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

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX  USDOE/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX  USDOE/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX US DEPT. OF EDUCATIO XXXX USDOE/XXXX
Product: Credit reporting or other personal consumer reports

I have been making monthly payments on my car loan at Sea Coast Bank from my checking account at XXXX XXXX for over five years. I recently paid off my loan and have a XXXX balance. At the end of my loan, Sea Coast Bank reported me to all three credit bureaus that I was 30 days late for XX/XX/year>. This is not true as I timely paid my loan and was not 30 days late. I have three items that prove my payments were timely made. I submitted them to everyone involved : Sea Coast, XXXX XXXX and all three credit bureaus ( XXXX, XXXX and XXXX ).
Product: Mortgage

In XX/XX/XXXX, check # XXXX was received by XXXX. In XX/XX/XXXX the loan was transferred to XXXX/Shellpoint XXXX XXXX # XXXX employee at XXXX confirmed by phone that # XXXX was received and transferred to Shellpoint on XX/XX/XXXX at XXXXwith a confirmation number # XXXX. After lengthy telephone calls, emails of check copies and bank statements, and certified mailings, on XXXX of XXXX, XXXX XXXX XXXX of XXXXShellpoint claims they have no record of check # XXXX. 
Upon examining cashed/deposited check # XXXX ii appears that someone hand signed the check and took the funds after the company received my money. They have a fiduciary responsibility for correctly and efficiently processing my checks. That did not happen and XXXX/Shellpoint has damaged my credit score, accumulated late fees, XXXX  me over the phone with Saturday morning phone calls. On two occasions they were asking for money. When I checked my account I saw they had already deposited the funds they were asking for. They have lied to me on several occasions and upon reporting this to XXXX XXXX his response was " we have to better train ouir representatives. '' They are not taking responsibility for losing my money and instead blame me.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate . 

And one more thing according to 15 USC 1681s-2 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: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Liability for Negligence Under 15 U.S.C. 1681o Dear TransUnion, I am writing to formally dispute any alleged liability for negligence under 15 U.S.C. 1681o regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that any claim of negligence in these matters is unfounded and unsupported by the facts or applicable law. 

To clarify : 1. Violation of My Rights Any attempt to hold me liable without substantiating evidence may constitute negligent noncompliance under 15 U.S.C. 1681o, which requires that information affecting my legal standing be handled with due diligence and accuracy.

2. Failure to Provide 100 % Accurate Information The information used to assert liability against me contains errors, inconsistencies, or lacks complete supporting documentation. Any determination of liability must be based on verifiable and fully accurate records, which have not been provided. 
XXXX. Request for Documentation If there is any evidence suggesting liability, I formally request that you provide all supporting documentation, including any reports, records, or statements used to reach this conclusion. 

Pursuant to my rights under federal law, I request that you immediately : Immediately cease any further action that assumes liability on my part. 
Correct any records reflecting an erroneous determination of negligence. 
Provide written confirmation that my dispute has been reviewed and resolved appropriately Failure to comply with these requests may result in further legal action to enforce my rights under the Fair Credit Reporting Act. Please respond to this dispute in writing within 30 Days from the date of this letter. 

I appreciate your prompt attention to this matter. Please direct all correspondence to my contact information above. 

Sincerely, XXXX XXXX
Product: Mortgage

I bought a house on XX/XX/XXXX of this year. My mortgage is being serviced by LoanCare. 

The first payment was on XX/XX/XXXX. So, at the end of XXXX, I set up an account with them, made the first payment and set up autopay. I got a confirmation that autopay was set up successfully and went on a work trip to XXXX. 

I noticed no payment was taken from my account in XXXX. I tried logging in to make it manually, but it requires a phone confirmation, and I can not receive it from XXXX. 

I tried contacting them by email to ask to help apply the payment method manually. The support email given in their welcome message doesn't work ( got the no-reply message ). I tried emailing all other addresses they have, none of them work. 

Therefore, despite having funds, I can not make a payment. At best I will have to pay late fees when I come back, at worst my credit score will be ruined, which will cost me endless business losses. 

I understand I am " at fault '' for traveling overseas, but every single autopay I set up before since moving to America worked properly. And I think a mortgage service company should have a way of getting reached out to via email, it's absurd that they don't. 

I went a step further and realized there are endless Internet complaints about them not picking up the phone, not applying payments properly, etc. 

All I want is to be able to make my payment. I have the funds to do so, I never missed any payments in my life. I want them to have a customer support email address. 

