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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im  XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for their refusal to remove fraudulent accounts from my credit report, despite multiple attempts to resolve this matter. 
I am a victim of identity theft and XXXX XXXX, which has resulted in several unauthorized accounts being opened in my name. Specifically, there are four fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are still listed on my credit report. 
Experian is in clear violation of Section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act Despite providing Experian with all necessary documentation and repeatedly requesting the removal of these accounts, they have failed to take any action. This inaction is severely impacting my financial stability and causing undue stress. I would like your help in making sure that Experian meets its legal obligations and removes these fraudulent accounts from my credit report as soon as possible. 
Thank you for taking a look at this urgent matter. 

Enclosed are : A copy of my Police report, Identity Theft Report, proof of my identity, and address. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$5500.00} - Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation # :XXXX Equifax has my credit file mixed with other individuals, and I have contacted them multiple times by phone, and certified letter to make them aware of this and they refuse to act. It has been more than 30 days since I made Equifax aware that my credit file was mixed with someone else 's and it remains mixed, and this mere fact is one of the many violations that Equifax continues to commit against me. There is also incorrect personal information on my credit report that I have made Equifax aware of and they refuse to remove it. I have proved Equifax a copy of all of my relevant information many times so they could correct this information. Equifax has also reinserted many items into my credit report that were previously deleted, and then they went back and improperly reinserted. I have made Equifax aware of the improper reinsertions, and they have refused to correct the improper illegal reinsertion. I have provided Equifax proof of their improper reinsertions and they have refused to act. To sum it up Equifax has taken the position that they do n't have to do anything to correct any of the issues on my credit file and they continue to defame my character by reporting incorrect/fraudulent information over the past year, and they are in violation of the law.
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The accounts that were previously deleted and reinserted are the following : XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These accounts were previously deleted after investigation and then reinserted without the required notification to the consumer. Equifax flat out ignores me when I try to bring this to their attention.
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The accounts that are on my credit file that are listed under someone else 's name and social security number are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX None of these accounts are mine and I have told Equifax many times that they had my file mixed with someone else 's and more than 30 days have passed, and nothing has happened my file continues to be mixed with someone else 's, and this is illegal and a defamation of character.
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The following personal information is incorrect on my credit file, and Equifax refuses to correct it and ignores my certified letters, and phone calls to them : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( fraudulent address ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, S.C. XXXX ( Fraudulent Address ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Fraudulent Address ), XXXX XXXX XXXX XXXX XXXX XXXX, S.C. XXXX ( Fraudulent Address ) Social Security Variation : XXXX ( fraudulent ) Social Security Variation : XXXX ( fraudulent ) Social Security Variation : XXXX ( Fraudulent ) Social Security Variation : XXXX ( Fraudulent ) Also the name XXXX XXXX appears on my credit file and I have no idea who that is or why it is on my credit file.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$24000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Re : Old Debt Item Dear Sir or Madam : I am writing to request the information that your company provided to national credit reporting agencies be removed from my credit report. According to the XXXX credit bureau, this account was charged off on XXXX XXXX XXXX in the amount of {$3500.00}. The initial delinquency dates back several years ago during my XXXX studies. This account became delinquent because of financial hardship that I experienced in the past. In the years past, I have begun to rebuild my credit and established a good payment history with my current creditors. As a show of goodwill, I kindly request that XXXX remove this item from my credit history. Please contact the national credit reporting companies to which you provided this information and have these agencies delete the stated collections item, as soon as possible. Thank you for your time.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer under the FCRA, I hereby exercise my right to opt out of any and all authorizations, whether provided in written, unwritten, verbal, or non-verbal form. I may have given written, unwritten, verbal, or non-verbal consent at some point and am now revoking consent. The commencement date of the account is XXXX. This action is taken in accordance with the following statutes : - 15 U.S. Code 6805 - Enforcement - 15 U.S. Code 6801 - Protection of nonpublic personal information - 15 U.S. Code 1666e - Notification of credit issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-2- Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information - 15 U.S. Code 6803 - Disclosure of institution privacy policy - 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Policy Act of 1974. 

Thank you for your attention to this matter.
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 USC 1681. 

XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, and Regional Acceptance 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 602 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, any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting 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

these items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX both Equifax and XXXX dropped my score by 90 points. My utilization is around 25 %, it is usually lower, but we booked a trip to XXXX. Normally around 22 %. All my bills were paid on time, except one late payment because we were in XXXX for a small amount. It was promptly paid on our return. I feel their action on a XXXX XXXX drop was excessive. I always had good credit, never defaulted on anything and paid my bills on time. In all the years my history shows on time and in good standing. I would like them to explain to me their reasoning. 

