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

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Late Payment Status on Self Financial Account Dear XXXX, I am writing to formally dispute an incorrect late payment status on my credit report. Upon reviewing my XXXX credit report, I noticed an error regarding the XXXX XXXX XXXX account. 

Account Information : Account Name : XXXX XXXX XXXX Account Type : Secured Loan Date Reported : XX/XX/XXXX Discrepancy : The report indicates a XXXX late payment status for the month of XX/XX/XXXX, with a past due amount of {$27.00}. 

My records show that I made timely payments, and there should be no late payment mark for this account. 

Requested Action : I kindly request that you investigate this matter and remove the inaccurate XXXX late payment status from my credit report. 

Please reinvestigate this matter as required under the Fair Credit Reporting Act ( FCRA ) and notify me of the resolution.Thank you for your prompt attention to this important issue. 

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

I am writing to bring to your attention an issue I have encountered with Experian, one of the major credit reporting agencies. As a consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute certain inquiries on my credit report. Unfortunately, Experian has failed to complete their investigation within the mandated 30-day period. 

The following inquiries are those that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I submitted a dispute letter to Experian requesting the removal of the aforementioned inquiries. 

According to the FCRA, Experian is obligated to investigate and respond within 30 days. However, this deadline has passed without resolution. 
Legal Basis : The FCRA grants consumers the right to access their credit reports and dispute any inaccurate or incomplete information. 
Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes an item on their credit report.

Section 611 ( a ) ( 7 ) of the FCRA specifies that if the investigation is not completed within 30 days, the disputed information must be removed.

" 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' ( Source : 15 U.S.C. 1681i )
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS CB/VICSCRT Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Equifax file ) XXXX XXXX XXXX ( XXXX file ) appeared on my credit report dated XX/XX/year>. 
I didn't authorize any inquiry about my credit. 
Contacted the General Manager at the dealership. They sent a letter on my behalf to Equifax and XXXX  requesting the deletion of the Hard Inquiry. I also sent a certified letter to Equifax and XXXX requesting the deletion of the Hard Inquiry.
Product: Credit reporting or other personal consumer reports

I am a XXXX veteran who unfortunately has had ID theft occur due a data breech with the XXXX XXXX XXXX XXXX XXXX. I have a fraudulent account with a credit card company called XXXX XXXX XXXX XXXX  that was opened on are around XXXX of XXXX. I have sent documents directly to TransUnion and they responded back sometime later claiming I was lying, and they refused to take any action or remove anything. As a XXXX veteran I can not always catch things right away especially when it comes to my credit. Both of the other credit agencies took care of this fraudulent account with no issues. I Will attach the supporting documents once more to this complaint showing this fraud account is not mine. I have also had several FRAUD inquires that need to be addressed Aswell. If TRANSUNION can not provide me with proof these inquiries were done by me then they need to be removed ASAP. Thank you XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 4.XXXX  XXXX XXXX Inquiry : XX/XX/XXXX 5.XXXX  XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

We went to XXXX stores over 5 times and were told the debt was paid and we were owed a refund I have recorded calls confirming, this debt is false and I demand it be removed from my credit.
Product: Mortgage

