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

Despite numerous previous written requests, the unverified and unproven 60 day late payment remain on my credit report in violation of Federal Law. Please be advised that under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to. UPDATE all information which is inaccurate, incomplete or can not be verified. 

This is to be taken as my formal complaint that you are reporting incorrect information on my credit file and Im challenging the reporting and compliance of the alleged accounts/items listed below. 

After reviewing my updated credit report as XX/XX/2024, I noticed the following account below is still reporting an 60 day late payment history. This is particularly concerning as this account has consistently been paid on time. Furthermore, it is illogical to have a 60-day late payment without a preceding 30-day late payment from the previous month. It is imperative that consumer reporting agencies maintain the highest standards of accuracy in their reporting. 

This error is negatively impacting my creditworthiness and could significantly affect my ability to refinance my house at the lowest available rate. 

I DEMAND THE FOLLOWING ACCOUNT BE UPDATED IMMEDIATELY. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED. 


Account XXXX : [ XXXX ] Account XXXX : [ XXXX ]
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX XXXX XXXX XXXX XXXX XXXX acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/XXXX, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score.

It would assist me tremendously if you could make a goodwill adjustment that delete these negative account entrys from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I disputed a transaction with Apple store for XXXX and it been over three months and I received a adjustment but I never received a permanent credit on my account and I have less than XXXX available of credit on my account and the dispute was resolved in my favor ... and I spoke to Goldman Sachs few times and they said they will fix it but it still showing its pending but the dispute was resolved in my favor but Im missing XXXX on my account and my available credit I start out with is XXXX but I never received XXXX at all and it been too long and I spoke to Apple Card over and over and that credit of XXXX never was applied to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few remarks on my credit report that is severely holding back my ability to be financially stable. I believe these accounts I have listed below are inaccurately reporting. According to my FCRA rights I have the right to dispute anything if I believe its inaccurate. I have listed the accounts and the issues i see with them below XXXX XXXX XXXXXXXX False 30 day late pay reporting Date Last Active Experian : XX/XX/2022 XXXX : XX/XX/2022 XXXX XXXX XXXXXXXX Account falsely reporting to XXXX I have attached my ID and proof of address to get this resolved without any issues
Product: Credit card

I received a piece of mail stating I have a balance for a Target XXXX XXXX. I never opened a credit card with Target. I called Target and they advised they would be closing the credit card. Still trying to determine how it was opened.
Product: Debt collection

Phoenix Financial is making a wrongful claim and has flagged my credit for collection which has substantially ruined my credit score. In their letter which was dated XX/XX/XXXX they give 60 days notice to communicate reg. this issue. However on XX/XX/XXXX I checked my credit on XXXX and they had flagged my credit for the amount of {$1000.00}. They violated my Fair credit right to respond in the given time. Also the amount which I was billed from XXXX XXXX was {$380.00} which I paid 6 years ago in XXXX. I never received any additional statements for the claim amount of {$1000.00}. Now after 6 years I receive this bogus debt collection claim from Phonix Financial and without any hesitation and proof, they ruin my credit, this company is using bullying tactics and has violated my right to dispute the claim by reporting it to the credit agency prior to the 60 day given dead line. They need to remove it from collection and resolve it with XXXX XXXX  since it is an invalid claim. I paid the bill of {$380.00} in a timely manner and there was no outstanding balance.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccuracies reporting as well as unauthorized inquiries
Product: Credit card

I disputed charges with Wells Fargo Bank upon finding unknown charges. Wells Fargo verified 2-3 transactions out of a countless amount were potentially mine. Wells Fargo did not remove additional charges that were included in the dispute list.

Wells Fargo should have very simply, adjust the dispute amount to the actual stolen amount as a reimbursement as requested. Wells fargo also gave reasons of non reimburse that are not listed within the Wells Fargo policy, which is a clear violation that should remanded immediately Basic Example : {$5000.00} unknown charged. {$800.00} verified as account holder charged. Adjustment to reimburse {$4200.00} to credit card.

