23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/19 Sunrise Credit Services is saying I owe them $ XXXX.I have never had an account with this company, nor do I owe them {$550.00}. Ive previously disputed this and I dont know why this is still on my credit. They have yet to produce a signed copy of my signature stating I have an account with them.
Product: Credit reporting or other personal consumer reports

15 usc 1602 By law charges off or an accurate information on your consumer report supposed to be deleted XXXX the XXXX already deleted this item Equifax please delete this item out your system
Product: Credit reporting or other personal consumer reports

After reviewing my Credit Report, I noticed several UNAUTHORIZED Hard Inquiries on the report as follows. Please DELETE the Hard Inquiries as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Selene Finance fraudulently reported a new account number XXXX onto my XXXX credit report file. This fictitious account number was posted between XX/XX/2022 and XX/XX/2022 and I do not nor never had a contract with Selene Finance with this loan number. This fraudulent account is also being reported as being late 120 days when its new and never appeared before on my credit profile as it was recently opened. I never consented nor signed this new loan account and immediately asked for validation of this account through the administrative process. The monthly payment being demanded, and loan number looks like fraud as I don't recognize either of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditor is violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that this listed account is fraud. My information isnt protected, and this credit bureau and company isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this company, this company did not honor my rights or acknowledge my supporting documents regarding identity theft. This account was open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from this creditor, and assisting to furnish a wrong, and fraudulent account. I demand this account be removed ASAP.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My complaint is with XXXX. XXXX is reporting a collections a time barred collections over XXXX years old. The reason I know it is time barred is because Ive been disputing this throughout the years same debt amount different collection agencies always being displayed as new collection in fact its very old.
Product: Debt collection

I received a letter on XX/XX/2022 from an attorney 's office that I am being sued by XXXX XXXX XXXX on XX/XX/2022. I have not received any notice that they are pursuing legal action, nor have I been served. I have never gotten a straight answer about where this debt came from or where they bought it from. I will not pay a company that profits on fear and intimidation tactics. There is no reason that I should have to pay a company that can't provide me with details of the debt.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent a dispute letter to chexsystems advising them that they were in violation of the FCRA and FDPCA. they responded back to me that the information was verified and accurate which impossible, I then wrote ( dispute letter XXXX back to them again XX/XX/XXXX stating the same fact and they still replied with the above response. 
Fact, Fair Credit Reporting Act is federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. 
Fact, proof as seen in attachment labeled EXHIBIT A. That ChexSystems is in violation of 15 USC 1681b ( a ) ( 2 ). Permissible purpose. I never provided ChexSystems with written consent to report anything on my consumer report/file. When there is no consent that is identity theft. 
Fact, proof per attachment labeled Exhibit A, that ChexSystems is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by congress only, I can validate a debt and I do not validate this debt.

Fact, proof in attachment labeled Exhibit A, that ChexSystems is in violation of 15 usc 1681a ( 2 ) ( b ) which the law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. ChexSystems stated they verified this item, but that makes no sense as I am the original creditor in which I am unable to extend credit to myself.

Fact, the FCRA states that civil liability for willful noncompliance, per 15 usc 1681n ( a ) ( 2 ) ( i ). Well XXXX  violated the federally protected consumer rights. That is the amount of {$3000.00} that I am due
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke with XXXX from Equifax, Inc about my Credit Score not being updated since XX/XX/XXXX. She stated she would get my credit score updated in a timely manner. I have given Equifax the appropriate amount of time and my credit score still hasnt been updated since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Product: Credit card or prepaid card

In XXXX of XXXX, I received a letter from Barclay 's Bank regarding our Wyndham Rewards Visa card. I were informed that our account was past due and that they had attempted to reach us. I immediately paid the bill in full, as that is our consistent practice with all of my credit card bills, but when I checked our billing history ( they email me our statements ) I realized we hadn't received an electronic bill from Barclay 's since XXXX of XXXX. I immediately closed the account as I had lost confidence in Barclay 's ability to properly manage this account ( I had a previous incident where they had misapplied my payment to another account and held our account in arrears until they could find their error ). Barclay 's then notified the credit bureau of the delinquency and my credit went from excellent to fair. I have tried to reach out to Barclay 's to have them retract the reporting as it isn't fair that I should be penalized for two months of late payments when they never billed me for those two months. Barclay 's only suggestion was to reapply for the credit card.
Product: Debt collection

From the onset I do not recognize this account the date of the account was your sign of the it count nor do I recognize being notified of its past due status. That was the victim of the equal facts that had reached 2017 whereas most of my information and they're upon the dark net and I've been paying for it ever since. This is a direct result of I'd theft.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation and reinvestigation. The account payment history is clearly and OBVIOUSLY INACCURATE, The inaccuracies are highly injurious to my credit score. I HAVE LISTED BELOW MULTIPLE INACCURACIES THAT YOUR COMPANY IS REPORTING, EVEN AFTER YOU Updated & Verified the account. Here are a FEW of the inaccurate payment history, making all the payment history inaccurate as it currently XXXX XXXX XXXX XXXX XXXX On time XXXX XXXX days late XXXX - 90 days late XXXX, XXXX, XXXXAll listed as 120 days late XXXX XXXX 150 days late XXXX 150 days late XXXX 60 days late I am DEMANDING THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT! It is a violation of my Consumer rights per The Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against LexisNexis for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) after I submitted a dispute regarding an inaccurate bankruptcy public record on my consumer report. 

