23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

-these inquiries are not results on any actions on my part and are fraudulent
Product: Mortgage

oCWEN LOAN SERVICER IS REPORTING ON MY CREDIT REPORTS TWICE. aS THOUGH I HAVE XXXX ACCOUNTS WITH THEM. XXXX XXXX IS DEFUNCT NOW AND LOAN HAS BEEN SOLD TO XXXX WITH OCWEN BEING THE SERVICER. I CONTACTED CREDIT BUREUA AND OCWEN FOR RELIEF HOWEVER NOTHING HAS BEEN DONE. THIS IS AFFECTING MY CREDIT AND DEBT TO INCOME RATIO.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect and innacurate personal information in my credit report. There are names and addresses that are not mine in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted more than one complaint. I have disputed many accounts and provided documentation from creditors for paid accounts. XXXX has more than once refused to fix and update my credit. They have now reported delinquent on several accounts that have been paid.
Product: Credit card or prepaid card

I XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, returning XX/XX/XXXX, and XXXX in XX/XX/XXXX. I applied for my SCRA benefits with USAA each time. The company did not apply the required 6 % interest rate to my account. They have not back dated the error sin XX/XX/XXXX. 

I have been charged XXXX in excessive interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX 11 XXXX   XXXX ) 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: Debt collection

In XXXX of XXXX I received a phone call from XXXX XXXX and they told me that I had a debt owed to them. I informed him that I had now moved from XXXX  to XXXX and didn't have any knowledge of the debt. I then paid {$52.00} and was told that it would resolve the debt. I received no additional communication in regards to this debt until I reached out to them due to doing an inquiry of my credit score in XXXX due to looking for a home for my children to move to XXXX with me. It was only then that I noticed that XXXX XXXX XXXX had put a {$100.00} collections on my credit report. I initiated a call to them and they informed me that this was a debt that I owed to XXXX XXXX. I disputed the claim and patiently waited for the outcome knowing that this was taken care of in XXXX of XXXX. Needless to say they didn't contact me with the result and I was only made aware that the dispute was declined by calling them. So from XXXX of XXXX to XXXX of XXXX not one form of communication and when we finally speak it was already placed on my credit report. I feel that this is unfair as if they had communicated to me via phone or the by mail to my new address in XXXX it would have never got to this point. Impacting a persons credit in the middle of the Covid Pandemic with no communication to the individual has had a life changing impact on my ability to secure the things I need to make my children 's and my life better. {$100.00} = 40 point impact on my credit score with no communication is simply not fair nor business like. Simply careless on their part.
Product: Consumer Loan

On XXXX XXXX XXXX, XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX used car department of XXXX, Tx. This was a voluntary owner surrender of motor vehicleto lien holder Chase Financial Services Inc. where vehicle was originally purchased XXXX XXXX XXXX. As owner of XXXX XXXX I could no longer afford the monthly payments of {$490.00} per month, since retiring XXXX XXXX, and now currently drawing Social Security. Since returning vehicle to dealership, I have received numerous calls from Chase Financialservices in their unorthodox attempt at renegotiating another contract on the same vehiclefor which is totally unaffordable according to the in-house financing requirements they would have consumer expected to pay. On XXXX XXXX I received a phone call fromChase Financial Services again about XXXX yet this call was threatening and belligerent in nature from a manager within that organization. Under his terms if I did n't accept taking the XXXX back I would be subject to having my XXXX wages garnished by their dealership. I can consider this harassment and unethical practice towards consumer who no longer wants and can not afford dealing with Chase Financial Services Inc. especially after such a belligerent conversation from their management staff. As a XXXX XXXX Worth consumer and a XXXX Veteran I will certainly never do business again with Chase Financial Services. The rates for their used vehicles are tremendously over blown for any market financing, and unethical staffing does n't help theirrating in the community of XXXX.
Product: Credit reporting or other personal consumer reports

I have Twenty one unauthorized inquiries on my report without my permission /Knowledge. Hard inquiries that were pulled without your request can be removed from your credit report under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is vry incorrect. XXXX XXXX XXXX {$2100.00} XXXX XXXX   XXXX {$200.00} XXXX  XXXX {$2800.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$100.00} XXXX XXXX {$2200.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$85.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a fraudulent account on my credit, XXXX is the original creditor from XXXX XXXX XXXX. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is multiple business credit card inquiries on my credit report. 

I only applied for a XXXX XXXX XXXX XXXX on XX/XX/2020 and now there is inquires from other Banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been unable to get my Experian credit report in order to purchase a home in state I have moved for a job opportunity. This issue has been going on for XXXX  months. When I call customer service I get hung up on numerous times. I feel that I can not use my VA benefits because of Experian '' s inability to help resolve this matter.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from mycredit report. I received a copy of my credit report and became aware of inquiries I did notauthorize. They 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a letter regarding inaccurate items on my credit report. 45 days later I have not received a response. I am extremely frustrated and feel ignored and dismissed. Section 611 ( a ) states that a failure to investigate these items within 30 days is a reason to immediately remove these items from my credit report. It has been 45 days. These items should be deleted. I demand that these items be deleted or I will file for litigation. I am a victim of the Equifax data breach and I am doing everything that I can to have inaccurate information removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts paid of or that are well past being closed that I would like cleared off my credit report.
Product: Credit reporting or other personal consumer reports

I closed a collection account that was a charge off from this company. I disputed the information with XXXX XXXX, and the company still came back and reported that it was still a profit and loss charge off. I have the closure letter that says that its paid in full and theyre still reporting it as a charge off and I want it changed or deleted one of the two
Product: Credit reporting, credit repair services, or other personal consumer reports

Todays date is : XX/XX/XXXX Regarding Account : CERTIFIED MAIL RETURN RECEIPT REQUESTED Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the above account with your company. This has damaged my XXXX XXXX and is extremely troubling. 