Thank you so much for helping with this and I apologize if it wasn't right to reach out to you with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to monitor my credit report with Equifax both online and with the Free XXXX XXXX XXXX. I've even tried to call a few times in the last XXXX months. Each time it's like I don't exist. I called them with the number given on their website ( because I get the error message : Please give us a call and give this code to the Agent : XXXX. Your Equifax credit report and score are not available at this time due to a technical error. ) The agent was confused and said they didn't know what that meant and tried to help me log on the website. After giving all the information I needed to prove I am me they still couldn't prove who I was or pull up any past information about me. It's like I never existed with them when in fact I did before XX/XX/2022. I can give my information to XXXX or XXXX and they can pull me up with no problem. The only problem is with Equifax. This has been going on for the last XXXX months. I just want to know if I exist with them and I don't want this to effect taking out loans or anything with companies that uses them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was checking my credit report because I'm in the process of buying a house when I found out two days ago. The collection company 's name is AR Resources Inc, and the original creditor is XXXX XXXX XXXX. I have no idea who these people are. They are charging me {$750.00}. They reported the inaccurate and fraudulent debt to the credit bureau agencies. They requested a filed report from CFPB to delete the items. 
Please advise
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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

I XXXX XXXX does hereby approach the Consumer Financial Protection Bureau to see if a federal agency can be of assistance mitigating a home foreclosure. My home was originally owned by my father, who has recently filed for a bankruptcy petition that was thrown out of court. Recently my father decided to move back to the XXXX XXXX, and I was given title to his home, where I happen to live with my husband and XXXX children. A copy of the deed transfer is attached. The balance on the mortgage is over {$220000.00}. The property may sell at foreclosure for {$70000.00} to {$80000.00} at best. I can bring in an attorney to address the court for a hold on the scheduled foreclosure of XX/XX/XXXX, so that a proposal can be made to take over the existing mortgage under a modification agreement with a specified amount to be placed in forbearance. I am a member of the XXXX community, obviously a XXXX, who is a professional in the field of XXXX XXXX XXXX. My father has signed a full power of attorney to handle the mortgage negotiation as if I was first person. However, time is short and I wish to maintain ownership under a modified payment arrangement. Accordingly, I need a communication process opened immediately, and a postponement on the scheduled XX/XX/XXXX foreclosure date. It was my father that let this mortgage get out of hand, and now I have been placed in a position whereas I can afford a mortgage payment, but there is a specific deadline on making such an arrangement. There is an unanswered QWR that my father filed back in XX/XX/XXXX  that under the power of attorney now belongs to me as property owner, and this is a true violation under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX XXXX XXXX  they are causing me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires, unverified and unauthorized items that must be removed. I have attached the FTC report and I would like to dispute the accounts below. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information from my credit report. INQUIRIES XXXX XXXX XXXX XXXX XXXX THERE ARE XXXX XXXX XXXX INQURIES THAT I LISTED THAT ARE FRAUDULENT PLEASE REMOVE BOTH.ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER.I also received a copy of my credit report and found the following items to be reported in error. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within XXXX days of the receipt of this letter. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. ACCT NAME : XXXX XXXX XXXX-ACCT # XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. ACCT NAME : XXXX XXXX XXXX # XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.ACCT XXXX XXXX XXXX XXXX OPENED ON XX/XX/2016 In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.ACCT NAME : XXXX XXXX XXXX # XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX AND US DEPT ED. I see a couple of inquiries as well that I don't know about as well XXXXXXXX, XXXX, XXXX XXXX, XXXX/XXXX. I have contacted the police and the FTC.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXXXXXX Balance : {$5600.00}.
Product: Debt collection

Consumer Portfolio Services charged this debt off. A charge off indicates that a 1099c was filed on this account. So when a debt is considered canceled the principle XXXX XXXX XXXX is no longer obligated to pay the debt. The creditor has waived their right to collect on this debt. 
CPS is reporting adversely to XXXX XXXX consumer report which has ran the risk of a low credit score rating. This is a violation according the FCRA. This should be reporting as paid as agreed since the the debt was forgiven by CPS with a 1099c
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit card

Identify Theft. Macy 's American Express sent a second card to to a different address and also increased my limit to {$10000.00}. Person charged {$42.00} at a gas station in XXXX and then tried to charge {$1300.00} at a XXXX was declined and tried again with a different amount of {$1100.00} at the same XXXX a few minutes later. Macy 's American Express contacted me with this information and gave me their Citi Fraud info to file. They did not remove the {$42.00} from my card ( which I am not responsible for as it was not me and they caused this from the beginning ). I refuse to pay this and am getting finance charges plus fees and as of XXXX/XXXX/16 total due is {$70.00}. I have tried to deal with them directly but can not get any satisfaction. All my answers to my questions get the response no I can not connect you to the person in charge of your case in the fraud department. This is been going on since XXXX XXXX and has not been resolved to date. I followed all the instructions given so I am not sure why Macy 's insist I pay the fraudulent charge. This should have been written off on XXXX XXXX, 2016. Even Citi Identify Theft Solutions can not get this resolved with Macy 's American Express. I have cancelled my Macy 's American Express as well as the Macy 's credit card.