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

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  | Account # XXXX | Balance : {$330.00} In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  | Account # XXXX Balance : {$690.00} | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX | Account # XXXX | Balance : {$290.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX | Account # XXXX | Balance : {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  | Account # XXXX | Balance : {$340.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regard to my Wells Fargo mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XXXX through early XXXX. Wells Fargo, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX XXXX. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on Wells Fargo 's side ( I wasn't able to make online payments ). I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

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

I have another complaint against this XXXX XXXX XXXX XXXX  with you XXXX after they lied to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district manager told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!
Product: Checking or savings account

Money Lion has over XXXX XXXX of my money on hold. They said they would return it to the originator but never did. That money belongs to me and they need to return those funds. I need the governments help to get my money back. I can no longer contact them or access my account or funds. This happened sometime last year. I want them to send me a check for those remaining funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach or fraud, and I am requesting a thorough investigation into their legitimacy. Furthermore, I demand verifiable proof, including documentation bearing my signature or electronic signature, to validate these actions. 

This letter is being sent directly by me, not through a third party, and I ask that you carefully review the information provided. I did not authorize the actions reflected in my credit report, and their presence constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ].

Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
After contacting the companies involved, I confirmed that these actions were initiated without proper validation or original proof. The accounts and inquiries in question are factually inaccurate and unauthorized. These entries are the result of either a data breach or the improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and promptly remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address an ongoing issue with XXXX, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but XXXX has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as XXXX. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-1XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

there is some inaccurate information reporting. 
Address is not mine XXXX XXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed outdated and incorrect information on my consumer report recently. I was doing some financial " house cleaning '' and realized I had old addresses, misspelled middle names, incorrect last names, and incorrect placement of my names. I called the experian fraud department to dispute this along with some fraudulent inquiries and the representative on the phone did not allow me to have MY information updated. I was told that there would be an " investigation ''. But when it came back I was told that everything had been " verified '' as accurate and complete. Well that has to be impossible because ; 1, my information was used to verify " ME '' without " ME! '' ( identity theft ) and also, it has caused financial damages to my being able to afford opportunities to live in better areas and my personal character and credibility has suffered because of this inaccurate information.
Product: Debt collection

I received a notice from a collection agency ( Vengroff Williams ) and am contacting you because I do not owe this debt. This was settled with XXXX back in XX/XX/XXXX. I picked up the trailer in XXXX for a XXXX way trip to XXXX. When I went to turn the trailer in at the XXXX location, the place was closed. I then called the XXXX number and was told just to drop it off. They would take care of it on their next business day. XXXX charged my credit card and then refunded the amount after I called them explaining what happened. I called the collection agency when I received the first notice. Today ( XX/XX/XXXX ) I received a XXXX notice for VW. I did submit a dispute to XXXX today as well. Also, I do not have any paperwork from XXXX on this because it is from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The parish government refunded me for grass liens that was mistakenly charge to my 2020 tax bill. The tax bill was paid by my mortgage provider Navy Federal Credit Union from my escrow account. The check was issued by Navy Federal Union Credit Attorney XXXX XXXX XXXX. Since the grass liens payment was paid by XXXX XXXX XXXX the refund check was issued to XXXX XXXX XXXX. The local government gave the check to me, then I mailed the check to XXXX XXXX XXXX XXXX Navy Federal Credit Union 's instructions. Navy Federal Credit Union said XXXX XXXX XXXX would send the funds back to Navy Federal Credit Union. Then the funds would be credited to my escrow account. Well, the payment has yet to by credited to my escrow account, and when it does get credited the funds will be excess the legal amount to be held in my escrow account.
Product: Credit reporting

Equifax continues to report XXXX inaccurate late pay of my student loan account on my credit file. They are overlooking that it was not a late pay as my account was in forbearance with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. No payment was due therefore ensuring that my account was never late. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately or i will be forced to take Equifax to small claims for damages.
Product: Credit reporting or other personal consumer reports

In continuation of my prior communication regarding the disputed late payment entry recorded on my credit report, I am writing to underscore the urgency of reevaluating this matter and to emphasize the potential ramifications of non-action on your part. As previously articulated, the erroneous inclusion of a late payment entry erroneously attributed to my XXXX XXXX XXXX XXXX account for the month of [ XXXX2021 ] has significantly and detrimentally impacted my creditworthiness and financial status. 

Despite the gravity of this issue and the imperative necessity for its expeditious resolution, I have yet to receive confirmation of any measures taken to rectify the inaccurate entry on my credit report. This lack of responsiveness and apparent delay in addressing the matter falls short of acceptable standards and fails to acknowledge the urgency and severity of the current situation. I have independently confirmed with XXXX that they have updated the status of this entry to reflect it as paid as agreed. I possess the updated documentation from this investigation as evidence. 

