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

I am filing a complaint with you in regards to Experian. I have filed multiple disputes on two US Dept Of Education Loans reporting to my file that have ruled in my favor now four times. 

The account has been closed after the dispute. 

What I am disputing is Experian 's reporting method. 

Before the most recent dispute I was at a XXXX on my credit score. 

After this company fraudulently reported information to my credit report it changed to XXXX. 

After the dispute was approved and found in my favor my score changed to XXXX. 

This issue has cost me dozens of points in my score and is not the first time that this has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Student loan

I RECEIVED A LETTER FROM COAST PROFESSIONAL INC STATING THAT THEY ARE GOING TO GARNISH MY WAGES FOR MY STUDENT LOAN DEBT. I HAVE NOT RECEIVED ANYTHING FROM THIS COMPANY BEFORE AND THEY ARE NOT WILLING TO TAKE A PAYMENT PLAN FROM ME. AND NOW I HAVE 2 WEEKS BEFORE THEY GARNISH ME.

IF THIS HAPPENS THAT WOULD PUT ME OUT IN THE STREET I WOULD LOSE MY HOSE BUT THEY DONT SEEM TO CARE.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately I have one late payment on an account that was in fact paid on time the consumer reporting agencies have the need to report all information with complete accuracy this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/year> Im now requesting you investigate and provide verifiable proof with record showing that I had late payments of this information can not be verified I demand these payments be updated to paid on time immediately thank you for your understanding and prompt action
Product: Debt collection

Zion Holding is reporting a debt of XXXX. 

This debt was given to them by XXXX ( a home security company ). I was a customer of XXXX. Their salesman came to my home and promised me new equipment ( door locks, nest thermostats, and updated panel ). After, the company informed me they could not provide the equipment because it would not work in my house. I then cancelled the contract as they could not provide the equipment as presented by their representative. This was years ago. I cant remember the exact date, but it could have been as far back as XXXX or XXXX. 

Most recently, Zion Holding has shown up on my credit report. As a debt in collections. I have never been contacted by them. The date opened is XX/XX/XXXX. It is not accurate and as resul, if not removed will effect my credit score until XXXX. 

I am requesting your assistance to have this inaccurate information removed from all credit reporting systems.
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have attached a letter in the section where it will explain the incident that happened to me. I have file a dispute with your company for because Ive noticed that I had several new inquiries listed on my credit without my consent. I dont understand as to how the inquiries got onto my credit and I havent inquired about no new accounts. I have contacted the FTC to file a complaint and theyre investigating the incident to see if it was inaccurate or fraudulent. It is sad that every second someones identity is being stolen but who to say that the credit bureaus arent doing this purposely? I am clueless and in distress. In the FCRA section 609, it clearly states that accounts or inquiries that arent verified 100 % correctly should be removed because there is no original application or contract that has the consumers signature. Ive contacted the creditors and I havent gotten no response it seems that Im being ignored and the only way to solve this immediately is to file a civil law suit against the creditors and XXXX, Experian, & XXXX. Please read the attached letter correctly.
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 XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquires that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 XXXX XXXX XXXX # 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: Credit reporting or other personal consumer reports

My phone number changed from the number they have on file to a new telephone number : XXXX. I need my profile updated with this new number and my old number removed. 

There is no way to do that through their log in process. Nor through any of the bots that are running their automated phone systems. The other agencies allowed me to update this information. Experian is the only one that does not provide an option to do this. 

I still can not log into Experian to ensure my credit is still locked. In their response to my last complain they did not address my problem and provided an XXXX number if I still had issues. When I called that number I faced the same problem that I faced with their other numbers. The bot did not help and there is no way to get to a person who can understand. 

I need my phone number updated in my Experian profile so I can be validated with a text and log in. People 's phone numbers change for many reasons and they have no option to get in if this happens.
Product: Debt collection

On XX/XX/2015, I moved out of an apartment. My rental payment was paid in full. From that point on, company has repeatedly called me, harassing me about a Balance of {$18000.00}. This amount has changed multiple times. 

Since receiving the first notice of a debt in 2015 ( the size of a loan ). I have requested a full inquiry to find out what the debt was for. I have been told by representatives, I will get the requested information, including my response to the debt by email. 

