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

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. These late payments need to be removed because you are reporting me being 60 days late on XX/XX/XXXX but XXXX is reporting I paid on time. 
XXXX XXXX Account Number : XXXX Please submit onto ACDV Form and please remove late payments under section 1681s ( 2 ) ( b ) TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting

There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX/XXXX, XXXX/XXXX XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Experian several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?
Product: Credit card

For the second time in a year, I have a large charge on my Citi XXXX XXXX retail credit card which I did not make. This is regarding my former account ending in XXXX. It should be noted, Citi notified me this card program was ending and my account would be closed on XX/XX/2024. However, Citi charged me {$1100.00} on XX/XX/2024... I did not make or authorize this charge. It's unclear to me how it's possible a charge could be made to account I was informed was closed, but here we are. Since the account is closed, there is no way to dispute this charge through the website. I have sent several messages, but have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute incorrect information present on my credit file, specifically regarding an inaccurate addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX, XXXX, XXXX, XXXX ) associated with my credit history. I have taken all appropriate steps to address this matter directly with the relevant credit reporting agencies and the furnisher of the information, yet the error persists. 

I have attached supporting documentation clearly displays my accurate address, such as a copy of my driver 's license, utility bills, and bank statements. It is crucial that this error be rectified promptly, as an incorrect address on my credit file not only affects my creditworthiness but also poses potential risks to my personal and financial information. 

I kindly request that you initiate an investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). Please verify the accuracy of my address through reliable sources and update my credit file accordingly. Furthermore, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of maintaining accurate credit information and appreciate your efforts to resolve this matter promptly. I am committed to ensuring the accuracy and integrity of my credit history and will provide any additional information or documentation that may be required to facilitate the investigation process.
Product: Mortgage

hi my name is XXXX ( XXXX ) XXXX i had numerous problems with green tree morgage company even though i never was late even XXXX time with a payment. thank fully i was able to re fiannce and get away from that horrible company. still have XXXX last problem with them. they still have not reported my perfect payment history to the credit bureaus. which i believe they are supposed to do.. have not had them as a morgage compay since XXXX or XXXX of XXXX thank you for all and any help in this matter.
Product: Credit card or prepaid card

The company respond however I need there answers on their company letterhead XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Discover card account ending in XXXX ( Charged Off ) Consumer Financial Protection Bureau XXXX XXXX : XXXX Dear XXXX XXXX I, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB XXXX XXXX To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We appreciate you bringing the concerns regarding the repayment and settlement of your Discover Card account to our attention and regret to hear of the difficulties that you faced. Our records confirm, your account charged off due to nonpayment in the amount of {$3500.00} on XX/XX/XXXX. We understand that sometimes our customers may experience financial challenges and we welcome the opportunity to assist them. Although, we can not accept your offer of {$950.00} to settle the account at this time, there may be repayment options to help you. Please contact our Customer Assistance and Recovery department at ( XXXX ) XXXX, to discuss any option that may be available. Thank you for allowing me the opportunity to address your concerns. Should you have any further questions, please feel free to contact me, or a member of the XXXXecutive Offices at the telephone number below. I am available Monday Friday : XXXX a.m. XXXX p.m. XXXX. Sincerely, XXXX XXXX Executive Office of Customer Advocacy Due to the age of your account, Discover Bank is not able to file suit against you, but if you take specific action such as making a written promise to pay, the time for filing a suit will be reset. We would like to work with you to resolve your account balance. '' CC : Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts # XXXX # XXXX # XXXX # XXXX # XXXX, have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

i seen my credit report and equifax closed my account without my consent.i never ask them to closed it and it is against the law.i have letters of me disputing with them.It has affect my credit score that i can not attain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXXXXXX 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: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and. I have always made my payments on time. For some reason I realized that there was a lat with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.
Product: Credit card

Contacted Chase Bank ( Amazon ) numerous times regarding transactions dispute... told I need to contact merchant! Never mentioned I had so many days to file dispute. Called on XXXX requested to speak to Supervisor after rep stated I could not file a complaint until I know the check in date. Supervisor XXXX stated I had 180 days, to dispute the transaction, then state 118 days retracting with 60 days! I wrote the merchant and called to no avail. A credit of {$500.00} was issued ( which should have been my deposit ) XX/XX/XXXX {$470.00} dispute XX/XX/XXXX $ XXXX XX/XX/XXXX {$480.00} dispute XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$720.00} dispute XX/XX/XXXX {$120.00} dispute
Product: Debt collection

