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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is clear case of fraud and should be deleted from my credit report. This company and credit bureau has failed to give me a fair honest investigation. They can not validate nor do they have any evidence that this is me. This is not right. This collection agency has reached out more than once and I have already told them that is a clear case of fraud and they can not even give me proof, evidence, or validate this. Please look into this as I am getting taken advantage of. I have plans that I need my credit for this year. I am a brand new father of a daughter. My credit means a lot to me and and means a lot to my daughter future. 


This is 100 % me XXXX XXXX XXXX. Please contact me at XXXX if you guys need to verify that this is me. I will send over nay documents you need in order to fix this BIG problem.
Product: Credit reporting or other personal consumer reports

For the past several months I have been attempting to access my free credit report, access ability to apply or find out if I have a freeze on my report, and try to find incorrect information. I have chatted with their support. I have called. I have sent hundreds of emails. I get the same responses, this is our department or call this number. I have submitted written requests for my reports and to have my access restored but they refuse to fix it or help me in any way. I am currently unable to obtained an credit as my Transunion report is not accessible.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccuracy Reporting of XXXX XXXX XXXX Account - Third Notice I am writing to address the ongoing inaccuracy in the reporting of the XXXX XXXX XXXX account on my credit report. Despite my previous attempts to rectify this matter, the account continues to be reported inaccurately. In response to my initial dispute, XXXX XXXX XXXX asserted that the account is reporting accurately. However, their response fails to address multiple violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802. Firstly, according to 15 USC 6802, a financial institution must provide consumers with a notice before disclosing nonpublic personal information to a nonaffiliated third party. Additionally, the consumer must be given the opportunity to opt out of such disclosures, along with an explanation of how to exercise that option. Also ( 15 usc 1681g states that all consumer reporting agencies upon request clearly and accurately disclose to consumer all information in consumer file at time of request ) .XXXX XXXXXXXX XXXX has failed to demonstrate compliance with these requirements. Furthermore, XXXX XXXX XXXX has not provided evidence of how they verified the accuracy of the account, nor have they presented the required three disclosure forms with my wet ink signature. As per FCRA regulations, failure to comply with these provisions warrants immediate removal of the disputed account from my credit report. Additionally, the account is erroneously reported as a charge-off. According to IRS Publication 4681, once an account has been charged off, it is no longer considered debt but rather gross income. Income should not be reported on a consumers credit report. Therefore, the reporting of this account as a charge-off is not only inaccurate but also misleading. I urge you to take swift action to investigate and rectify these violations of the FCRA. It is imperative that accurate and compliant reporting practices are upheld to ensure the integrity of consumers credit reports. I expect a prompt resolution to this matter and the immediate removal of the inaccurately reported XXXX XXXX XXXX account from my credit report. Thank you for your attention to this matter.
Product: Debt collection

After reviewing my credit report I noticed a collections from Midland Credit Management with the original debt from XXXX XXXX XXXX. This is not my debt. I am currently still with XXXX XXXX XXXX  and have excellent payment history with them. This collection is not mine and is fraudulent. My mail box has been broken into several times over the last five years. I have reached out to the collection agency several times and they still have not deleted this account. I want this account deleted ASAP off of all three of my credit reports because this is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : XXXX XXXX XXXX ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX Nordstrom/TD Bank USA ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THE FOLLOWING INQUIRIES AND HACE FROZEN MY CREDIT FILE ON ALL 3 BUREAS BECAUSE OF THEM. 

XXXX XXXX XXXX XXXX2022 XXXX XXXX 02/15/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted disputes to XXXX, XXXX and Transunion regarding inaccurate negative information in my credit reports.These companies chose to disregard the fact that I am not responsible for these negative assessments, despite the fact I included copies of my divorce decree from XX/XX/XXXX that specifies clearly my ex-husband alone is responsible. The negative information relates to XXXX XXXX bank, formerly known as XXXX XXXX XXXX ( XXXX XXXX XXXX  ) {$8000.00} and XXXX with a balance of {$20000.00}. Under the terms of the marriage dissolution, XXXX XXXX alone is responsible for the obligations. He has defaulted and this has negatively and unfairly been applied to my credit history. Furthermore, I have nothing to do with XXXX XXXX 's XXXX XXXX account, yet, this is also in my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information about XXXX  XXXX XXXX continues to appear on my credit report, however XXXX XXXX  XXXX have no information on me said account on their data base. I have tried to dispute it, but it continues to appear on the reports. The credit bureaus advise me to get in touch with XXXX  XXXX XXXX and XXXX  XXXX XXXX advise me to get in touch with them. I've been going in circles for months, to no avail.
Product: Credit reporting or other personal consumer reports

