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

I mailed to have this fraud alert removed off of my credit report and it is still not removed Remove the fraud alert on my credit report. I have attached my license for identity Remove this statement asap " XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT XXXX XXXX XXXX XXXX  XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Bankruptcy : Dismissed CH-XXXX on eq XXXX Bk Chapter XXXX XX/XX/XXXX XXXX Bankruptcy chapter XXXX-dismissed XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  todays date XX/XX/year> Account name CELTIC BANK/CONTFINCO Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/year> Contact info Phone number ( XXXX ) XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request validation of the debt referenced above, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive verification of this debt. Please provide the following information : 1. **The amount of the debt** : A detailed breakdown of the amount you claim I owe, including any fees or interest. 2. **The name of the original creditor** : The name and address of the original creditor to whom the debt was owed. 3. **Proof of the debt** : Documentation that shows I agreed to pay the debt, such as a signed contract or agreement. 4. **Verification of your authority** : Proof that you have the legal right to collect this debt, including any documentation that shows the transfer or assignment of the debt to your agency. Please consider this letter a formal dispute of the debt until you provide the requested information. Additionally, please cease all collection activities until this debt has been validated. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a dispute with XXXX regarding a fraudulent application for an overdraft protection loan opened in my name by my ex-husband as a co-signer but one where I was listed as not authorized to use. 

My ex husband stole my identity and opened up a joint overdraft line of credit on a checking account back in XXXX. He then put me as Non-authorized user so I never knew about this account or received any info about it since the address on file was never my address. Even until today, I am unable to find out any information about this account because I am not an authorized user. 

He stopped paying the balance back in XXXX, after we divorced, and this account is now a negative on my credit report. When I call XXXX, they can not give me any information because Im not an authorized user. 

I have taken steps to clear this issue by requesting my original signature authorization or any documents that I supposedly signed to open the account. My plan was to take these documents and have them analyzed by a certified forensics handwriting expert ( I had to do this with other issues with my ex husband. He is a criminal ). They said they do not have the documents. How am I able to prove the application was fraudulent if they didnt keep the documents to analyze? 

As a result, they denied my claim of fraud for lack of documentation but will not tell me what documents are required. Im hoping making a complaint with the government under oath will show my complaint is legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed four separate rounds of dispute letters to each of the three Credit Reporting Agencies ( XXXX, XXXX, and Equifax ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX. Requesting that the Bankruptcy being reported on my Consumer Credit Report, and all associated accounts with this bankruptcy be removed since this information has not been verified. Per the FCRA all information reported on a consumer 's credit report must be verified as accurate and correct. 

I sent in four separate dispute letters to each of the three Credit Reporting Agencies and was told on four separate occasions, by each agency that the information was verified as belonging to me. However, there was no supporting evidence sent to me to show that an investigation was ever done. 

Per the FCRA, all information entered into a consumer 's credit report must be verified with the original party involved, and can not be verified by a third party. I have a letter dated XX/XX/XXXX from the Clerk of Court, U.S. Courthouse stating that their office does not disclose bankruptcy information to Credit Reporting Agencies, or third parties.
Product: Credit card or prepaid card

I applied today and got denied, I am trying to get this credit card not an everyday use but I am trying to get this credit card to take my XXXX to the XXXX  that is charging XXXX for a procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various disputes over time with this agency regarding accounts that are frivolous or are showing inaccurate information. However, upon submitting the disputes with the agency, 3-4 weeks later, I receive a letter with my credit report and the investigation results. They come back verified as reported. I know by law, that the accounts in question can not be verified because these companies do not possess a signed contract or have a document such as a copy of my drivers license or social security card attaching me to the accounts in question. Therefore I sent debt validation letters to the creditors or collection companies. Within 30 days, I received nothing back or a statement outlying balances of what is owed. According to FCRA under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), the agencies must provide documents proving their method of verification. I have sent at 4 letters requesting documents and I have not received any response in accordance to my request. Listed below are the accounts in question that are on my credit report that should be deleted due to inaccurate information, that by law is an unverifiable account. 