I am writing this email in pure frustration with Carrington Mortgage Services. Although from my previous experience it will probably do no good. 
I applied for a modification on the above referenced loan XXXX/XXXX/XXXX. I made my payment for XXXX on XXXX/XXXX/XXXX as I make my payment every month late on the last day of the month. To my dismay as of XXXX/XXXX/XXXX Carrington had not posted my payment so I called to find out why. I was told it was not posted because I had applied for a modification and they hold payments when your account is being reviewed for modification. I asked will this be reported to my credit bureau as 30 days past due and I was assured it would not. I was even asked by a representative named XXXX if I am not 30days past due why am I applying for a modification anyway. Well surprise, surprise Carrington did in fact report me as being 30 days past due for XXXX XXXX as I had feared they would. I was told to fax a copy of my credit report showing this to XXXX. I faxed this on the XXXX and XXXX of XXXX and I was told this process can take up to 30 days. 
Since I opened this loan in XXXX XXXX it has been nothing but XXXX. First I was told if I refinance with Carrington my mortgage payments would be reduced to $ XXXX/monthly. Then 3 months later they increased my payments to {$2300.00} stating they miscalculated my real estate taxes. So of course this has caused me continuous financial difficulty. Every month I struggle to pay this exorbitant mortgage payment and barely make it each month by the end of the month. Then in XXXX XXXX I made my payment through Carrington 's online payment system on Friday XXXX/XXXX/XXXX but dated it for the XXXX/XXXX/XXXX and they posted it XXXX XXXX which made my account 30 days late. I contested and begged for them to remove it but they refused. My credit is very important to me and sometime we go without a lot of things to make this mortgage payment every month. 
I enlisted the help of a realtor to attempt to sale the property but sadly it is not worth what I owe. Everytime I call Carrington Mortgage it is a terrible degrading experience. Your customer service representatives are terrible and your policies are not customer oriented. 
I absolutely hate Carrington Mortgage and everything they stand for. 
I would appreciate it greatly if Carrington would remove the 30 day late they have reported on my credit report for XXXX. 

Disgusted XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account through Midland funding was previously deleted through my XXXX credit report and experian is still showing that it is my account it was deleted due to being fraudulent and they keep updating this account it is not my account I do have proof where it was deleted off of my credit report through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX OPENED : XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX, XXXX. 
Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collections opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

TODAY : XX/XX/19 I RECEIVED A THREATENING PHONE CALL ABOUT A MEDICAL DEBT THAT OWE FROM A REPRESENTATIVE AT ELEVATE RECOVERIES. I HAD NO IDEA THAT THE DEBT WAS EVER OWED DUE TO THE FACT THAT I MEDICAL INSURANCE COVERAGE AND HAD NEVER BEEN CONTACTED ABOUT THE DEBT IN THE PAST. I ADVISE THE REPRESENTATIVE THAT ONCE SHE SENDS THE STATEMENT TO ME IN THE MAIL I CAN PROCEED TO LOOKING OVER MY FINANCES TO SEE IF THIS IS SOMETHING THAT I CAN AFFORD TO PAYOFF OR MAKE PAYMENTS ON. SHE BEGAN TO BADGE ME OFFERING SETTLEMENTS, ADVISING THAT THE ACCOUNT WOULD IMPACT MY CREDIT, AND JUST REFUSED TO ACCEPT THE FACT THAT I WAS NOT ABLE TO PAY ON THE ACCOUNT AND I HAVE NO KNOWLEDGE OF EVER OWING FOR THIS DEBT. I ASKED THAT SHE REMOVES MY ***CELL PHONE NUMBER*** FROM THEIR DATABASE, SHE PROCEEDED TO BEING VERY CONDESENDING, PRACTICING DECEPTIVE COLLECTING ON MY ACCOUNT, SPEAKING OVER ME AND TELLING ME THAT SHE WOULD CONTINUE CALLING ME ABOUT THIS ACCOUNT BECAUSE I OWE THE DEBT. SHE WAS RUDE, YELLING, AND KEPT REMINDING ME THAT I OWED THE DEBT AND BECAUSE I PROVIDED MY CELL PHONE SHE WOULD CONTINUE TO USE IT. WHEN I ASKED FOR A SUPERVISOR SHE SAID THAT NO ONE WAS AVAILABLE AND EVENTUALLY JUST HUNG UP ON ME. I CALLED BACK SPOKE WITH A SUPERVISOR AND HE TOO KEPT BADGERING ME ABOUT PAYING OFF THE DEBT. HE OPENLY ADMITTED THAT ELEVATE RECOVERIES **DOES NOT REPORT TO CREDIT BUREUAS** ; I ASKED IF YOU DO NOT REPORT TO CBR ; WHY ARE YOU ALL USING THAT AS A REBUTTAL TO SCARE P [ PEOPLE INTO PAYING THESE DEBTS? HE SAID THAT WE JUST HAVE TO MAKE CUSTOMERS AWARE. I TOLD THE SUPERVISOR, IF YOU ALL ARE NOT THE ONES TO DO ANY REPORTING THEN THREATENING ME TO PAY BECAUSE ITS IMPACTING MY CREDIT IS A DECEPTIVE COLLECTION PRACTICE.
Product: Credit reporting or other personal consumer reports