Thanks, XXXX XXXX XXXX
Product: Credit reporting

Experian fail to delete negative wrong personal information on my report. Also, dispute results states that wrong residence has been deleted but every wrong address is still showing on my report results.
Product: Debt collection

My subscription to the XXXX XXXX expired. They continued to deliver newspapers. I did not ask for or want them. I tried to cancel a few times. Finally my wife got through and the subscription was cancelled. They tried to collect for the amount ( above the market / subscription rate ) for what THEY decided I owed. For papers AFTER my subscription ended. I did not pasy the bill as I did not and do not feel it is a valid debt. Then they sent it to a collection agent. I relented and paid the ~ {$75.00} that I DID NOT OWE. I want a refund and any negative credit impact expunged. I will also be filing a complaint with the the local DA and the state Attorney General. This is an unmitigated extortion machine.
Product: Credit reporting or other personal consumer reports

I disputed multiple unauthorized hard inquiries on my credit report conducted by lenders associated with the following dealerships XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to these dealerships, the inquiries were also pulled by their associated lenders, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I initially contacted the dealerships and spoke to the sales representatives listed above. They denied releasing my personal information, with some stating they were unaware their companies would use my information without consent. Others advised me to contact the credit bureaus. I filed disputes with Experian, XXXX, and XXXX, on XX/XX/XXXX but they informed me that they could not investigate the matter and directed me to contact the individual lenders. Upon reaching out to the lenders, I was told I had no accounts with them and they could not assist me. I was redirected back to the credit bureaus, who ultimately advised me to file a complaint with the CFPB. 

I am requesting a proper investigation into these unauthorized hard inquiries and their immediate removal. If authorization is claimed, please provide proof of my signed consent and details of the permissible purpose under the Fair Credit Reporting Act ( FCRA Kindly confirm the resolution in writing.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, Pandemic Assistance of the State of Nevada claims a lump sum payment in the amount of {$6700.00} was made to my checking account with Bank of America. This was done under their transaction # XXXX. Bank of America claims they never received and that I need to contact PUA in Nevada to trace these funds. PUA tells me these funds were transferred and that I need to have Bank of America trace these funds, cancel the transaction and return these funds for reissuance. have been trying to rectify this situation for several months now with either side willing to budge. Mean while my funds are lost in limbo with no one willing to even investigate. I'm a  XXXXyo vet with a XXXX and could really use some assistance ...
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 XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

i went to the dealership and they said they will only have XXXX pull my credit but they had XXXX XXXX do XXXX nXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has closed the account on their end and is discontinuing any further pursuance due to possible HIPPA violations. As neither Transunion nor XXXX  can produce a medical release signed by me the accounts need to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I consolidated my old Dept of Ed student loans with XXXX. I am paying XXXX, however the old student loans are still reporting on my account as open and showing late payments. They are reporting inaccurate information monthly. Ive written to the credit reporting agencies to have them removed, but nothing has happened yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian refuses to look at documention did not own the car as of XXXX have sent all documents all they have done is make it worse car was returned XXXX i am not the owner -- how am i responsible for taxes on a car i did not have -- i leased a new car on XXXX and paid the excise tax on that car for XXXX  cant people at experian see that on the documents -- and fix my credit asap -- please look at documents someone do there job LOOK AT DOCS -- dealer return vehcile receipt -- new lease agreement -- bill of sale -- I DID NOY HAVE THE CAR IN XXXX  -- READ DOCS i have had almost perfect credit for ever now it is all messed up and experian is at fault documents PROVE IT
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. Regardless of the multiple written requests, the unverified Inquiries listed below are still reporting on my credit report in violation of federal law. The 3Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan

Today I received a bill in the US mail from PayPal Credit for {$120.00}. The following events happened between XXXX and XXXX today. 
XXXX representatives from PayPal confirmed that my Social Security Number, Date of Birth and order of my first and last name did not match their records. 
The first representative verified me with the account number, balance and last charges. This took XXXX minutes to get to this point. That representative confirmed that the charge was from {$25.00} charge for a service I intended to pay on my credit card. PayPal opened and billed a line of credit for instead of using the credit card I had registered on the account. I had to hold for an unspecified period to be connected with some XXXX in PayPal collections, as apparently the phone number on their written bill is different than the XXXX they use for collections. I had to go to an appointment, so I could not hold. 
I called back and had the same issues with verification. I was put through to the collections department, who was willing to accept payment on the account, but no handle my dispute of the fees ( XXXX times the principal ), because they could not verify my identity. 
They even took my credit card number. A less sophisticated consumer may have given up and paid the bill to clean up their credit and avoid the hassle. 
I asked for supervisor XXXX times. The representative continued to explain why a supervisor could not help me. I then had to resort to shouting down the representative on the hope that either he would hangup or get me to the supervisor. 
The supervisor took the payment and credited the account. He waived the fees. It was interesting that he was able to verify me with the date of birth no one else, including XXXX tries on the automated system could verify. 
How can can a company open an account with a wrong social security number, phone number, possible date of birth and email address? 
How can you charge some XXXX fees on such a loan when that entity lacks sufficient information to identify the person they are loaning money to. How can you be willing to accept payment on an account, but then not properly service the account? The supervisor did not seem concerned with this, which indicates the corporation condones this conduct. 
He, however, was concerned that I had to shout down the rep the speak with the supervisor. 
That being said I felt treated unfairly and harassed by the whole process. The need to shout and argue my way to a supervisor. 
They only use first names. The XXXX representative and the supervisor, both identified themselves with the same first name. The other first names were generic. If this was a litigated matter PayPal could use my inability to properly identify the exact staff members as a weakness in my claim. 
To the best of my recollection only the supervisor advised me that this was an attempt to collect by a debt collector and that any information discussed would be used for that purpose.