On XX/XX/year>, I submitted a dispute to LexisNexis with sufficient documentation to support the removal of an inaccurately reported bankruptcy public record. Despite this, LexisNexis has failed to : Respond to my dispute within the XXXX investigation period as required by law. 
Remove the disputed bankruptcy from my file or provide any follow-up regarding the investigation. 
Details of the Dispute : The public record in question is a bankruptcy that was inaccurately reported on my LexisNexis report and my consumer report. 
I provided documentation proving that this bankruptcy record was incorrect and should be removed from my report. 
LexisNexis has failed to investigate or respond to my dispute within the legal time frame of 30 days, as required by the FCRA, Section 611. 
Legal Violations : Under the FCRA, credit reporting agencies are required to respond to disputes and either correct or remove the inaccurate information within 30 days. LexisNexis has violated this obligation by failing to act or even communicate regarding the status of my dispute. 
The failure to verify and remove inaccurate information from my consumer report is a direct violation of my rights as a consumer under the FCRA. 
Requested Resolution : I am requesting that LexisNexis immediately remove the disputed bankruptcy and any related inaccurate public record information from my consumer report. 
LexisNexis should provide a written confirmation that all disputed information has been removed. 
I also request that the CFPB intervene to ensure that LexisNexis complies with the legal standards outlined in the FCRA and does not continue to harm my credit standing by failing to act on verified inaccuracies. 
Additional Information : I am prepared to provide all supporting documents and a copy of the initial dispute letter sent to LexisNexis upon request. 
LexisNexis 's lack of action on this matter is not only a failure in consumer protection but also a breach of the legal obligations they have to consumers under federal law. I request immediate intervention from the CFPB to resolve this matter. 

Thank you for your attention to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX NOT PROVIDED XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RESIDENT VERIFY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have Experian, XXXX and XXXX remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XXXX XXXX and the end of XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.
Product: Debt collection

XXXX is not only fraudulently charging me for a cellular phone account that I have no contract with them about nor did I receive any phone devices from them. They have passed my personal information to a third party company Jefferson capital violating my privacy. I did not give them consent or permissible purposes to do so. I have no contract bearing my ink signed signature with neither company. Now they are hindering my credit score with this fraudulent information. Jefferson Capital I will file a law suit against for having my personal private information without my consent or permissible purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and notice accounts i dint not authorize. TThe following companies have violated my rights acording to 15 usc 1692. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX XX/XX/XXXX XXXX inquire XXXX
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXXXXXX # XXXX, .. has 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 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: Payday loan, title loan, or personal loan

I was told during the loan application process there was no interest charge for 6 months. I am presently being charged 169 % interest on my loan. The company is insisting they did not lie and these are just finance charges. The company is using the term interchangeably with interest in order to trick consumer into astronomical interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiries : XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Property located at XXXX XXXX XXXX XXXX, XXXX PA XXXX # XXXX Selene Financial. I paid this amount for my school taxes at the time of closing with Quantic bank for the sum of {$14000.00}. I received a letter from the county for taxes delinquent and I reached out to Selene Finance as to why this amount was not paid even though I already paid this amount at my closing. Selene representative told me that it is the responsibility of Selene Financial to pay the tax. Upon reviewing my account Ive noticed that the delinquent taxes were paid from my escrow payment which includes penalty that was incurred for late payment which in turn result in my monthly payment to be increased from {$5200.00} to {$6300.00} on a monthly basis due to increase payment form escrow account. I indicated to Selene Financial representative that I am unable to pay this amount on a monthly basis with the possibility will cost me to default on my mortgage. 

I am being charged twice for the same taxes once at closing and again from my escrow which balloon my monthly payment. I honestly believe that upon the purchasing of my mortgage from XXXX XXXX it is Selene Financial responsibility to ensure that all payments are made before taking on the responsibility of owning and managing my mortgage, now Im at a disadvantage and its impossible to explain this to customer service Ive been on the phone for over two hours trying to explain this to customer service.

I spent hours on the phone with Selene representative who asked me to email copy of my closing statement which I did I never received a response from Selene financial as to the status or a confirmation of my email. Please assist