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

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
INQUIRES XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Debt collection

I have been receiving notices from XXXX XXXX  and TD XXXX XXXX XXXX that I was behind on payments to my account since XXXX or XXXX of XXXX. Knowing that I never opened a card or account with XXXX XXXX XXXX, or TD XXXX XXXX XXXX I was throwing the notices away thinking they were some sort of scam tactic to try to get my personal and/or financial information. On the third notice, I decided to investigate. I accessed my bank 's tools and I was able to access my credit report. My credit score had dipped XXXX points since XXXX! My credit score was very high ( XXXX 's ) and now it's in the XXXX 's! I looked at what accounts I had open, and sure enough, it said I had an account open with XXXX XXXX  since XX/XX/XXXX. It showed as a revolving account of {$76.00} a month and all payments were made up until XX/XX/XXXX! 

On XX/XX/XXXX, I called XXXX XXXX to inquire, but it was a Saturday, so they gave me several numbers to call during the weekday. 
XXXX  Customer Support : XXXXXXXX XXXX XXXX Fraud Department : XXXX XXXX XXXX Federal Trade Commission XXXX I called XXXX Customer support on XX/XX/XXXX to inquire if there was an account open associated with my name, phone number, or any of my email accounts. There was nothing. They suggested I reach out to the XXXX XXXX Fraud Department. 

On XX/XX/XXXX, I called XXXX XXXX Fraud Department and they directed me to go to www.myonlineaccount.net to dispute the account. They also made a note of it on my " account '' so my complaint could be attached to the account. I did so, but have not heard anything back yet. They also suggested I call the Credit Bureau and Federal Trade Commission at the numbers shown above. 

On XX/XX/XXXX I called the FTC and it mentioned a website to enter my information/complaint and because of the nature of the complaint I was directed to submit a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report.

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am disputing this account with XXXX XXXX as it does not belong to me. I have no record of entering into any agreement or contract with this company, and I believe it may have been reported in error. Please investigate this matter and remove it from my credit report if ownership can not be verified. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : I am disputing this account with XXXX XXXX  as it does not belong to me. I have no record of entering into any agreement or contract with this company, and I believe it may have been reported in error. Please investigate this matter and remove it from my credit report if ownership can not be verified.

These items are either inaccurately reported or have already been resolved, and I respectfully request that they be thoroughly investigated and corrected. Despite my prior efforts to address this matter by contacting both the credit reporting agency and the data furnisher, the issue remains unresolved.

To support my claim, I have attached relevant documentation, including screenshots of my credit report highlighting the inaccuracies and other supporting evidence. I kindly ask for your prompt attention to this matter to ensure the information on my credit report is accurate and reflective of my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX.
Product: Credit card

Credit line account stated when i signed up for the account i had a 15.99 % rate with XXXX  if i took all my credit line out {$17000.00} my payment would be XXXX. Well i applied for XXXX  received a deduction in interest charged supposedly and my payment monthly is higher XXXX last month and this month is XXXX none of what this account states makes sense.
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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed. 

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When someone tries to access my Equifax report it is either blank or has someone elses name. I am being told i have two credit files. When I call Equifax I am given the run around. When I access my report via their site it is blank. I am being denied housing and loans.
Product: Credit card or prepaid card

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/21 Balance {$3000.00}
Product: Mortgage

