( 2 ) ( A ) ( ii ). They have no right to put me through this turmoil. So I as that you CFPB, make them follow the law as, they are breaking them right in front of you. It is illegal and the practices that they are doing to my consumer report is a violation of the law once again is 15 USC 1681 a ( 2 ) ( A ) ( ii ). Except as provided in paragraph ( 3 ), the term " consumer report does not include- ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or CONSUMER REPORT-MEANS ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. PERSON MEANS : the term person mean any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Therefore I am a person and a individual! And they have violated the law. THEY ARE NOT CREDIT WORITHNESS BECAUSE THEY ARE BREAKING THE LAW.

consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

person : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

I am a person/individual and they are still breaking the law!
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, XXXX : XXXX, Date of Birth 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 TransUnion credit reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate information consists of a personal credit card account with XXXX XXXX opened XX/XX/XXXX under the account number XXXX with the balance of {$1000.00}, a credit card account with XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX with balance of {$1500.00}, a credit card account with XXXX XXXX opened XX/XX/XXXX under the account number XXXX with a balance of {$100.00}, a car loan account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX with a balance of {$7700.00}. These accounts have resulted in several fraudulent hard inquiries and charge offs appearing on my consumer FICO credit report. I have attached a list of the charge off accounts in question as well as the consumer FICO credit report maintained by which shows aforementioned fraudulent items. I do not recognize aforementioned accounts, inquiries and charge offs as reported. The aforementioned accounts, charge offs on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and charge offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned accounts, charge offs and negative items are the result of identity theft and fraud.
Product: Debt collection

The attorney continues to lie in court in his attempts to obtain a favorable judgement for the debt. Moreover, I have no legal proof that this office is permitted by law outside of this summons to collect on the said debt. Such is my legal right under Fair Credit Reporting Act ( FCRA ) as well as the Fair Debt Collections Practices Act governed by the Federal Trade Commission. The plaintiff admits this much in the brief stating there has been no assignment of the debt. Therefore, my communications at this time should only be with the furnisher in accordance to FCRA. 

The attorney of record, XXXX XXXX makes the false statement repeatedly " that I have never objected the debt during the life of the account. Which is a deliberate lie. He is aware of this because not only have I made the same statement repeatedly while he was present in hearings, I have also stated this concern to their office in writing. Yet, XXXX XXXX continues to outright lie, under oath in briefings saying that I have never objected the account in any way during the life of the account. Which is simply untrue. Now, if I, under oath lied, I would be guilty of perjury and charged with contempt of court. Is XXXX XXXX, a lawyer who has taken not subject to the same oath I was sworn under in these court proceedings? Is he above reproach and the rules that govern the court because he is acting in his vocation to collect a debt? What about the oath he has taken with the Michigan XXXX XXXX to : maintain the respect due to courts of justice and judicial officers ; employ for the purpose of maintaining the causes confided to me such means only as are consistent with truth and honor, and will never seek to mislead the judge or jury by any artifice or false statement of fact or law ; in all other respects conduct myself personally and professionally in conformity with the high standards of conduct imposed upon members of the bar as conditions for the privilege to practice law in this State. 

He also continues to collect a debt in which he or his office doesn't have assignment over which violates FDCPA.
Product: Credit reporting or other personal consumer reports

I started a dispute last week due to incorrect information on my credit report. I was denied multiple loans so after research it was discovered my credit was merged with another person. I received emails telling me my dispute is complete. The email tells me to click a link to view results. This takes me to sign in. Sign in and it then says results are not available online. It gives me a phone number to call with available hours. I have been on the phone with them for hours at the given phone number, and no one has been able to help me. They keep sending me to different departments, over and over. Dispute department, merge department, and online. They all say they can't help. My life has been completely upended due to Experion.
Product: Credit reporting or other personal consumer reports

I was in the PSLF program under XXXX and met theXXXX payment requirement. When I met XXXX payment requirement MOHELA had taken over manager of the loans. I was in constant communication with the and provided them all appropriate paperwork. In XX/XX/XXXX I was advised that the loans were forgiven and subsequently recieved a letter dated XXXX XXXX showing a XXXX balance the Federal Student Loan site also showed a XXXX balance. These all dropped from my credit reports but as of XX/XX/XXXX the loans and balances have returned to my credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize, account names below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This account is not owned by me. However I assisted the account owner to open this account and the account owner has been paying the account without default since the account originally opened. The account information was previously reported in my credit report to the three credit beaures and it was deleted after I complained approximately two year ago. Now after two years the same account with different company name is reported as default or bad credit and damaging my credit reputation. As result my credit score has been damaged.
Product: Mortgage

