23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account was charged off on XXXX on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the status update is XXXX XXXX and the last payment XX/XX/XXXX, XXXXThis account charged off On Equifax on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, The status say charge off and the status update is XXXX XXXX there is no payment history on XXXX and the last status update is XX/XX/XXXX XXXX XXXX it reports XXXX potenially negative months, on Equifax it reports XXXX potentially XXXX months.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX Bank -Account Number XXXX XXXX XXXX a copy of my most recent credit report
Product: Debt collection

I received a collections notice from online information services dated XX/XX/XXXX in relation to a debt they said I owe to dominion energy services in the amount of {$1200.00}. 
Their letter states that the debt was owed as of XX/XX/XXXX. I asked XXXX XXXX XXXX XXXXor debt validation and they never provided it. I also advise the agent I spoke with that I had actually received a check in the mail from XXXX XXXX dated XX/XX/XXXX in the amount of XXXX for overpayment on the account in which they said I owed a balance. The agent laughed and hung up on me. I never heard from them again but they added a collections account to my credit bureau and this is having a negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A states I have rights to privacy and reported information about my credit history that doesn't correlate with all 3 credit bureau.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent.

In accordance with the fair credit reporting act, these account below have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on XXXX   XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

I am listing accounts 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 XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

all of these accounts were obtained fraudulently without my knowledge or consent
Product: Credit reporting or other personal consumer reports

Shellpoint Mortgage Services reported a 60 day late-payment to the three credit reporting agencies ( XXXX, XXXX and XXXX ) for the month of XXXXXXXX XXXX. I was advised numerous times by Shellpoint advisors and supervisors that due to my loan being transferred to Shellpoint on XX/XX/year>, the first payment was due by XX/XX/XXXX ( 60 days from RESPA + 15 days for a grace period for the month of XXXX ). I had brought my account up to date by making three payments for the months of XXXX, XXXX and XXXX on XX/XX/XXXX ( within the time which Shellpoint representatives had told me ). One Shellpoint representative had specifically stated this on a call dated XX/XX/year>. 

My account was paid in full within that time period and I am requesting the reported late payment to be removed due to the guidance of Shellpoint representatives. 

This is incredibly urgent as I am refinancing my loan this week and am unable to move forward until this is resolved.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : XXXX Opened XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX Opened XXXX XXXX XXXX. Reliable Aut Opened XX/XX/year> XXXX Opened XXXX XXXX XXXX Opened XXXX XXXX.
Product: Credit reporting or other personal consumer reports

" I have been requesting proof of validation of the debt from Experian and the debt collector for several months now, yet they continue to label it as 'verified ' without providing any substantiating evidence. Despite reaching out to an Experian Executive via email, my requests have been ignored. I want both parties to be held accountable and compensated according to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for their noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft on XX/XX/2021 I have submitted my Federal Trade Commission report to all three major Bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a victim of Identity Theft due to the EQUIFAX XXXX BREACH. As a result, this caused a lot of XXXX  to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 


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

Experian is in clear violation of FCRA. This is my XXXX and final demand for deletion. If Experian is unable to successfully resolve this matter, then I intend to file suit in accordance with federal FCRA violations. On XX/XX/2023, a binding release was executed by myself and the other party in the matter. The other party notified Experian that the alleged account was null and void. They also requested deletion from my report. 

I allowed 60 days to pass... Still no deletion. On XX/XX/2023, a subsequent request for deletion was submitted to Experian by the Creditor. The submitted request, again, indicates that there was a reporting error by the creditor and that the account should not appear on my report. 

This has taken over a year to try and resolve. 

Violations include : -Continued negligence and non-compliance in regards to Sections 616 & 617.

-Code 1681 ( a ) ( 4 ).

-Section 611 ( 5 ) ( A ) - Failure to delete information that Experian can not /did not verify.

-Experian 's failure to provide true and correct Validation Documents regarding how the validation was obtained.

-Experian 's failure to provide the name of the individual at Experian who verified the accuracy of the account. 

I'm demanding that all accounts listed in the attached correspondence be immediately deleted from my Experian credit file.
Product: Credit reporting or other personal consumer reports

I am reporting Spring Oaks Capital as well as XXXX XXXX for their irresponsible, as well as illegal practices to which they have been in cahoots working together to push a fraudulent debt on me that I do not own or owe to either companies. I had a previous loan with XXXX XXXX to which I paid off completely both times and fulfilled my credit obligations to XXXX XXXX as I should have, but now as I checked my XXXX and XXXX reports I saw this fraudulent tradeline from Spring Oaks Capital on there and had to do research to find out why they were even on my credit. I found out they were collecting for XXXX XXXX which is ridiculous because I dont owe them anything. Truthfully speaking I have been incarcerated since XXXXXXXX XXXX XXXX so there is NO WAY POSSIBLE I could have opened another loan with XXXX XXXX which shows that this whole situation is fraudulent. My legal representation is commencing with legal proceedings as well to bring proceedings if this situation isnt rectified immediately! I want Spring Oaks Capital LLC to remove their fraudulent tradeline off of my credit reports ( XXXX, XXXX, XXXX ) and return this fraudulent debt back to World finance. I have proof I was in jail, so there is no way I owe anything to World Finance.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX {$420.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In an effort to acquire a home loan, I was attempting to pay off all collection accounts on my credit report. I contacted Columbia/Genesis Recovery to make an honest effort to pay this off. I told " XXXX '' that I was very willing to pay this debt and wanted to pay them {$200.00} to {$300.00} per month. 
He told me he could take some of the interest off but he needed the balance in full today. 
I also asked him if I paid the payments would it show on my credit report that I am making timely payments, he said it wouldn't show on my credit report until it was paid in full. 
He again refused to take my payments. 
Today I received a call from a " document delivery '' service from the same phone #, this was obviously an attempt to serve me papers for this account. I am at a loss as to what I can do and feel that it is unfair and unethical for them not to take my payments when offered.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my credit report is reflecting late payments on two accounts from America Express. These items are inaccurate because one account is paid in full, and the other account is in good standing. See enclosed documentation. 
AMERICAN EXPRESS : # XXXX ( account is current ) AMERICAN EXPRESS : # XXXX ( paid in full ) I notified the business on XX/XX/2018, requesting the removal of erroneous information from all three credit bureaus. Additionally, I asked for a written statement of their verification process. I received neither.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and distress over the prolonged failure to remove fraudulent, inaccurate, and misleading information from my consumer credit reports. Despite my numerous disputes and supporting documentation proving I am a victim of identity theft, these harmful items incredibly remain. 