PHH mortgage has put my past due amount on my mortgage ( due to covid 19 loss of businesses ) of $ XXXX to a Balloon payment at end of my mortgage without my consent after delaying for 9 to now 16 months working with and rufusing the XXXX  ( HAF ) money in every way possible of whom is willing to pay in full. XXXX has tried to pay even sending a check of which PHH never cashed. PHH Told me they even were unjustified to do so missing proper signed papers and would reverse it but now refuses to after more delays, lack of communication and misinformation as well as changing my representative.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX  with XXXX When XXXX the supervisor called after several calls to the credit consumer dept and other agents around XXXX XXXX  and told her that prior to this phone call. I had talked to the supervisor who asked me to talk to her in reference to three other calls as of XXXX, XXXX and XXXX and that each time I spoke to any of the representatives they had given me the wrong amount to pay towards the credit card as of XXXX onwards. at one point they even canceled my credit card and when I called them they said I had only {$20.00} payment due even though I knew that I had made a payment of {$170.00}. I actually called in XXXX to find out how much I owe them. All of this was a mistake by all the representative involved, including XXXX, XXXX, XXXX, and XXXX, XXXX and XXXX  XXXX  those are three representative I spoke to who were supposed to give me the correct amount of each time, yet they all gave me the wrong amount, and I was paying the wrong amount towards the card. No one took the initiative to give me the correct amount until I finally spoke to XXXX and she never gave me a call back after that in XXXX I again called them and made an entire report yet. No one has returned my calls even though XXXX supposed to be the supervisor XXXX is your phone number that was the number I was given by the consumers credit department, which is XXXX 
I reached out to Expetrian and XXXX. Experian stated the account is accurate and I could dispute it, so I now Im reporting this to you. The main culprit is XXXX XXXX. For not following up with any requests.
Product: Debt collection

I have pulled my credit report in XXXX 2016 and found that Mid Michigan CB placed XXXX collections on me. I send out letter to dispute both debt in XXXX 2016. Mid Michigan did not respond. I filed a complaint to Consumer Financial Protection Bureau Case # XXXX in XXXX 2016. They send out the XXXX original document from the original creditor for {$16.00} which I have proof that it was paid. I will send you documentation on it. They have not sent me the other XXXX for {$130.00} that they say I owe and the account number is # XXXX. Mid Michigan CB had over six months to Validate this debt which they have not. The have violated FDCPA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

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 XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX {$9400.00}, XXXX XXXX {$10000.00}, Department of Education {$5300.00}, XXXX XXXX XXXX XXXX {$270.00}, XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit card

Best Buy credit card was abruptly closed without warning. Company advised me I was notified like last year. I NEVER RECEIVED ANY NOTIFICATION AT ALL... 

They advised me closed due to inactivity XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$58.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00}
Product: Credit reporting or other personal consumer reports

There is an acct that is reporting as collections, This acct is inaccurate. I did not agree to sell this account, nor has the company validatedths debt. I was a victim XXXX  XXXX and was covered under federal XXXX XXXXThis account has been illegally added and the fact that this account was sent to collections within 60 days of me vacating the alleged property is also questionable. We were NOT notified of this balance and they have refused to validate this debt as of XX/XX/year> and within 30 days as of I advised each agency/company by CERTIFIED letters requesting they provide proof to substantiate this account within 5 days and this was not done. Therefore, I am requesting this derogatory mark be removed since it was NOT validated. If it is not, I have filed a complaint with the Federal Trade Commission, The Colorado Attorney Generals Office, Consumer Financial Protection Bureau and any other agency that assisted in adding this derogatory account to my credit and/or attempt to collect these amounts again. I will also file Civil and Criminal claims will be pursued in federal or state court for up to {$1000.00}, including damages against any and all agencies that assisted in violations in accordance with 15 U.S. Code 1692g. I have Therefore, XXXX XXXX is in violation of The Fair Debt Collections Practices Act ; 15 U.S. Code 1692g and refused to provide detailed information that your company sent/notified me Notice of Debt the original 30 days of receipt of the account.
Product: Checking or savings account

On XX/XX/XXXX after I had made a purchase for goods and the merchant would not accept my us issued passport as identification and informed me that they would not be refunding my money that I would go through the bank dispute process. I reached out to Credit Karma and informed them and started the dispute process. That was 16 days ago. They haven't even reached out to ask if I had any supporting documentation which I do I have all the email correspondence. Once it reached the 10-day mark I started reaching out every day and I was told that they can see that I should have gotten a provisional credit but it didn't post to the account so they were going to escalate it well 6 days later and I still have not even been contacted for evidence or proof let alone the provisional credit I've tried everything I can and they just won't follow the law
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting this account inaccurately. This debt has been paid in full. Any remaining balance is due to me the consumer. I am requesting Nelnet to refund the full balance of my account.

Under the Family Educational and Privacy act my financial information should not be shared with anyone. 