I have had a credit representative sending bi-monthly letters to challenge the veracity of the information that they have listed on my credit report. The most recent letters to me have come mid XXXX XXXX. My representative has been sending letters to Experian, XXXX and XXXX. Both Experian and XXXX have responded by both email and USPS mail stating We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. XXXXXXXX and Experian go on to talk about how I can dispute this on my own and that theyre misrepresenting my credit information and blah, blah, blah about the credit company acting unlawfully. My representative has been sending these challenge letters for MONTHS now to all three credit reporting agencies and has represented herself legally from the beginning. Interestingly XXXX has sent NO communication at all to me. By the way, these letters all contain a picture of my drivers license, social security card and a utilities invoice to prove my identity. I am tired of their stall letters and want them to investigate my report. And please contact XXXX about their complete and total silence. They too are not doing their job.
Product: Payday loan, title loan, or personal loan

I was solicitated from a company representing XXXX  who was fronting for a loan from wells fargo for a ppp loan. I was collecting unemployment insurance actually XXXX since i had XXXX XXXX. I was not told that you can't double dip ( collecting a ppp loan and pua ) so after research i decided i didn't want the loan and notified all parties in involved. They processed the loan without my permission and on XX/XX/2020 i waited online at XXXX for hours ( they were letting in one person at a time ) and wired transferred the entire amount plus {$30.00} for the wire fee back to them. see attached. to this day i'm still getting emails to apply for loan forgiveness. wells fargo not only doesn't acknowledge receipt they are screwing up my credit doing so. I have all parties no less than 15 times each without any success. My loan is still outstanding over a year later even though the money was wired and received. Please help. I've gotten nowhere
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I notice an AMEX account closed in XX/XX/2020 that is still showing up on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

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 ) ( a ) 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.
Product: Mortgage

Before the COVID-19 epidemic affected us all I was current on my mortgage and in good standing, but as most Americans I was affected negatively by COVID-19 and my source of income was severely affected. I began to fall behind on my creditors utilities and mortgage due to my loss of employment as a result of the COVID-19 epidemic I applied for assistance with my mortgage servicer Select Portfolio Servicing whom offered my a reduced payment plan during my hardship with a promise with further assistance once the assistance plan was over.. Now that the program has ended I have accumulated a large past due amount as a result of the reduction in payment during the COVID-19 assistance plan. I made an effort to send a large amount of XXXX in order to bring the balance down and apply for further assistance now that I have a new source of income through the employment that I have recently attained once the stay at home orders where lifted,, but my mortgage servicer has not been cooperative with me in helping me resolve my mortgage issue after several attempts along with sending in a large portion of the past due amount. Now I am facing foreclosure and legal action threats from my mortgage servicer Select Portfolio Servicing and I am in dire need of assistance to allow my family to keep our home now that we are trying to rebuild after this COVID-19 disaster.
Product: Mortgage

I have recast our mortgage by paying {$100000.00} toward the principal ; reducing the principal from roughly XXXX to XXXX. The mortgage service provider - AmeriHome Mortgage - received the wired money on XXXX XXXX. I am having two issues with AmeriHome : 1. They want to charge {$250.00} for the mortgage recast. Before we refinanced our loan in late 2019, I was looking to recast our mortgage for the same amount down ( {$100000.00} ) with XXXX - our loan service provider. They were only going to charge {$50.00}. Given that that AmeriHome 's charge is 5x as much as XXXX, I find the the {$250.00} charge a penalty for early payment toward my mortgage. This goes against the loan agreement that I signed when refinancing the loan, as this is a penalty, not a service fee. I am happy to pay {$50.00}, as that seems reasonable, but it is not my responsibility to cover AmeriHome 's poor administrative operations that may require a 5x charge versus their competitor. I have contacted AmeriHome several times by email regarding this issue, and they have not responded favorably.

2. We have been trying to set up regular payment from my wife 's bank account for the new loan amount. However, AmeriHome 's website is not allowing us to set up they payment for what is stated in the contract. In fact, they are insisting on-line that we pay the old payment amount, which is about {$500.00} more monthly that the recasted amount. We have a contract that we will be notarizing to send to AmeriHome, that specifically states the amount that we are trying to set up for automatic payment. Upon speaking to an agent for AmeriHome, they said that they should have the amount corrected by the end of the week, but that we would only have a week to get it set up - by XX/XX/XXXX. Why does it take them 3 weeks ( from receipt of the XXXX ) to enter proper coding, but they only give us 1 week to set up payment? It looks like they are trying to make us fail in the payment.

