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

I would like to report the XXXX  XXXX XXXX account # XXXX reporting in my credit file. This account is under the name of " XXXX XXXX '' and DOES NOT BELONG ON MY CREDIT REPORT! MY COMPLETE NAME IS XXXX XXXX and not XXXX XXXX. I am not who this account should be reported under. I did not open this credit card. It is either, I am a victim of a MIXED-UP FILE ERROR either by the bureaus or by XXXX  XXXX XXXX itself or this is Fraud. In any way, this account does not belong to my credit file and would like to request to completely remove and be blocked from reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX- Account Number : XXXX Unauthorized inquiries : XXXX XXXXXXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with CCB/XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with CCBXXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Debt collection

XXXX. XXXX, XXXX has been reporting negatively on my credit report since XX/XX/XXXX. However, based upon information provided by the XXXX XXXX XXXX XXXX, I.C. System, Inc. was not licensed to practice in ( the state of my residence ) California until XX/XX/XXXX. Not only did I dispute the negative item in the amount of {$500.00} immediately in XX/XX/XXXX, ( to no avail ), this entity had no legal authority to furnish adverse information to the XXXX ( XXXX ) major credit reporting agencies at its initial reporting, because it was not legally licensed to do so at that time. Their illegal actions have resulted in a negative impact to my credit report. And they are currently reporting a 24 month past due history despite the fact that they were not legally authorized to do so, in addition to the fact that I have never had any financial/contractual relationship with them.
Product: Debt collection

I have tried several times to have them send me a contract I signed with the company for the dates of service ( from both companies i owe ). According to the fair credit reporting act section 609, they must do this! They keep telling me that they can not send me this and will only send me an itemized bill : how do I even know this was me? How do I know the original creditor didnt send it to my insurance for fraud??? 

When I asked why the amount owed for XXXX XXXX XXXX was {$140.00} more than what my credit report shows or the last bill I received from the company, they couldnt tell me an exact reason why.
Product: Mortgage

In XXXX of 2020 I refinanced my home with chase bank with a escrow. In XX/XX/2020 I got a bill from XXXX County Property Tax department saying I did not pay my 2nd tax bill for 2020. I called the bank and asked them why they did not pay my property tax. They looked at my account and said the money was there and they dont know why it wasnt paid and theyd look into but the deadline for the bill was in 5 days and they said it will be weeks before they look into the reason and pay it. They said we can pay it and they will reimburse me. Now Im having trouble getting them to reimburse me in full
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations ; not mine ; Numbers, addresses, and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily Account name XXXX XXXX, XXXX. 
Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Account name XXXX  XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. I am currently XXXX XXXX  please remove XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX I never work for these companies. 
XXXX XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX
Product: Vehicle loan or lease

Santander bank u.s.a bank used a settlement check I got from an insurance company to pay for damages and used it to pay off the remaining car loan. Its been a month since my car has been payed off and they still do not want to release my title or the money left over after paying off my loan. They closed my account which makes it very difficult to get in contact with them via phone. I chatted with a customer service person named XXXX and gave me false information. He said my title was sent electronically to my dmv because that was the law. I called my local dmv and they told me that the title is suppose to be sent to my address. They are sitting on car title and money that belongs to me and have no rush in giving me my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards ContacXXXX info Address XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX BELOW IS A LIST OF INACCURATE ADDRESSES ON MY CREDIT REPORT THAT MUST BE REMOVED ALSO DUE TO IDENTITY THEFT!!!!!! 

XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Specifically, I am disputing a reported late payment from XXXX XXXX, which is inaccurate as I was never late on this account. According to Experian, the alleged late payment occurred on XX/XX/year> ; however, this is entirely false, and I have consistently made all payments on time. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These issues mirror my own experience, where Experian has failed to address my dispute properly. Despite the evidence I provided showing that I was never late on my XXXX XXXX account, Experian has neither corrected nor removed the inaccurate information, causing ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove the reported late payment from XXXX XXXX or amend it to reflect accurate information. Experian 's inaction violates federal law and my rights as a consumer under the FCRA. This failure to act is unacceptable, and I expect a written response confirming the resolution of this issue within 30 days.
Product: Credit reporting or other personal consumer reports

Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : ALL DEPT OF XXXX XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 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 demand the collections be removed from my account immediately.
Product: Checking or savings account