Given the ongoing failure to resolve this dispute in a timely manner, I wish to reiterate my intention to terminate my account with the aforementioned creditor and explore alternative options offered by other creditors. It is abundantly clear that the present circumstances necessitate immediate action to mitigate the harm inflicted by the erroneous reporting on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SXXXX XXXXL XXXX XXXX XXXX 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 acount without my written instructions
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information.XXXX  XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX  XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Bank of America presented me with an online bill showing XX/XX/2016 as a due date and new balance. I went into their system and placed a payment on my account. They claim that the payment was made in the previous billing cycle. The only thing is their system said I was due for XX/XX/2016, so I as a consumer did exactly as any consumer would do- pay the bill. They then sent me another bill showing a missed payment for XXXX XXXX. Perplexed by the new statement and the status I proceeded to call to further investigate and found they showed me due but said me paying that day was considered prior to cycle. I asked how could that be if I am seeing the amount and due date and a request for payment? I consider this a deceptive practice since they had issued the bill and had no disclaimer advising me of when and how they would post my payment if I paid on that day. As a consumer I find this practice is unfair and deceptive.
Product: Credit reporting

I was involved in a divorce in which I 'm finding out that ex opened accts. under my SSN and my son 's. He also submitted tax returns under a false SSN. He lied about being fired from job to escape alimony. Now I ca n't get into my credit reports at all!
Product: Debt collection

This company has reported inaccurately across the three bureaus as a student loan, an account that was under a bankruptcy and the amounts have been changed several times all inaccurate and falsely being reported ( which is illegal )
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 Trans Union 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. The accounts are XXXX opened XX/XX/XXXX Amount : XXXX, XXXXXXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and haven't received any type of feedback back
Product: Credit reporting or other personal consumer reports

The original creditor is reporting a balance due on this account even after selling or charge off the debt. This reporting is inaccurate and misleading, as the debt has been transferred or charged off. There are 4 closed accounts that are showing on my credit report with Equifax. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese 4 closed accounts, that are charge off accounts are showing a balance and a past due balance. 15 U.S.C 1681e ( Accuracy and Completeness ) : The credit reporting agency ( CRA ) must maintain reason procedures to ensure the maximum possible accuracy of the information in my credit report. The reporting of a balance due by ( original creditor name ) on a debt that has been sold is inaccurate and should be removed. 
15 U.S.C. 1681s-2 ( Duties of Furnish of information ) : The original creditor ( Name ), is responsible for providing accurate and complete information to the CRAs. Reporting a balance due on debt that has been charged off or sold violates this requirement.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Inaccurate Bankruptcy Information This is now the fourth time I am writing to dispute the inaccurate and incomplete bankruptcy information reported on my credit report. Despite my previous requests, this matter remains unresolved. The repeated lack of response and corrective action not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but has also caused unnecessary stress and potential harm to my financial reputation. 
Details of the Inaccuracy The bankruptcy information reported on my credit file contains multiple inaccuracies and inconsistencies across bureaus, as outlined below : Type : XXXX  XXXX Bankruptcy Status : Discharged Filing Dates : o Experian : XX/XX/year> o XXXX : XX/XX/year> Closing Date : o Experian : XX/XX/year> o XXXX : Missing Court Information : o Experian : US BKPT CT NY XXXX XXXX XXXX : Federal Remarks Section : o Missing or incomplete across multiple bureaus. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies in filing dates, closing dates, and court details clearly violate this requirement. 
2. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus are legally obligated to investigate disputes and correct inaccuracies within 30 days. Failure to do so constitutes a breach of consumer rights under federal law. 
3. FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Information furnishers are prohibited from knowingly reporting inaccurate or incomplete information. 
4. FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ) : Bankruptcies must be reported accurately and can not contain incomplete or outdated information. 
Repeated Dispute Attempts I have submitted multiple written requests to resolve this matter, yet the inaccuracies persist. Your lack of corrective action reflects noncompliance with the FCRA and demonstrates a disregard for my rights as a consumer. 
This failure to act has caused undue stress and financial harm, as inaccurate bankruptcy information damages my ability to obtain credit and move forward financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a reported a fraudulant account on my credit report several times to Transunion I was told I needed a police report in order to prove identity theft and request any removals, which I have done. I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Transunion stated it was verified, but with no proof of verification and stated they are not required to provide proof. I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt have  one  on file, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with these items being reported and they are fraudulant accounts, I am expecting it will be removed immediatley. Fraudulant Items being reported incorrectly by Transunion :  XXXX  Acct #  XXXX    XXXX   XXXX   XXXX   Account :  XXXX   XXXX   XXXX   XXXX   XXXX