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

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge off XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$4200.00} XXXX XXXX - XXXX - {$4700.00} Late Payment XXXX  - XXXX - {$1400.00} XXXX - XXXX - {$300.00} XXXX  - XXXX - {$19000.00} XXXX XXXX XXXX XXXX - {$270.00} XXXX  - XXXX - {$1400.00} Personal Information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates and addresses are inconsistent between the XXXX credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

I disputed my affirm purchase for Loan XXXX XXXXXXXX for a damaged item complaint. The dispute was ruled in the seller 's favor. I have since then filed a XXXX  insurance claim for the item I received. The claim was approved by XXXX  and they have sent the claim to XXXX XXXX XXXX. The seller is claiming to not have received anything from XXXX  even though I have proof from XXXX  about the claim & paperwork being sent. The seller now has my original payment and the insurance claim for the damaged item. I am requesting an immediate removal of this loan from my account or I will be going to small claims court to get my money rightfully refunded to me. 

I just called XXXX  and got word from them that not only did the seller receive the claim information but voided and refused the claim on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX XXXX XXXXlso known as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$38000.00}, which the account was opened XX/XX/2019. I have never paid 30-days late and when I contacted XXXX XXXX XXXX they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 3rd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Product: Debt collection

MONTEREY COLLECTIONS - This Company has been informed via the major credit reporting agencies that this is a debt not owed as it is absorbed in a chaper XXXX bankruptcy of 2015. The debt was obtained prior to the XX/XX/2015 bankruptcy which automatically includes it in the bankruptcy. 

It has also not been verified through the dispute processes of the cra 's.
Product: Debt collection

On XX/XX/2021, I received notification from my credit monitoring service of a new collection item added to my report by Eastern Account System. I performed a search to verify contact information reported, then originated a phone call to the collection agency to inquire about the item? The agent confirmed they are collecting account, I updated my address and ask them to send written validation about the debt as I am disputing it. On XX/XX/2021, I followed up with a written request via certified mail # XXXX. My certified letter was returned to me on XX/XX/2021. I still have not received any written communications about this debt. The collection account is currently reporting as closed with a full balance still owed, without validating the debt. Additionally, the agent did not provide me with the contact information of the original creditor.
Product: Checking or savings account

On XXXX I received two fraudulent charges of {$100.00} and {$70.00} from a vendor called XXXX XXXX XXXX from XXXX. 

I notified Wells fargo and the denied my claim.I had asked them to send me proof on what they used to base their decision. 

All they sent to me is a copy of the electronic transaction.They did no review any receipts or could even tell me what was purchased since I do not even know what was purchased. 

They stated since card can not be duplicated then it had to be me or someone with my permission that made the charges. 

I think it's very unfair for a bank to assumea consumer made charges with out any real proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my wallet stolen and subsequently noticed charges that I did not initiate on my XXXX XXXXXXXX credit card. I called XXXX XXXX to let them know of the fraudulent transactions and was told to file a police report and go to identitytheft.gov, which I did. ( See Attached ). I sent copies of the police report and the identity theft report from the FTC to XXXX XXXX but, they never removed any of the fraudulent charges. XXXX XXXX continued to demand payment from me on the fraudulent charges and I was struggling with a XXXX child so I was unable to make the payments and XXXX XXXX started reporting late payments on my credit reports and charging me late fees. After some research, I found out that the person who stole my identity was caught, jailed, and forced to pay XXXX XXXX over {$19000.00} in restitution for fraudulent charges. XXXX XXXX is trying to double dip and get payment from me for these fraudulent charges and the person who stole my identity as well.I submitted this information to the CFPB last year and all 3 credit bureaus removed the XXXX XXXX account but, a few months ago Experian started reporting the fraudulent XXXX  XXXX account again.
Product: Credit reporting or other personal consumer reports

My personal information was involved in a data breach. I have many spam calls and reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. 
I demand the accounts to be removed immediately. This is causing many difficulties in my life. 
*please remove all non account holding inquiries over XXXX days old *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

I have previously filed a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX. This complaint is against XXXX XXXX  and their reporting of 4 Fraudulent accounts being reported to the credit bureaus. I have provided all documentation I can provide to the best of my ability and after my complaint there was no resolution to the accounts being reported. 

I am a victim of Identity theft and I first contacted XXXX XXXX  regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX ( this individual was a family member who resided with me for a period of time ). They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX  and XXXX  have honored my claim but XXXX  has not. I contacted XXXX XXXX  again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by XXXX  to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to LVNV Funding LLC and all three credit bureaus are currently reporting this account as a collections account.