I still have not received them. Ive sent multiple money order receipts, ledgers from the management office and Housing court documents to support the dispute. 

For years I have been fighting to get this unknown debt permanently taken off of my credit report.
Product: Mortgage

I became behind on my mortgage payments due to loss of income in the home. In XXXX 2015 I met with and discussed my options with a foreclosure program for my area. I filed the borrower response package to my mortgage lender per the suggestion of the the foreclosure prevention program. I received notice in mid XXXX that in order to process the loan modification request they needed more verification 's, I sent in the requested verification 's via fax. I had n't been sent a decision of my request but found out on XXXX XXXX, 2015 that my home had been sold at a sheriff 's sale on XXXX the XXXX. I have researched what I did wrong and other than falling behind on my payments I followed the procedures that I was supposed to to prevent the sale of my property. Once the request for loan modification/ partial forbearance of my FHA issued loan the foreclosure process should have been suspended until they fully processed the request. I also was not given a chance to appeal their supposed denial of my request because I did n't receive the denial. According to the law I was n't given the opportunity to save my home like I should have been able to. Since the request for loan modification I have been setting aside what would have been my loan payments in good faith that my situation would be given the consideration that it is supposed to under the law. I would like assistance to get the sale overturned and the full opportunity to save my home.
Product: Prepaid card

I am XXXX because of this company.back in XXXX I was a severe vitcim of identity theft.my social, ID, birth certificate, all debit and credit cards were stolen and utilized.i had XXXX XXXX took out in my name and someone even had access to my unemployment benefits and was changing my address and ordering new cards to different addresses.they had access to my credit profile as well.the fraud transactions came up to XXXX in XXXX filed XXXX claims with bank of america XXXX XXXX XXXX provided them with my police report, ftc report, hardship XXXX, and more information verifying XXXX a victim of ID XXXX has been my XXXX reconsideration and XXXX XXXX XXXX XXXX XXXX  now since I can't work.i really hope I can get this handled this has been the worst time of my life! They sent me the documents they used in the investigation and the documents and transactions they used to determine were FRAUD transactions too! My ID theft issue is way bigger than the documents they used. I am not liable for this fruad on my account Ps : my new police report has got approved and the POLICE REPORT TRACKING NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX This account does not belong to me. 

If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Product: Debt collection

I got a derogatory mark on my XXXX  and XXXX  credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without know knowledge of this account. I've proof of account showing deleted and reappearing. 

CAINE & WEINER COMPANY INC
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 Equifax 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by 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 reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXX XXXX XXXXXXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple address that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 45 days I review my updated credit report and notice that Experian and XXXX did not update my address and also did not remove the inaccurate addresses, so I am now, taking the extra step, because I really these addresses off of my credit report.
Product: Credit reporting or other personal consumer reports

This is my six 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  {$940.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX  : {$3000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX  {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX  {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$860.00} 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 XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA all information should be 100 % accurate. 

please see attached. 

Also, XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX Time Payment Account # XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX
Product: Debt collection

CFPB Complaint : Credit Resource Management - Debt Validity Dispute I. Introduction I am filing a complaint against Credit Resource Management ( CRM ) regarding the validity of a debt they are attempting to collect. This complaint disputes the assignment of the debt and the validity of the trilateral agreement. 
II. Parties Involved Complainant : [ XXXX XXXX XXXX ] Debt Collector : Credit Resource Management ( CRM ) III. Dispute I am disputing the validity of this debt for the following reasons : Assignment of Debt : I have not received any verification of the debt assignment from the original creditor to CRM.

Trilateral Agreement : I have not received a copy of the trilateral agreement between myself, the original creditor, and CRM. 
Belated Debt : ( Optional - Only include if applicable ) I believe this debt is past the legal statute of limitations for debt collection in my state.

IV. Request I request that Credit Resource Management : Cease all collection efforts until the validity of the debt is established.

Provide verification of the debt assignment from the original creditor.

Provide a copy of the trilateral agreement.

Investigate the validity of the debt based on the statute of limitations in my state.

V. Additional Information ID and Proof of address VI. Closing Thank you for your time and attention to this matter. I look forward to your prompt response and a resolution to this dispute. 
Sincerely, XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I see debts on my credit report from an account that is not mine.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 data is inaccurate.