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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

this debt was fraudulently opened and I have try to get it deleted, I finally got it deleted from XXXX on XX/XX/2017 and it still showing on my other report like XXXX, XXXX, and the amount is XXXX. Please can you resolved this. I have always dispute with your company and things get done. I thank you in advanced. This is their address XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Tel # XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed a bankruptcy that is showing on my report I even verified it isnt mine with he courts but TransUnion continues to verify it as mine with no documentation to support that they did and investigation. also a random credit card from XXXX  that doesnt XXXXhave complete records and is somehow attached to the bankrupt. But nothing else
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XX/XX/XXXX RE : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 

RE : XXXX account # XXXX Dear CFPB : I spoke with XXXX XXXX from XXXX XXXX XXXX regarding my paid off old auto loan that is now disputed with Experian. I sent XXXX and Experian two disputes on XX/XX/XXXX regarding five late payments, they where never late XXXX did not credit the payments on time. They simply said they were accurate and I needed to provide then " additional supporting information ''. 

I had spoken with XXXX XXXX from Experian today XX/XX/XXXX and found the XXXX account not reporting the entire payment history beginning XXXX. There is four years of payment data history missing and I asked XXXX and Experian ( XXXX XXXX ) to include that payment history because it is not showing on my account. 

As per the Fair Credit Reporting Act information must be one hundred percent accurate and verifiable. Simply reporting the late payments and excluding the positive payment history is misleading and I am asking Experian to include all the payment history in the record.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of an account open by MoneyLion on XX/XX/XXXX ; that should no longer appear on my credit report. This account was opened in XX/XX/XXXX. The first missed payment occurred in XX/XX/XXXX, which is the date that establishes the start of the seven-year reporting period under the Fair Credit Reporting Act ( FCRA ). Although the account was closed on XX/XX/XXXX and subsequently paid in full, the negative record remains on my credit report. Since the first missed payment was in XX/XX/XXXX, more than seven years have now passed, and I request that this outdated information be removed from my credit report. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

i filled bankruptcy for my home and my car, he bankruptcy was dismissed because the lawyer didn't know that in XXXX  bankruptcy doesn't save properties that have sold at a foreclosure auction. the car i am financing is behind {$11000.00} it was recently repossessed. while being repossessed the tow company damaged the car by towing it improperly and causing serve drive train and powertrain issues. i paid to get he car back and its undrivable its been at the dealership for over three weeks. The tow company is threating to throw away my personal belonging in by XX/XX/year> if i don't pay {$100.00} whch is hard because i don't have transportation also I have to pay repair the car with being they denied responsibility and the claim for repair. Also the finance company knows the car is undrivable due to the damages cause by the tow company but they are still demanding payment or i risk these guy snatching my car and damaging it again. Also i am financing this at XXXX XXXX  XXXX which is extremely high. I just feel this is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went over my credit report and noticed inquiries that I never initiated or authorized. 

The following inquiries need to be REMOVED IMMEDIATELY " XXXX XXXX XXXX XXXX '' " XXXX  XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait.

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and XXXX TRANSUNION XXXX are in violation of this law because I am a victim of identity theft!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.
Product: Debt collection

Received a letter from Client Services XX/XX/XXXX concerning collection of a XXXX XXXX XXXX account. I responded with a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting the ensuing information about the alleged debt : name and address of original creditor, copy of the original signed contract , delegation of authority, and account / statement of payments including interest, and fees. To date I have not received this information, but I am receiving repeated call from this agency at home and work. My job does not permit me to take these calls at work and as such their calls are jeopardizing my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX Late Payment from XXXX  XXXX XXXXXXXX Late Payment from XXXX XXXX XXXX Late Payment from XXXX XXXX XXXX XXXX Bankruptcy I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Mortgage

I have financial hardship and was denied refinancing so was forced into forbearance had home repair I couldn't afford along with mortgage and other expenses and rocket Mortgage gave me what I thought was a sweet deal until after I signed paperwork in front of a notary then rocket Mortage decided to renig and now have raised my mortgage XXXX XXXX more a month which being XXXX will force me into foreclosure. When you take a loan payments shouldn't change and this isn't right to change after the affect
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX To Whom It May Concern : I am the XXXX XXXX XXXX XXXX for XXXX ( age XXXX ) and XXXX ( age XXXX ) XXXX and am writing on their behalf regarding a disturbing series of interactions with a company that is harassing them and claiming that they owe them a debt. 

The XXXX reside ( since XXXX ) at XXXX XXXX XXXX XXXX. 
Several weeks ago, a man came to XXXX XXXX and put some papers in her hand that she did not understand for XXXX XXXX. The person in these papers is not my client XXXX XXXX, who has not had any dealings with the vendor. 

This person threatened a frail and incapacitated XXXX XXXX and told her she has a duty to give this paper to XXXX XXXX. XXXX XXXX angst has been heightened by a letter sent to her home erroneously regarding XXXX XXXX. 

They are both elderly and frail and can not get around. They want the harassment to stop and asked me to write this on their behalf. 

Please help. 

for, XXXX and XXXX XXXX
Product: Debt collection

I have an open collections account on both XXXX and XXXX credit reports with PMAB in the amount of {$210.00}. 