- Lastly Wells Fargo has failed to provide written communication of reason of denial of reimburse request.
Product: Credit reporting

I disputed information on my credit report that was out of date and inaccurate. Bankruptcy and a student loan. After speaking with the Student loan department they told that the account was closed and taking over by another company which i knew already because i had sent the form in to Equifax dispute department to remove the old account of the student loan. Some guy got on the phone and read of some account number that didnt belong to me and refused to delete the items from my credit report. The bk is 7 yrs old and was filed under a lawyer who banned from practice and the put the filing void status. They where very unprofessional and did not follow the law of dispute. I specifically asked them to tsend me proof of the results of my disputes and they felled to do and does not want to delete inaccurate information on my credit report. This matter has put alot of stress on my and as im trying to finance a home. And to have a credit bureau of such handling your credit file is heart breaking. The creditors have asked Equifax to remove the items and they will not do it. For the XXXX. I need some reinforcement to make them do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2015 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX addresses are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX AND TRANSUNION ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that I am REQUESTING FOR REMOVAL OF OUTDATED INFORMATION To Whom It May Concern Please note that under Section 605 and 607 of the Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit report. The following items on my credit report are more than seven years old and exceed the statutory time period under this  Act, and they be removed XXXX XXXX XXXX This account has been past the limitations date as well as inaccurate. 621. Administrative enforcement [ 15 U.S.C. 1681s ] I would like to avoid having to file any other complaints with the FTC over this issue. My Name is  XXXX XXXX DOB XXXX SS XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX address XXXX XXXX XXXXXXXX XXXX, PA XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States that I have right to privacy. 15 U.S.C Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Mortgage

Greetings- I have a loan on a property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with First United Bank XXXX XXXX. I have been consistent in making my payments on time until mid to late XXXX. I was XXXX payment late for a XXXX or 4 months and in XXXX and XX/XX/XXXX, I was 2 months beyond. However, on XX/XX/XXXX, I paid the past due payments and made the current payment for XX/XX/XXXX. I also paid the property taxes for XXXX. 

Unfortunately, I have received XXXX emails for my bank contact stating that they are canceling my loan and it needs to be paid off by XX/XX/XXXX. I owe roughly {$310000.00} and don't have the money to pay this off. I don't understand how they can 'cancel ' a mortgage. I have a lot of equity in this property and the interest rate is around 5 %. I'm feeling bullied by the bank. I think they want to get rid of this loan due the low interest rate and/ or they want to foreclosure on the property since I have so much equity. 

I use this property for my AC business and it would dramatically hurt this business and the XXXX employees if we had to move. 

Please help to maintain the existing loan. 

Thank you. 

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

Dear, XXXX, XXXX, Transunion I NOTICED IN MY CREDIT REPORT ACCOUNTS IN MY XXXX, XXXX, TRANSUNION CREDIT FILE THAT ARE INACCURATE AND I TREID TO REACH OUT TO THE TWO THE CREDIT BUREAS IF THEY CAN INVISTAGATE AND RESPOND TO BE WITHIN IN 30 DAYS. THEY HAVE NOT RESPONDED SINCE MY FIRST LETTER THAT I SENT CERTIFIED. ON XX/XX/2021. HERE ARE THE TRACKING NUMBERS. AND THEY WERE RECEIVED. XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE PROVIDE A TIMELY RESPONSE TO THIS MATTER AS MY LIFE DEPENDS ON IT.. MY FAMILY IS COUNTING ON THIS.. I AM THE ONE AND ONLY PERSON WHO WROTE THIS DISPUTE. PLEASE DO NOT RESPOND BACK SAYING ANYTHING OTHERWISE.. THANKS FOR YOUR TIME
Product: Credit card