I sold my home in XX/XX/2019 and the mortgage was paid off. I have yet to receive a refund for the additional amount in escrow. I have made phone calls, spoken to several managers, sent emails to the servicing company executives ( XXXX XXXX and others ). Initially, I was advised I needed to wait for 30-days to see if I receive the check. After the 30-day mark I called again and was told a stop-payment would be placed on the check and check reissued I should receive it 5-7 business days. I waited and no check after about 10-days I called again and the associate apologized and said they would escalate and expedite the replacement check I would receive it in 5-days. After a week I call back and they tell me no expedited check was issued but the replacement check was requested and it could take up to 30-days to have it reissued. I call back a week later to see if they could provide me with the details of the check that was sent so I could verify the check was en route. I was told they would request and have the escalation department. I explained I was a XXXX  and it needed to be after XXXX EST. Of course they ignore that request and call me in the middle of the day so I am unable to speak to them. I call back again that afternoon speak to a supervisor he tells me would have escalation note the account. This goes round and round week after week until a few weeks ago when I am told the check can't be sent because the original check was cashed. I asked by who and when and of course they don't have that information so it would need to be researched. I explain in my opinion I am not aware of any check being cashed and it may have been cashed fraudulanty but I have yet to recieve my escrow payment. This is long but just a summary of the cireles SLS has been putting me through over the last 4-months. I would like to request the help of the CFPB because every time I call I get a different story and a different excuse on why my escrow check hasn't been sent.
Product: Debt collection

I had two negative debits in 2016 while going though a divorce. I paid both with settlement offers. One debit for XXXX XXXX bank act # XXXX original amout owed {$3700.00} gave me a 1099 for the amount not paid in the settlement which was claimed on my taxes as income earned. I also had a XXXX XXXX debit act ending in # XXXX original amount owed {$2300.00} settled with a collection agency Professional Bureau of Collections of Maryland , Inc . 
Now a company called XXXX XXXX XXXX. XXXX shows both as negative on my credit. I have reached out to them with proof of payments either with the 1099 and with the letter from Professional Bureau of Collections of MD Inc with the settlement offer, cleared check and letter from them stating that the debit was settled per agreement and closed. 
XXXX XXXX responds that they will not remove these from my credit and they want to make payment arrangements with them. I would like these removed from my credit since I paid them in 2016 in agreements with other companies. I can submit proof.
Product: Credit reporting or other personal consumer reports

I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2023
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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX days ). Please let me know if you require anything else. Please remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/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 XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please comply with the law.
Product: Debt collection

I have sent a debt validation letter to the company and never received the information. Also they are reporting inaccurate information saying that the amount is past due. I collections account can not show as past due or open. For this reason I have asked repeat for this collections to be removed with no outcome
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to call me at work despite being asked not to contact me. XXXX XXXX   has reported inaccurate information to the credit bureaus. Specifically, XXXX XXXX  is reporting late payments. I had a special payment arrangement in place with a set amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 late payments showing on my credit report from Nelnet on two different loans. These loans were in forebarance and there was an issue with the forebarance continuance. The continuance of the forebarance was corrected ; Nelnet stated all late payments were to be removed. 2 years later and multiple disputes they will not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This incorrect information appeared on my account in XXXX. 
Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX - Company Sold-to SOLD TO ANOTHER LENDER
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the reporting of late payments on my credit report by XXXX XXXX XXXX. 

Account Details : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX The credit report indicates a XXXX late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. I previously disputed this with XXXX on XXXX, but they upheld the late payment reporting as accurate. However, I disagree with their findings. 

Under the CARES Act, passed on XX/XX/XXXX, and extended through XX/XX/XXXX, creditors were required to report accounts as current if payment accommodations were made due to the COVID-19 pandemic. During this period, I faced financial challenges caused by the pandemic and made efforts to communicate and seek accommodations. Therefore, the reported late payments are inconsistent with the protections provided by the CARES Act. 

Additionally, I have noticed inconsistencies in how this account is being reported across the credit bureaus. Not all credit bureaus are reporting the same late payment information for this account, which highlights further inaccuracies in the reporting. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which mandates that information reported to credit bureaus must be accurate and consistent.

This inaccurate reporting has negatively impacted my credit score and financial standing. I request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the CARES Act and the FCRA, and direct the credit bureau to remove or correct the late payment information.

I am requesting that these late payments be corrected and reported as on-time payments, consistent with the CARES Act 's protections.

I am also attaching supporting documentation to substantiate my claim, including the payment history for the account, information on the CARES Act 's expiration date, and evidence of the inconsistencies in reporting across bureaus. 

Thank you for your attention to this matter.