The presence of this fraudulent information is extremely distressing and has caused me significant XXXX, impacting my creditworthiness and financial well-being. I did not authorize or consent to any of the accounts or information infiltrating my credit reports. As the victim here, I should not have to endure this unlawful situation any longer. 

I must inform you that I am now pursuing legal action against your organization for violating the Fair Credit Reporting Act by allowing verified inaccurate information to remain on my credit reports. This is unlawful and unacceptable.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I went into XXXX XXXX of XXXX to see about the possibility of purchasing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also stating that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home, I seen that there are seven other banks on my XXXX  account that says I applied for credit with them. So I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX discloses to me. I was not told of any other bank my word of mouth nor by paperwork. I find that what XXXX XXXX did was deceitful into doing one thing, that is to demolish my credit report with numerous bank loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labeled XXXX XXXX it shows that that XXXX XXXX statements does not show he was checking another bank. Also when I went into the financial office XXXX XXXX had everything ready for me. Which means he made eight bank loan offers on his own without my permission while I was waiting in the lobby to call me in
Product: Payday loan, title loan, or personal loan

i applied for a loan XX/XX/2023 for {$300.00} to pay for an XXXX ring i returned the ring and cancelled the loan less than 30 days from start date. Affirm was credited by XXXX for the cost of the ring however they have added {$17.00} cents to the amount snd are telling me my payment is past due i dont owe Affirm ANYTHING i want them to stop sending me emails about the {$17.00} extra charge its NOT interest i called Affirm but they wouldnt tell me what its for just said you owe it
Product: Consumer Loan

Trying to get in touch with Big picture loans to get my loan number, so I can change the status with my bank, and ca n't get it. it is not on any paperwork nor can I get through when i try to call. This keeps causing my account to go negitive. Also there was added verbage to my loan paperwork that I did n't see until I reviewed before submitting my claim.
Product: Student loan

I am writing this for my sister in hopes that we can finally get some resolution to an ongoing matter.     My sister and my family have been having nothing but trouble with the lende r, Navient. They are EXTREMELY malicious and will NOT stop calling. They call ~8 times  per day and we have told them  REPEATEDLY that my sister suffered a MAJOR health ailment last year where she almost passed away. She is NOT currently working full-time because of this ailment and is still on a VERY long road to recovery. After lodging multiple complaints with the lender and a complaint with the BBB, we were promised paperwork for her and the doctor to fill out describing the severity of this ailment, but this paperwork never showed up after almost 3 weeks. We also know that there are MULTIPLE lawsuits against Navient about their p ractices and giving false information about individuals loans which led to credit issues with these individuals. NOW they are threatening to report what is going on to the credit bureaus. THIS IS NOT ACCEPTABLE and we need something done about them.
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. 

These Inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : 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 I was younger I unfourtuantely was not very protective of my personal information. During the summer of 2014 I left of a trip accross the country to which i had lost all my belongings at airport coming back. Ever since I had had numerous causes of fraud and identtity theft regarding to my name. I recently checked my credit report and was appaled at what I saw. These are the Fraudulent And Opened Account that were not authorized by me nor of my awareness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are also XXXX Inquiries that showed up recently on my report without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are just some of the items
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX XXXX XXXX Card by Chase on XX/XX/XXXX, and was approved with a {$22000.00} credit limit. On XX/XX/XXXX, before I even had a chance to use the card, Chase closed the account. I received a letter in the mail stating, " After careful consideration, we closed your credit card account on XX/XX/XXXX, because our affiliate is ending its banking relationship with you. '' I called the phone number on the letter ( XXXX ) on XX/XX/XXXX, and the representative told me that all she can see is that another of my Chase accounts was closed. However, I do not have any other Chase accounts, except for a mortgage, which Chase bought in XX/XX/XXXX ( and is still active ). The representative said there is nothing more she can do, and that I am welcome to mail a letter or send a fax to their executive office. 

I suspect this account closure may be due to fraudulent activity. On XX/XX/XXXX, someone had fraudulently applied for a Chase credit card in my name. I reported this to Chase at the time, and the Chase representative informed me that the account was closed.
Product: Credit reporting or other personal consumer reports

I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : XXXX XXXX XXXX # XXXX Please delete the above accounts they are not accurate and unverified XXXX FCRA violation