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

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XXXX XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4800.00} XXXX XXXX account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$360.00} XXXX Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. 

Account : XXXX XXXX XXXX  Account Number : XXXX XXXX was already removed from my XXXX report because they failed to provide proof of this account being mine, but TransUnion and XXXX are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. 

They also violated 15 USC 1681 i ( 5 ) Can you look into this?
Product: Debt collection

I hope this letter finds you well. I am writing to formally request the removal of late payments from my accounts. I understand the importance of accurate credit reporting and am reaching out to seek your assistance in rectifying the information associated with my account. I understand that your policies and procedures must be followed, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required. XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX - XXXX XXXX  customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this complaint to inform your department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5800.00} This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Credit Management XXXX : I disputed an amount of {$670.00}, this account was not accurate. I would like this removed from my report. 

Credit Management LP account # XXXX : please have removed from credit report XXXX account # XXXX Late payment was added to credit report which was incorrect and I've been on time with all payments. Please remove from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX : Account number : XXXX Account Name : XXXX XXXX  Account number : XXXX Account Name : XXXX XXXX Account number XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 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 ) ( 1 ) 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

Freedom mortgage has misplaced approximately {$4000.00} of my escrow account that was refinanced in my mortgage loan. now they want me to replace it b y increasing my escrow from approx. $ XXXX. to $ XXXX. I have called them over 15 times and emailed the same amount of times. I have all documents to show and prove this. They say they will foreclose if I do not pay the {$4000.00}. Even though it was finance into my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting a fraudulent inquiry on my credit report from Macys/cbna. Inquiry date XX/XX/2023 I am requested this inquiry be removed from my credit file because it is a fraudulent inquiry not made by me. I have already filed a dispute with XXXX as well as contacted Macys but they said there was nothing in their system.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Consumer Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/year> Complaint Overview : I am submitting this complaint due to inaccurate and misleading information being reported on my credit report by XXXX XXXX XXXX XXXX TransUnion XXXX Despite multiple attempts to resolve this issue directly with the credit bureau, the inaccuracies remain, and I am seeking the Consumer Financial Protection Bureaus assistance in investigating and correcting these errors. 
Account : XXXX XXXX XXXX # XXXX Key Issues : Late Payments Misreported as Income : Several late payments on my open accounts have been incorrectly reported as income on my credit report. According to 26 U.S.C. 61 ( a ), income refers to gains or profits such as wages, dividends, or other sources. Late payments are not taxable income, and therefore reporting them as such is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors and credit bureaus are required to report information accurately. The classification of late payments as income violates federal law.

Closed Accounts Incorrectly Reported as Charged-Off : Certain closed accounts are being inaccurately reported as charged-off, despite having been resolved. These accounts should be updated to reflect a status of paid as agreed.

Under 28 U.S.C. 3201 ( e ) and 31 C.F.R. 285.12, debts classified as Certificates of Indebtedness should not continue to be reported negatively once resolved. The current reporting is not in compliance with these statutes. 
Specific Actions Requested : Immediate removal of late payments that are incorrectly classified as income from my credit report, while keeping the open accounts active and positive. 
Update of closed accounts currently reported as charged-off to reflect " paid as agreed '' with a positive status, as required by federal law. 
Attempts to Resolve the Issue : I have previously contacted XXXX, Transunion, and XXXX to dispute these items and requested verification of the information as per the Fair Credit Reporting Act. However, the credit bureau has failed to correct these inaccuracies or provide adequate verification of the information in question. I am now seeking the CFPB 's assistance in holding the credit bureau accountable and ensuring that they follow federal guidelines. 

Relevant Laws Cited in My Dispute : 26 U.S.C. 61 ( a ) Income does not include late payments or delinquent debts.

15 U.S.C. 1681s-2 ( a ) Furnishers of credit information must ensure the accuracy of reported data.

28 U.S.C. 3201 ( e ) Guidelines for debts classified as Certificates of Indebtedness.

31 C.F.R. 285.12 Restrictions on how settled government debts should be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I was recently looking at my students to get an idea how much I owe so I can setup an payment plan to get my credit back in order. I notice there was a college called XXXX XXXX listed on my credit score listed for {$10000.00} and the loan was taking out I believe XXXX  or XXXX. I know for sure I didnt attend XXXX XXXX , now Im in the process of filing a identify thief because I never taken a loan out at XXXX XXXX. I dispute with Experian and it state that they information was certified that the information is correct but again I know for sure information isnt correct. Now the other three college listed on my credit are correct and I did attend to those school but XXXX XXXX I never attend that school at all.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : Company Name : XXXXXX/XX/XXXXXXXX - Account # : XXXX - Past Due Amount : {$0.00} Company Name : XX/XX/XXXXXXXX - Account # : XXXX - Past Due Amount : {$0.00} Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.
Product: Credit reporting or other personal consumer reports

I recently had a mortgage company run my credit because I'm purchasing a new home. Immediately after that company ran my credit, I have received XXXX calls plus many texts from other mortgage companies. It's obvious the credit reporting agency 's have sold my information to every mortgage broker across the XXXX states! I have to turn my ringer off on my phone because it's constantly has incoming calls! I have filled out the opt-out form for XXXX years. This is very annoying and overly burdensome and needs to be stopped!
Product: Money transfer, virtual currency, or money service

It was XXXX transaction, which is I havent done at all I dont even know those people. It is very easy to track those people but I dont know why the companies ignore it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federal protection customer rights to privacy and confidentially under 15 USC 1681 I told XXXX, XXXX, and Equifax to Reinvestigate these accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX However XXXX they stated everything was complete and accurate but how is that possible if the opening date, date of last and much more is incorrect. According to15 U.S.C 1681 ( 5 ) They are supposed to modify accounts that isn't reported correctly or delete it. 15U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 It also states a consumer report reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliant with Metro 2 credit reporting I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, a consumer, am submitting this complaint against XXXX and there is no third party involved. XXXX, Equifax, and XXXX has my personal information incorrect and inaccurate on my consumer report. My name is XXXX XXXX XXXX. I do not have any other names or alises, and I do not wish to disclose any other names. I have provided the required documentation to show my given name and XXXX refuses to delete any other name that appears on my report. My current address is XXXX XXXX XXXX XXXX XXXX, IL. XXXX. I currently have no other addresses and do not wish to disclose any other addresses. Therefore if any other addresses are being reported, i demand that you delete them from my consumer report. all the phone numbers listed are inaccurate and i do not wish to provide any telephone numbers. The name on my social security card and driver 's license is how my name should be spelled as well as my address. I demand XXXX, equifax, and XXXX  correct the inaccurate information listed above within 3 business days. XXXX, equifax, and XXXX  is liable for damages of {$1000.00} per violation for civil liability for willful noncompliance which XXXX, equifax, and XXXX  has failed to comply. This also includes my actual damages.
Product: Credit card

I purchased a new lawn mower and took our a load with XXXX XXXX XXXX which has is handle by Synchrony Financial. I received a credit card related to this load in XXXX 2015. I attempted on XXXX XXXX 2015 to setup an online account to manage the load and make payments. The account setup did not go well. I called XXXX for assistance with the account. I was told XXXX was having issues with their internet site and to wait a few hours. I did and it still did not work. A few days later I tried to again and was unable to access my account. I called and was told be a supervisor that the E-services team would need to look at it. Since then I have called several times and have been told to wait for a call back. It has been 3 weeks and there is no resolution. I called again today XXXX XXXX 2015 and was told to call back on Monday. This is a loop of lack of service. I 'm am prohibited me from access my account and paying my bill. I have an excellent credit rating and always pay my bills on time and pay my credit cards in full each month.