I think that under FCRA 605B, we need to eliminate any inaccurate accounts from my credit report. Can you check the documents? Some accounts listed have mistakes in the reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING : EQUIFAX : 1. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX  Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information. 
2. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX  XXXX Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information. 

XXXX : 1. The following personal information is incorrect Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX 4. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX  Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information. 
5. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX  XXXX Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information. 

XXXX : 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX 5. The following personal information is incorrect Employers : XXXX XXXX XXXX 6. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX  XXXX Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX ACCOUNT # XXXX BALANCE : {$360.00} XXXX XXXX XXXX  ACCOUNT # XXXX  BALANCE : {$11000.00} XXXX - ACCOUNT # XXXX  BALANCE : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : {$390.00} XXXX XXXX ACCOUNT # XXXX {$500.00} XXXX ACCOUNT # XXXX BALANCE : {$120.00} XXXX XXXX  ACCOUNT # XXXX BALANCE : {$230.00} XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : {$160.00} Inquiry - XXXX XXXX Inquiry - XXXX These accounts have resulted in several hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts, and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report that are being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

this collection Second Round, Limited Partnership reported incorrect accounts on my credit report causing finance hardship and harassment. I have tried to remove it and dispute the accounts by asking a copy showing my signature on the contract. yet they failed provide me with any document to prove they right to ask for payment.
Product: Mortgage

I have made payments on this loan in the amounts shown on the payment coupons and statements. Sierra Pacific has not applied the funds to the loan and are now charging me interest and penalties and are threatening foreclosure. They have done this in the past and I am always wondering how many innocent people they actually cheat and steal from. How can they still be in business. They have done this to me 2 times.
Product: Checking or savings account

Citi bank closed my checking account around XX/XX/2022. 
Upon enquiring, I was told by citi bank teller that they no longer had access, yet I would be getting a letter in 30-60 days, along with a check of remaining funds.
Product: Credit reporting or other personal consumer reports

Since the inception of the implied business transaction between myself and said company, they have violated various federal laws that protect consumer privacy and the laws governing securities. They have shared my transaction history without my consent with third parties in violation of 15 USC 6801 ( a ) and the Privacy Act of 1974, have practiced unfair and deceptive practices under 16 CFR 433.2 and 15 USC 1692e both which also include a violation of 18 USC 1341. I was not given ANY opportunity as a federally protected consumer in accordance with 15 USC 6802 ( b ) ( 1 ) ( B ). It is ILLEGAL to report transaction history. 
They were given a chance to rectify the matter by updating any and all transactions to paid as agreed and to compensate me for each violation. They have not responded to date. They are CRIMINALLY liable under 15 USC 1692e, 15 USC 1611, 15 USC 78ff, 18 USC 1341 and any and all other laws that govern securities fraud, and consumer privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuse to remove fraudulent accounts from profile even after I have disputed it several times and supplied a police report.
Product: Money transfers

On XXXX XXXX 2016 at XXXX i sent money to a XXXX to XXXX XXXX XXXX through western union money transfer. I did not receive notification that the money had been sent or received as is normal procedure.I inquired form the receiver if he had received the money he confirmed he had not after which i reverted to western union on phone number XXXX during which i was advised the money had not been collected and that i should advise the receiver to visit an agent to collect the money using the mtcn number. I informed the receiver according after he went to XXXX agents but could not collect the money because according to the agent there was no money available. After this i inquired from western union several time i was informed that the money had been collected the same day i had sent it which contradicted what i had been informed by the earlier western union agents. After this my complaint with western union have not been resolved and the whereabouts of the money has not is not known. This is why i am filing this complaint.