I am having a hard time with AmeriHome as a customer. XXXX was so much superior to AmeriHome, and I wish they were handling our mortgage. AmeriHome is not customer friendly, they are usurious and they are going against the contractual agreement that we signed with our refinancing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I was made aware via my credit report that there is a charged off account in the " installments accounts '' section of my credit report by the name of XXXX XXXX XXXX. This account does not belong to me and I did not permit anyone to utilize my personal information to open this account. I have reached out to the credit bureaus many times to dispute this and no proper or fair resolution.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
DEPTEDXXXX XXXXXXXX Balance Owed : {$2300.00} DEPTEDXXXX XXXX Balance Owed : {$3800.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$690.00}
Product: Credit reporting

I sent certified mail requesting that my account show proof that my medical insurance was billed by XXXX hospital for my visit on XX/XX/2015. Collection Consultants Collection Agency is billing me without having ever billed my medical insurance. I never received a response by mail from them in which I am entitled to. They ignored my certified mail and refused to show me proof that they billed my insurance prior to sending me to collections. My coinsurance would be {$75.00} ( real balance ) total and they are billing me an incorrect charge for over {$10000.00} plus {$1800.00}. I submitted all my documents showing my conversation with the billing office in which they stated they have my insurance and would bill them.
Product: Checking or savings account

A dispute was filed case # XXXX where my account on XXXX  was used by someone else. I did not authorize or make the transactions. Charles Schwab dispute department rejected the dispute claim stating that the merchant had sent valid communication that it was valid. Upon looking over this information, there was only user name, pw and log in information along with transactions. No geo location or information that I made these purchases were available. I spoke to the merchant and schwab to obtain more information but no other information was given. I did not make these purchases should I should not be held liable for any of them. The rep from schwab could not give me any information that showed I personally had made these charges except for " log in '' information the merchant gave.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that my credit score dropped 147 points. Equifax and XXXX are reporting accounts incorrectly. I have sent a letter along with a police report to both and they are still showing wrong information. 
Equifax is showing incorrect balance on my chase act ending in XXXX. 
Equifax is showing XXXX XXXX which is not my act and is being investigated as fraud and should have been closed. 

XXXX is showing XXXX XXXX closed with balance of {$4400.00} and this act is also not mine and being investigated as fraud. The act was closed in XX/XX/2018 and XXXX XXXX informed me that NO payments should be made on the act.
Product: Credit reporting or other personal consumer reports

I am disputing several inaccuracies and questionable entries on my credit report and requesting corrective action under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Here 's what happened : Incorrect Personal Information Two addresses listed on my credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXare incorrect. I am requesting their immediate deletion as they are not associated with me. 

Incorrect Reporting of Late Payments Several accounts are inaccurately reported with late payments, which violates the accurate reporting requirements of 15 U.S. Code 1681e ( b ). Specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am citing 15 U.S. Code 1681a ( 2 ) ( i ), which covers exclusions on transactions, and requesting these accounts be updated to reflect paid as agreed, never late. 
Debt Validation Issues For the XXXX account ( XXXX ), I am invoking 15 U.S. Code 1692g, which requires debt collectors to validate debts. I am requesting : Verification of the debt, including the original application or contract bearing my signature.

Evidence of the debt collectors authority to collect on this alleged debt.

Without this information, the account must be deleted immediately.

Unauthorized Credit Report Access I identified two instances of potentially unauthorized access to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) I am citing 15 U.S. Code 1681b ( a ) ( 2 ), which requires permissible purposes for accessing consumer reports. If no legitimate purpose can be demonstrated, I am requesting these inquiries or accounts be removed.

Legal and Financial Repercussions for Noncompliance I am reminding the credit reporting agency of their obligation under Section 611 ( a ) ( 1 ) ( A ) of the FCRA to investigate disputes within 30 days. I do not consent to automated verification methods such as e-Oscar. If these disputes are not resolved satisfactorily within the prescribed timeframe, I will pursue legal action for : Defamation Negligent Enablement of Identity Fraud Violations of the FCRA I am prepared to seek {$1000.00} per violation for noncompliance.

Summary of the Situation This letter outlines significant errors and unauthorized actions regarding my credit report. I am exercising my legal rights to dispute these inaccuracies and ensure compliance with federal laws governing credit reporting and debt collection. I expect a thorough and timely investigation, along with appropriate corrective actions, to resolve these issues.
Product: Checking or savings account

In XXXX of 2017 Bank of America closed all of my checking and savings account due to fraudulent activity. Someone contacted me in reference to a loan the person or company deposited several strange checks into my account by accessing my online banking I had no idea this was being done until the day after I checked my account and was able to see the images of the checks. When I seen that they had other people 's names that I did not recognize on them and written out for things such as Rent and bills I called Bank of America immediately to find out what was going on. They informed me that they were going to investigate and find out how to this happened and where it came from. they never did contact me but when I did contact them to find out how the  investigation was going they told me they were deciding to close my accounts I assumed it was for my protection being that this person had my banking information. Now this year I later find out the account was closed based on fraud on my behalf I'm guessing since it is in my report, when I was the victim. I would like something to be done about this because it is reporting to other agencies as if I have committed acts of fraud which I have never been a part of. Also I did have the feature to protect me from fraud attached to all of my accounts that I paid an additional fee for. This information should be reinvestigated and removed from my reports the information is false and defamation of my character.