Account Name : Account Number : Charge : Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sure you are aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. 

You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion. 
Also, make sure late fees are accessed properly. 
In this regard, I hereby request the following steps to remedy this situation. 

To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account.

Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company.

Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date.

If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, XXXX and XXXX, and any others. 

If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. 

XXXX thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

XXXX called from XXXX First Point Credit Collection and stated i owed over {$400.00} to XXXX XXXX XXXX  For a XXXX  XXXX  i have not had. She said it was for invoice XXXX on XX/XX/2018. 

I find scammer information about this that is very similar. 

I contacted First Point credit and they have no record of debt. They are receiving numerous calls about similar issues. Also XXXX XXXX XXXX is out of business.
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. 
ACCOUNT Name : XXXX XXXX ACCOUNT NUMBER XXXX Account name : XXXX XXXX XXXX, Account number : # XXXX name : XXXX XXXX XXXX XXXX, Account NUMBER : # 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

on XXXX/2017 this company published a derogatory mark on all 3 of my credit reports, I have never heard of this company, or, received anything from this company, it just appeared on all 3 of my reports. I do not have a/nor have I ever, had a contract with this compay, or, gave permission to this company to access my information, or, post anything on my credit report. I want proof of my wet siganture and me giving permission to this company accessing my information.
Product: Debt collection

I was laid off during XX/XX/XXXX and during the COVID-19 outbreak I fell behind payments and CitiCard which is Citibank charged off my secured credit card without giving me a chance or assisting me without any payment plan. 

One I began working on a contract, I contacted the debt collector hired by Citicard XXXX XXXX XXXX ) on XX/XX/XXXX and setup a bi-weekly payment plan of $ XXXX.Payments started on XX/XX/XXXX and bi-weekly payments continued until XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX XXXX who was the debt collector for CitiCard and ask for an settlement, they agreed on $ XXXXand I aid with my debit card which immediately was withdrawn from my account. 

XXXX XXXX explained within 48 hours of the payment that they would notify Citibank of the payment that the account was settled. I then disputed my account with XXXX and uploaded the settlement letter and the payments. On XX/XX/XXXX Citibank updated my XXXX account stating that I the balance is now {$1500.00} and no payments were made on my account. 

Citibank is falsely reporting to the credit bureaus instead of reporting the account was settled and most of all that bi-weekly payments were being made on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give Experian DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). They have allowed company 's to conduct inquires and monthly evaluations without my written consent. This is against the federal law and result in adverse actions pursuant to 15 usc1681m.
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 - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00}
Product: Credit card

Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX CFO located at : XXXX XXXX XXXX  XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. 

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 2nd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX CFO located at : XXXX XXXX  XXXX  XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice. 

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 3rd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX CFO located at : XXXX XXXX  XXXX  XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. 

USPS Registered Mail Tracking # XXXX ( delivered on XX/XX/2023 )
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below is reported inaccurate on my Equifax consumer report. 
As mandated in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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. 
( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Conn 's has repeatedly Breach my Privacy by sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and XXXX XXXX. I 've sent certified mail and signed for on 3 separate occasions dating XX/XX/XXXX, XX/XX/XXXX, and most recent XX/XX/XXXX sent a Breach of Privacy Notice to Conn 's. I 've sent Conn 's these letters opting out of these sharing practices and yet I still receive calls and letters from this company called XXXX XXXX. I 've included an attached these documents. I did finally received a response from their lawyer stating they have a right to do so. I 've attached their letter also. Conn 's has yet to respond to sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and XXXX XXXX. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that.
Product: Debt collection

Re National Enterprise Systems Account XXXX On XX/XX/XXXX I called National Enterprise Systems collection company at ( XXXX ) XXXX. I explained to the agent ( XXXX XXXX ) that I received a demand notice from them in the mail a few days prior, stating that I owed them {$42000.00} ( On behalf of XXXX XXXX XXXX ) I explained to the agent that I have dealt with two prior collection agencies over the past 12 years and both were able to verify that I have never signed a contract with XXXX XXXX XXXX. Without explanation I was put on hold and transferred to a woman named XXXX ( Her direct number is XXXX XXXX XXXX ext XXXX ) XXXX informed me that the collection account was sent to National Enterprise Systems by a company called XXXX XXXX XXXX. XXXX promised me that she would request document verification ( promissory note ) and send that to my email at XXXX. 
I had recently applied for a loan and reviewed my credit report today. My credit report shows a collection account that was filed by National Enterprise Systems on XX/XX/2019. This collection was reported to the Credit Bureau before the demand latter was even sent to me by National Enterprise Systems and they have made no attempt to provide me with documents, remove the collection from my credit or show that the collection is in dispute. 
My phone conversation was knowingly recorder by the collection agency. I also have a recording of the conversation.