Please also keep in mind the 3 remaining accounts on XXXX  are reporting charged off every single month for the last year which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent jail and prison, violence and death from XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX  for a debt and fraudulent account thats not my account. Its extremely appalling, disturbing and frightening to be receiving phone calls of violence and death threats. I am in fear of my life. The accounts with XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX are fraudulent accounts and dont belong to me. XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX  is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

National Finance continues to report late and past due balances to the XXXX credit bureaus. National Finance was included in the bankruptcy, they were notified in XX/XX/2016. No reporting should have occurred beginning on XX/XX/2016 it violates the automatic stay.
Product: Mortgage

On XX/XX/XXXX. I signed my modification. The modification removed the co-borrower as we divorced. We also mutually agreed to remove his name from the property deed in XX/XX/XXXX. The divorce was finalized in XX/XX/XXXX and there was no property division included with the divorce decree because as I mentioned we mutually agreed to remove his name from the property deed one year prior to final decree. 

Bank of America contacted me on XX/XX/XXXX, and requested that myself and the co-borrower, sign a loan modification that was already made permanent in XX/XX/XXXX. I did not sign the documents as requested because they added the co-borrower back onto the documents. We were no longer married, he was no longer on the property deed and it had been two years after having received my permanent modification. 

Bank of America did not honor my loan from XXXX. They also did not timely record my loan modification and then attempted to have me sign documents that included my ex-spouse who I didn't even know where he lives or how to reach out to him. They subsequently transferred my mortgage to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has access to my personal information. There are inquiries on my personal credit report that I did not authorize. I want these inquiries removed immediately. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Thank You.
Product: Payday loan, title loan, personal loan, or advance loan

The company named AFFIRM is reporting a past due account in the amount of {$1400.00} that I never opened. They have admitted the phone number and email in their file does not match my information. 
It has been over 6 weeks since my initial contact with AFFIRM and still today no action has been taken. They stated once again " we will look into it ''.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 


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

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXXXXXX account : Please remove all of the inquiries as stated above, as they are listed below from XXXX report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a public record listed on my credit report that I disputed with Transunion since XX/XX/XXXX and to this day remains on my credit file and has negatively affected my chances of purchasing a home and obtaining credit. Transunion said that they VERIFIED the information with the court which is false as the courts DO NOT furnish information to the credit bureaus. The verification was never sent to the actual court or a real person from the court. So the fact that Transunion said it was VERIFIED is completely false.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a XXXX XXXX account that is displayed on my Transunion Credit Report. 
Account Name : XXXX XXXX Upon reviewing my credit report, I identified multiple inaccuracies in how this account is being reported. This account is paid, current and NO balance is owed. It is incorrectly reporting as a Collections Account Paid in Full, The comments remarks reference SETTLE LESS THEN FULL BALANCE ; PAID COLLECTION. 
Additionally the account status is being reported as derogatory, which is false and defamatory. This misrepresentation must be corrected immediately. 
I have included a copy of my identify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX both have failed to respond to disputes timely. I submitted written disputes for collections, late payments and inquiries. These items are inaccurately and incorrectly being reported. I want all errors to be corrected by immediate deletion and discharge.
Product: Debt collection

Collection company, Investment Retrievers Inc. did a hard credit report inquiry without my authorization.
Product: Money transfer, virtual currency, or money service

Dear Consumer Finance, This complaint is regarding Paypal, they have closed my account for no apparent wrongdoing or going against any of their policies, and they will not help me access it back, I assume it is a mistake or review that was not done appropriately, I have tried contacting and have had no answer nor any help regarding the account limitation, which I believe is unlawful, which where I thought you could help out the situation, I use Paypal for my business and has over XXXX XXXX withheld by Paypal, this will affect my life and well being as I can not afford to have over XXXX XXXX withheld fraudulently. The email linked to my Paypal is ; XXXX.
Product: Debt collection

A collection account appeared on my credit report by " collection resources Inc '' and significantly impacted my credit score while in the process of obtaining a mortgage. I called the company and it became clear that they never had my full address or phone number and I never received a collection notice. I paid the account in full and would like this account to be removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 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 [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Hard Inquiries on Credit Report Dear CFPB, I am writing to formally dispute several hard inquiries that have been reported on my credit report, as outlined under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( n ). I believe these inquiries were made without my consent and do not reflect my actual credit-seeking behavior. 

The following inquiries were reported : XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX XXXX - Reported XX/XX/XXXX XXXX  XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Reported XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX - Reported XX/XX/XXXX XXXXXXXX XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX Reported XX/XX/XXXX According to the Fair Credit Reporting Act, I have the right to request the removal of any inquiries that were not authorized by me. I did not authorize these inquiries, and therefore, I request that you investigate these matters and take appropriate action to remove them from my credit report. 

Please provide me with a written response to this dispute within the time frame required by law. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress.

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier.
This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX 's XXXX XXXX, XXXX XXXX, 1990, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,