Im filing this due to the fact I've tried several times to reach out to understand why I have paid over XXXX in fees ... One recently call the agent stated, '' The System don't lie '' and I felt like that was slap in my face. I love my institution but I feel as if they don't listen to the customer so therefore I'm reaching out top see if i can get any help concerning the fee issues. I also told the agent i wasn't fully aware of the policy concerning the fees but she failed to cover all of my concerns due to time ... I have banked with NFCU for a year now and I think over XXXX of fees is ridiculous. Help Me
Product: Debt collection

this company call my wife with XXXX frequent i never give them my wife cell number. she was very upset when the call her when she was with her XXXX at a work shop
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to DISCOVER BANK. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. 

They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed contain inaccuracies in terms of reporting, including inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX 

Account number - XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXXXXXX Account number - XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 ) ( 1 ) 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX TN ) Acct # XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Acct # XXXX .... XXXX  Acct # XXXX that is listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 credit bureaus. How can one account be opened on different days? I want these alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/2025 Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

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

Dear XXXX. 

I am writing to formally dispute a XXXX late payment mark that has been reported on my credit file for my Apple Card account for the month of XX/XX/year>. This mark is inaccurate and resulted from a technical error beyond my control, which I would like to explain in detail. 

I had set up autopay for my Apple Card to ensure all payments were made timely and without issue. However, I recently discovered that due to a technical issue on XXXX XXXX end, my autopay enrollment was unexpectedly XXXX without any prior notification to me. I only became aware of this issue after receiving a notice in my credit report. 

As a responsible borrower, I have always prioritized paying my obligations on time, and I had no reason to believe that my autopay settings were inactive. Once I discovered the issue, I immediately resolved it and ensured payment was made. I have since re-enabled autopay to prevent this from happening in the future. 

I kindly request that you review this matter and remove the inaccurate late payment mark from my credit report. 

This mark does not reflect my true creditworthiness or payment behavior, as the late payment was not due to negligence on my part. I respectfully ask for this error to be corrected at the earliest opportunity. 

Thank you for your time and attention to this matter. Should you require additional information, please do not hesitate to contact me at XXXX or XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice to Cease and Desist all reporting activities in regard to the above-titled account, which to date remains DEFICIENT in its demonstration of : A factually documented PHYSICALLY VERIFIABLE TRUTH CORRECTNESS COMPLETENESS TIMELINESS OWNERSHIP OF RESPONSIBILITY ( ies ) VALIDITY ELSEWISE, or The MANDATED

PERFECT AND COMPLETE COMPLIANCE OF REPORTING, including adherence to the required METRO 2 FORMAT REPORTING STANDARD ( s ). As your firm is well aware, I have LEGALLY exercised my rights by contesting through my lawful checks and challengespreviously and currentlythe CERTIFIABILITY of COMPLIANT REPORTING of claim ( s ) that remain : Not demonstrated FACTUALLY Lacking adequate verification of truth, accuracy, timeliness, or other requisites related to the undoubted validity of this reported
injurious claim and any supposed debt ( s ) that might be associated with it.

COMPLIANT REPORTING of ONLY FACTUALLY VERIFIABLE VALIDATED CLAIMS is the MINIMUM STANDARD OF REPORTINGNOT AN OPTIONAL ONE.

I DEMAND that you report FACTUALLY and COMPLIANTLY as required by both my STATE and all the applicable federal laws and standards of reporting.

I have made attempts in writing and by phone to ensure that the alleged COMPLIANCE OF REPORTING is, in fact, CERTIFIEDto undoubtedly confirm the accuracy of the information reported to or by your firm. 

During this process, the acts by omission by this furnisher prove substantially that : The claim ( XXXX ) and any related debt ( if any ) as reported is invalid, even if only due to deficiencies of reporting requisites. 
By ignoring my legal validation demand, the alleged data furnisher is in direct violation of the FDCPA, while your firm, as the responsible repository, violates the FCRA. 

Since the furnisher has knowingly violated both federal and state lawand I can document this violationI am demanding that you : CEASE all reporting activities immediately Stop reporting the debt in question to any and all credit reporting agencies, and Delete it from my credit report at once. 
Below is the list of questionable, if not altogether erroneous inquiries you are reporting, each of which : REQUIRES ERADICATION from reporting IMMEDIATELY and PERMANENTLY.