In XX/XX/XXXX I called and made a {$50.00} dollar payment, requesting that the money be credited to the {$210.00} balance. The PMAB Representative told me I would receive are receipt for my payment via email. I never received my receipt. 

The account was reported again on XX/XX/2018 as {$210.00}, as if the payment had not been made.
Product: Debt collection

Comenity Capital Bank and BJs XXXX XXXX XXXX XXXX continue to report an account ( COMENITYCAPITAL/BJXX/XX/XXXX ) on my XX/XX/XXXX credit report that they have acknowledged is invalid. XX/XX/XXXX, XXXX XXXX, and XXXX have all removed this item from my consumer report.
Product: Mortgage

To Whom It May Concern I have a VA Mortgage with Freedom Mortgage Co. beginningXX/XX/XXXXXX/XX/XXXXand as ofXX/XX/XXXX, I was contacted by Freedom Mortgage that I was eligible for a IRRRL Loan and to contact them by Phone. ( Notice datedXX/XX/XXXX ). I called and spoke with a man named XXXX XXXX, a VP for Freedom. I  was told the new Mortgage would lower my payments and there would be no out of pocket cost and no added cost would be added to the original Mortgage.The new Mortgage went down from {$1300.00} to {$1200.00}. On XX/XX/XXXX, I received a statement that Freedom Mortgage had taken my escrow money for the sum of {$2100.00} and that the new projections show that I was in the hole for {$770.00}. See XX/XX/XXXXStatement. There was no mention at any time that Freedom Mortgage would take my escrow account and then raise my Mortgage Payments. My new Payment is {$1300.00}. I tried to contact XXXX XXXX but he will not answer his phone, and Freedom 's customer relations, or other departments offer no solution. I just found out about CFPB and hope you can help resolve this problem one way or the other. Sincerely
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit file following a recent data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have the following accounts and inquiries removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/XXXX - {$27000.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$22000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$4200.00} Inquiries to Be Removed : 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
Product: Debt collection

ARS ACCOUNT RESOLUTION # XXXX is violating my consumer rights by reporting negatively on my credit report. 

ARS ACCOUNT RESOLUTION # XXXX This is a direct violation of my consumer rights!! 

They are debt collectors not licensed in the state of Florida to collect debt, I've asked accounts to be removed by both EXXXX and ARS ACCOUNT RESOLUTION both have failed to removed the erroneous accounts from my report. 

This is my last and final warning before legal action is taken and LAWSUIT will be filed for violating my rights. 

I'll also be reporting them to the FDCPA as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$460.00}
Product: Debt collection

This company Credence Resource Management calls daily from different numbers. They have called after XXXX before & called on a Sunday. Today XX/XX/2021 at XXXX... they called XXXX times in XXXX minute. The number that called me XXXX times in XXXX minute was from XXXX.
Product: Debt collection

Ive asked the company for the form XXXX c form they filed taxes on and continue to be denied access to it for the debt they claim owed
Product: Debt collection

I have requested that they provide all original documents bearing my signature as sole owner of any debt or loan with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX 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 number XXXX 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 number XXXX 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 XXXX  Account number XXXX 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 XXXX  Account number XXXX 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 XXXX  Account number XXXX 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 XXXXXXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX 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 XXXXXXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 an account without my written instructions. These accounts were open fraudulently without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Lexis Nexis about a drop in my credit. I gave them my Drivers License Number and my Social to give me information on my account. Now I'm worried I've given my personal information out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report number : XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly remove/delete all of the information which can not be verified '' that i have disputed. Please resolve this manner as soon as possible. 

thank you
Product: Checking or savings account

I ordered 5 items from the XXXX XXXX XXXX on XX/XX/ 2019. I had not received the items even though the website said it would take 1 to 15 days inside the the United States to receive the order # XXXX. I emailed the company on XX/XX/2019 as I had not received the order yet at XXXX. I still have not received a response or the items. I paid just for the shipping of the items of {$35.00}. The items were advertised as free on the website if the shipping was paid for a limited time.
Product: Credit reporting or other personal consumer reports

Disputed this account several times, also sent in a police report, identity theft report and letters from the creditor stated this account was a result of fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was sold to XXXX XXXX XXXX which was deleted XX/XX/2023 they sold this debt but still the account XXXX XXXX XXXXXXXX is still reporting. 

Please see attached letters from creditors. 

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

See letters sent, There are accounts reporting many inaccuracies, and there are unauthorized inquiries
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXXXXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1600.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA the list of accounts pertaining below have violated my federal protected consumer rights ( privacy and confidentiality ) under 15 USVC1681. 

XXXX XXXX XXXX COLLECTION/CHARGEOFF Other {$3300.00} Account number XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Auto Loans {$3400.00} Account number XXXX Right to privacy 15 U.S.C 1681 SECTION 602 A Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 SECTION 504 SECT 2 15 U.S.C 1681C ( A ) ( 5 ) section STATES : NO CONSUMER REPORTING AGNECY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY F THE FOLLOWING OF INFORMATION any other adverse item of information, other than records of conviction of crimes which antedate the report more than seven year Lastly, 15 USC 1681S-2 ( a ) ( 1 ) s PERSON may not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

I put in a request to lower my interest rate on my house. I have been with this morgage company for years and they always say my credit scores want high enough, then i got my credit score at the amount the company ask, then the next step was had to much debts.