XXXX  # XXXX Unverifiable Acct XXXX XXXX XXXX # XXXX Unverifiable Acct XXXX XXXX # XXXX Unverifiable Acct.
Product: Credit reporting or other personal consumer reports

There is an XXXX alleged collection account on my report. I am a victim of identity theft and these accounts have been reported to the Federal trade commission. Not only is this identity theft, this is also a compromise of my personal information and an attack on my character if new lines of credit are being opened without my knowledge and proper verification being completed by credit bureaus. These accounts do not belong to me. XXXX is reporting inaccurate information to creditors causing a hindrance in my credit score evolving. Please remove accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recent review of my credit report an item was listed on Trans Union. 
XXXX XXXX XXXX. It was reported as in collections for the amount of {$770.00}. 
I have never heard of this company. I contacted Trans Union and filed a complaint. 
File # XXXX. I also tried to contact XXXX XXXX XXXX  directly, but was put on hold twice. Both times the call was disconnected. Received the results of Trans Unions investigation XX/XX/XXXX. They verified the account as accurate. I called and asked them what criteria was used to determine the the accuracy of the account. Was told they verified with XXXX XXXX XXXX my name, address and social security number. 
That was the extent of their investigation. My did my own investigation and found that XXXX XXXX XXXX is a collection agency. The original debt was with XXXX XXXX, which provided home security systems for homes. They are no longer in business The debt was turned over to XXXX XXXX XXXX for collections on XX/XX/XXXX. Purchased first house in XX/XX/XXXX and have never had a home security system. I never received any information or communication from either XXXX XXXX Solutions or from XXXX XXXX. I have always maintained an excellent credit score, between 750 and 800, am retired and currently have no debt except for a balance on my mortgage. Would like to get this removed from Trans Union. Please review and advise.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Mortgage

I resubmitted my application on XXXX XXXX, 2015 to have my loan reviewed for a modification. I have been trying to reach my assigned representative XXXX XXXX and have not been able to reach her. I received a letter on XXXX XXXX, stating my request was closed due to missing document. Until then, I had not been advised that there were documents needed to complete my request. I would of sent them in had I just been informed.
Product: Credit reporting or other personal consumer reports

My information was bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data and XXXX has done nothing to help protect me either. I want all address and variations on names that are not on the attached documents of proof as well as any and all hard inquires. Please see attached
Product: Debt collection

I recently reviewed my credit report and noticed I have fraudulent accounts on my credit report. Please remove these items they're hurting my ability to obtain credit. I do not have a contract with any collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progress is reporting inaccurate late payments on my account. This debt was paid back in XXXX of 2020 and they are reporting late payments on XX/XX/2020 & XX/XX/2020. This is erroneous! These lates need to be removed off my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX {$3000.00} XXXX XXXXXXXX XXXX {$380.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$150.00} XXXX XXXX {$240.00} In accordance with the Fair Credit Reporting Act. The list of accounts has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602A. States I have right to privacy 15 U.S.C 1681 Section 604A Section2 : 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 other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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

My mortgage company is not reporting my mortgage to the credit reporting agencies for the last 2 years
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT NAMES : XXXX XXXX, XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX XXXX NJ XXXX FOR THE ACCOUNTS I HAVE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX is inaccurately reporting data on my credit report that does not belong to me. I am a victim of identity thief and these companies has been advised with a copy of the ftc report along with a police report. 