I am now opting out of any consent you may think you have.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover incorrect accounts on my credit report, and I have no idea how they ended up there. I routinely check my credit report, but this time I was stunned to see discrepancies that appeared out of nowhere. I tried refreshing my browser, thinking it might be a technical issue, but the inaccuracies didnt go away. Given this situation, Im asking for a meticulous review of the documents Ive submitted, so I can avoid this kind of worry in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been given multiple opportunities to correct the information for a XXXX XXXX account in my credit file. IN prior investigations Experian concluded the payment history furnished by XXXX XXXX was incohate and chaged periods XX/XX/XXXX through XX/XX/XXXX to ND. However, they continue to persist ninety day late periods for XX/XX/XXXX through XX/XX/XXXX until XXXX itself paid off the student loan to close the account and prevent it from being reported further. The entire payment history was false due to a misapplied payment and mishandling of deferment and forbearance approvals. Yet, Experian continues to persist the worst of the fallout from XXXX XXXX accounting mistakes which harms me as a consumer. If the payment history was inconclusive, in the months immediately prior to the first reporting of a ninety ( 90 ) day delinquency, then the reported ninety ( 90 ) day delinquencies can not stand on their own. Moreover, those delinquencies are reported as months for which the account was in a CO status, which again was due to the misapplication of payments and mishandling of a deferement and forbearance approval. Absent payment status that is concluded " accurate, '' the CO annotations can not stand. The FCRA requires that a consumer reporting agency ensure maximum accuracy of information witin a credit file. The precedent established within my Federal district makes clear that reporting of false/misleading information violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : Twumasi-Ankrah v. Checkr , Inc. , 954 F.3d 938, 943 ( 6th Cir. 2020 ). As such, to ensure maximum accuracy under the FCRA, it is incumbent upon Experian to change the affected periods to Not reported/NR, and to remove any and all derogatory payment and account status narratives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called my loan company to dispute inaccurate credit reporting, and the company name is Innovative Loan Servicing ( XXXX XXXX XXXX XXXX ). I have an auto loan with them for my XXXX XXXX XXXX. XXXX XXXX is the only credit reporting agency with a record of the account open in my name but no payments have been reported on the account since XXXX of XXXX. XXXX and XXXX have no information reported to them about the accounts current and past status, and they can not intervene with a dispute on my behalf without a report submitted to them from Innovative Loan Servicing regarding my loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I arrived at XXXX XXXX in XXXX on XX/XX/2023 with a full approval from XXXX XXXX to purchase a vehicle. I specifically told the salesman I did not consent to a hard inquiry to my credit nor did I want to discuss any other financing options besides what I was already approved for with XXXX. The salesman asked me to confirm my information with a signature to just verify the XXXX deal within their portal. I once again stated I did not consent to any hard inquiry of my credit. Despite this, the dealership processed a hard credit pull and sent to Ally Bank who also processed a hard inquiry on that same day. When meeting with finance I repeated I was not interested in any deal other than XXXX and the deal was finalized with my approved chase offer already in place. The next week while reviewing my credit I saw the XXXX XXXX and Ally hard inquires to all XXXX CBRs. When I contacted the dealership I was told well that salesman is new and there is nothing we can do about it now. I believe this to be a UDAAP violation for deceptive practices and would like the hard inquiries I did NOT consent to removed from my credit reporting.
Product: Credit reporting or other personal consumer reports

I received an email from global lending services on XX/XX/year> stating that I was declined for a loan I never applied for. I did not sign up for a loan with global lending services.
Product: Credit card

I have asked American Express to extend Military Lending Act protections to my credit card account on multiple occasions ; first request was in XX/XX/XXXX and this was denied XXXX XX/XX/XXXX. Another request was made after uploading a copy of my proof of service/eligibility from Defense Manpower Data Center , this request was denied XXXX XX/XX/XXXX. Both times American Express stated that I was ineligible for these protections which is blatantly false ; I started this account on XXXX XX/XX/XXXX after commissioning ( entering XXXXXXXX XXXX XXXX ) on XXXX XX/XX/XXXX. I have also had several phone calls with the company in XX/XX/XXXX and XX/XX/XXXX trying to discuss the issue with customer service representatives who were almost entirely unaware of the Military Lending Act or Servicemembers Civil Relief Act, eligibility for them, and the protections they provide.