Notified to validate for 8 months with no response of valid debt from the bureaus or company. inaccurate information reporting on my credit report. collection account is not accurate or valid
Product: Checking or savings account

My account was being managed by a XXXX XXXX XXXX, the advisor took my account offline after an argument after he did not pay my credit card bill, making me be behind on credit cards even till now, as it was something always paid from my account, the advisor closed my account and moved my stocks to holding companies, making it very hard to assess money, as I have to have documents and receive checks in the mail, also depositing checks from my stocks has been placed on hold multiple times by Bank of America, when all my checks come from stocks I previously held in a financially advised account, I have now tried to open a XXXX edge account to be told, I had a restriction on my account, which the banker told me he would email compliance and would let me know in two days, that was XX/XX/XXXX, I have not heard from the bank nor compliance about opening a XXXX edge account
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a member of moneylion loan to rebuild credit. I've noticed that I've recieved late payments on my XXXX XXXX. Its wrong and i don't have late paymenta because its on automatic payments.
Product: Debt collection

On XX/XX/XXXX, my daughter told me to check the State Controller 's office website, sco.ca.gov because I had five new things saying I was owed money from from a company called LendUP, so I went to the website and checked and found. I find this totally illegal what they have done, using a GOVERNMENT WEBSITE in a ruse to get people to call them thinking they are owed money. I paid this loan off three years ago and owe them nothing so I ASSUMED that either they were a part of a lawsuit or I had overpaid - something but not the illegal tactic they used.

Business Contact Information : FLURISH INC. DBA  LENDUP CUSTOMER SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , CA XXXX ( XXXX ) XXXX XXXX Type of Property : REFUNDS DUE Cash Reported : Under {$100.00} Shares Reported : 0 Name of Security Reported : Date Reported : XX/XX/XXXX Date of Last Contact : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following inaccurate accounts from my credit report. 

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 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 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 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 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

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XX/XX/XXXX {$640.00} Credit Card collection/charge XXXX XXXX XXXX XX/XX/XXXX {$8600.00} XXXX XXXX inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX personal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent in a complaint to get someone else off my credit report. Transunion changed that and now they messed up my name! It was XXXX XXXX XXXX and now they changed it to XXXX XXXX XXXX, which is incorrect! Now I have to contact them again! If I have to contact them one more time after getting this fixed, Im going to report them!
Product: Debt collection

I received my credit file and saw ACCT # XXXX on my credit reports. I sent a letter an ask for VALIDATION and this debt was not VALIDATED it was VERIFIED. This is not what I asked for I would like this account to be DELETED off my credit file for all CREDIT BUREAUS it is reporting to.
Product: Credit reporting or other personal consumer reports

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. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

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

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

5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Delete this account.
Product: Consumer Loan

I have an account with Honda Financial that is not reporting correct to the credit bureaus. It was a lease I paid it off in full I was only late XXXX payments They reported multiple late pays and I have contacted them over and over to resolve. I have also tried to dispute it through the credit bureaus but it was not fixed.
Product: Debt collection

Hello PORTFOLIO RECOVERY is damaging my credit reports by publishing this ( attached ) accounts which statute of limitation passed. 

Our ( my family ) economic situation because of Covid-19 is dire. I need to clear my credit of negative accounts. 

PORTFOLIO RECOVERY has no lawful right on this debt because XXXX XXXX discharged this account with the IRS and now I awe taxes on the debt, on top of that the statute of limitation to collect the debt has already passed. 

They refused to remove this collections from my credit and I don't know what to do. 
They're operating un fraudulent processes and it's abusive to consumers. 

I hope you can help me remove this 2 collections from my credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes.Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear. CFPB My name is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It show incorrect inquiry on my credit reports. 
Please remove list on my credit reports ASAP. 


XXXX XXXX XXXX XXXX XXXX Auto Loan Inquiry Alert from : XXXX XX/XX/2023 XXXX XXXX XXXX Auto Loan Inquiry Alert from : XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX - Auto Loan Inquiry Alert from : XXXX XX/XX/2023 XXXX XXXX  XXXX - Auto Loan Inquiry Alert from : XXXX XX/XX/2023 XXXX XXXX XXXXXXXX - Auto Loan Inquiry Alert from : XXXX
Product: Credit card or prepaid card

I was scammed by a person posing as XXXX XXXX XXXX this person is posing as a XXXX XXXX of the united states XXXX to get their friendship to steal data from him personal information and then use payment movements and withdrawals from payments of purchases with my credit cards