XXXX XXXX XXXX shows a past due balance of XXXX XXXX shows a past due balance of XXXX XXXX XXXX   XXXX shows a balance of XXXX  Per FCRA accounts that has been charged off should not report with a past due balance. This is inaccurate reporting
Product: Credit card or prepaid card

Someone opened up a credit card using my name and social security number with FNB OMAHA as the lender. I called FNB OMAHA and got the card canceled.
Product: Debt collection

I am not really sure who to complain about. I was delinquent on XXXX XXXX XXXX cards. On XXXX/XXXX/2014, I came to a settlement, in court, with a law firm XXXX, XXXX, XXXX XXXX. This law frim claimed that they were representing XXXX XXXX, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from Portfolio Recovery Associates, attempting to collect. I looked at my credit report and saw that both XXXX XXXX AND Portfolio Recovery were listed as companys that I owed. When I contacted XXXX XXXX, they told me that they sold my debt to Portfolio Recovery. Why am I paying XXXX, XXXX, XXXX XXXX? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented XXXX XXXX? If so, this is fraud.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate ;, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Caine Weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked upon my credit report and discovered these accounts that need to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020, I received a letter from XXXX XXXX XXXX and XXXX XXXX XXXX stating a quote from an agent for an insurance policy. I did not provide permission to pull my frozen credit report and Alexis Nexis lifted my credit report without asking to temporarily lift the freeze. Secondly, I did give any agent to go outside of my insurance to get quotes. I specifically stated to stay in their agency. I did not receive a call from XXXX XXXX XXXX and XXXX XXXX XXXX requesting to lift the freeze. Therefore, they should not request any information on me unless I am made aware of it.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

The following agencies Equifax, XXXX XXXX and XXXX has consistently reported my private information in regards to a student loan which was taken in XXXX and has continued to be reported. These agencies do not possess written permission, which is required according to 15 U.S. Code 1681b-Permissible purposes of consumer reports, P.L XXXX ( XXXX XXXX ). 

15 U.S. Code 1681c- Requirements relating to information contained in consumer reports. Originally XXXX was the company reporting to the XXXX agencies above ; and now XXXX has taken their place which is in direct violation of the above laws and The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. XXXX XXXX XXXX ( b ) In attempt to rectify this situation, I have sent many communications informing these agencies of their violations and the harm it has caused and is causing.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries were obtained by XXXX on XXXXXXXX XXXX XXXX, and by XXXX XXXX on XXXX XXXX XXXXXXXX XXXX also obtained an unauthorized inquiry on XXXX. I am filing a police report and need to correct my personal information, which contains multiple incorrect names and addresses that are not mine.
Product: Credit card

wells fargo sent a new card to an address that is not mine and did not request refused to take false address off my account. refused to resolve problem or help me find the person that canceled my card and had a new card sent to them. told me they could not take false address of my account. no help offered status of account. do not know if crook is out running up charges on my account or not .the crook has total control they claim I can do nothing.
Product: Debt collection

RESTITUTIONAND other attempt to collect debt not owed ID THEFT never resolved. USAA rep harrasses with, WE KNOW YOU HAVE MADE PAYMENTS ON YOUR DEBT. 
*** I made payments because USAA LIED TO ME FOR TWO YEARS *** CLAIM8NG USAA PERMANET CREDITS WERE MADE TIMELY THAT DID NOT EXIST. 
Fooling me PRETENDING TEMPORARY CREDITS WERE INCLUDED IN TOTAL CREDITS ** AND THEY ARE NOT TO HAVE 2 CREDITS ONE PURCHASE. Providing a way to create ALL THOSE CREDIT REVERSALS telling Consumer I HAD 2 CREDITS FOR ONE PURCHASE SO USAA TOOK THEIRS BACK. ** ONLY PROBLEM WAS USAA NEVER GAVE THEM TO TAKE BACK ** Yes, USAA YOU POWERED OVER ME MAKING ME PAY YOU. Abuse of Power is  Dangerous Abuse. YOU DESTORYED MY CREDIT YOU STOLE MY SOCIAL SECURITY YOU NEVER MADE GOOD FRAUD REPORTED XX/XX/XXXX - XX/XX/XXXX. AND DEFAMATION RE : XXXX XXXX.