I made payments for {$4300.00} and {$100.00} on XX/XX/XXXX to Citicard. The funds were deducted from my bank account on XX/XX/XXXX and were transferred to Citicard at the end of the day on XX/XX/XXXX. Citicard has not applied the amounts above to my available credit in my Citicard account, and according to their call center reps, they have " placed a float on the money. '' When I first called Citicard on the morning of XX/XX/XXXX to ask why the payment was not applied to my available credit, the call center rep named XXXX called my bank- XXXX XXXX to see if the funds had cleared. A XXXX XXXX XXXX told XXXX the funds had been deducted from my account and that the ACH transfer to Citicard would be complete by XXXX pm XXXX on XX/XX/XXXX. XXXX told me that the " float '' on my account could be lifted after the ACH was complete. XXXX said she would call me back on XX/XX/XXXX to help lift the " float '' on my account so that the payment would be applied. XXXX did call me back at XXXX XXXX. MST on XX/XX/XXXX and left a voicemail on my phone stating she was calling to assist me with lifting the " float. '' When I called Citicard back at XXXX am MST on XX/XX/XXXX to have the " float '' lifted, I was told they could not lift the " float '' and would not apply the payment to my account until XX/XX/XXXX. I explained that the XXXX transfer was complete and they had my money. They still refused. I asked to speak with a supervisor who could help me and who could explain why they were holding the payment and not applying it to my account. I was transferred to several reps and finally spoke with an account manager named XXXX. He said he would not remove the " float. '' He did not explain why. I asked him to find someone to help me. He said no one could help, then hung up on me. I was on the phone with Citicard for XXXX hour and XXXX minutes. 

The payment has yet to be applied to my available credit on my account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX  XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT MINE
SICK FOR AN ENTIRE YEAR WITH XXXX
-

Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Phone number
XXXX XXXX

Is everything correct?
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate ; XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX,. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Experian Information Solutions inc XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Experian customer service violated my privacy changed information without my consent or authorization refused to make correction. 


I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account - US BKPT CT SC COLUMBIA Account Number - 2001397HEB 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 m written instructions. 
Delete this account immediately {$1000.00} per violation Account - XXXX XXXX XXXX XXXX XXXX Account Number - XXXX XXXX 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 m written instructions. 
Delete this account immediately {$1000.00} per violation Account - XXXX XXXX XXXX XXXX XXXX Account Number - XXXX XXXX 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 m written instructions. 
Delete this account immediately {$1000.00} per violation PERSONAL INFORMATION Incorrect name - XXXX XXXX XXXX ( DELETE XXXX ) Delete this account immediately {$1000.00} per violation Incorrect name - XXXX XXXX Delete this information immediately {$1000.00} per violation Address Information XXXX XXXX XXXX XXXX, SC XXXX Delete this account immediately {$1000.00} per violation XXXX TRIBUTARY WAY XXXX, GA XXXX XXXX this account immediately {$1000.00} per violation INQUIRIES XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation EXPERIAN XXXX XXXX Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX 
Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 20 fraudulent hard inquiries to my Transunion report. They have given me no path to removing, or disputing the disturbingly high number of fraudulent inquiries. I have made multiple contacts to the beaurau and they have given me no assistance. It was simple for me to fix with XXXX and XXXX, this is why I know something is wrong. I'm a fraud victim and now being further harmed by Transunion 's choice to not help. I believe that they are trying to force me into buying one of their products in order for me to remove the fraudulent inquiries. I feel they are trying to extort money from me, in this way to correct my report.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX - XXXX - {$4600.00} XXXX XXXX XXXXXXXX - XXXX - {$4100.00} XXXX XXXX  XXXX - XXXX - {$2100.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit card or prepaid card

I had a card opened with a company called Truist, a company based in North Carolina. I live in Oregon, so someone must've gotten my government identity to file for this card. They proceeded to charge XXXX dollars, overdrafting said card and potentially damaging my credit in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.