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

XXXX XXXX  -- XXXX {$510.00}. I never opened an account with them. 
XXXX XXXX  -- XXXX {$560.00}. I never opened an account with them. 
XXXX XXXX  -- XXXX {$2800.00}. I never opened an account with them. 
XXXX XXXX XXXX -- XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX -- - {$1600.00} I have disputed these companies on all 3 credit bureau and these company with no results of them being deleted. The company will not provide any information to me these accounts belongs to me. I have never done business with these companies nor have i applied for credit with any one of them. All 3 credit bureau keep the information on my reports saying it was verified and when i ask how they verified the information and for them to send me proof how it was verified they don't provide it to me. I've been going back and forth with the companies and the credit bureau for a few years on these companies. I have been a victim of identity theft and have the alerts on my report. I'm a victim of XXXX XXXX, XXXX, Experian data breach.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX " Cbcinnovis '' conducted two back to back hard credit inquiries on my XXXX  credit reporting account. On that same day, they also submitted a hard credit inquiry on my XXXX account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX XXXX   XXXX XXXX, KS ) on XX/XX/XXXX. Who also conducted a hard inquiry on my XXXX account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Be Concerned : My name is XXXX XXXX XXXX. I have submitted a complaint before, but nothing has happened. First and foremost, this is not a credit repair agency. I am submitting a complaint on my behalf. No one else is doing so. Equifax, XXXX, and XXXX  have allowed an account, that I have never received notification on to be reported to my credit file that is fraudulent. This creditor whom I have never dealt with, has reported a fraudulent account to my report. I have fraud alerts and credit freezes all over my credit. I am not pleased with this and I have reached out to an attorney to sue these bureaus because they continue to allow fraudulent information to reported to my file. The creditors name is XXXX XXXX XXXX for XXXX. I have submitted numerous police reports, affidavits, and the list has gone on. Not to mention the numerous inquiries on my credit that I have repeatedly asked to be removed and they are still reflecting on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear XXXX, XXXX XX/XX/XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to XXXX regarding the following accounts on my credit report : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, Fair Collections and Out- Account Number XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as XXXX has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. 

Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that XXXX delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that XXXX provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. 
I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of XXXX. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that XXXX will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I neither approved this inquiry nor interacted with this lender on the given date.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX  XXXX Account ( Account Number : XXXX ) Dear CFPB, I am filing a complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, Equifax is required to ensure the accuracy of the information in consumer files. The continued reporting of incorrect late payments violates this obligation.

TILA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account indicates a failure to meet this requirement. 
The following 30-day late payments have been inaccurately reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These inaccuracies are causing undue harm to my creditworthiness and financial standing. 
Desired Resolution : Immediate removal of the inaccurate late payment notations. 
Written confirmation of the correction. 
Please consider this letter as my formal dispute. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the CFPB and other relevant authorities. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have reported these hard inquiries to XXXX as fraudulent from these companies and they have not yet been removed. I did not authorize any of the following inquires and I have a police report attached showing that my identity was stolen. Please remove the following inquires from my XXXX credit report : XXXX XXXX XX/XX/2021 XXXX XXXX Service XX/XX/2021 XX/XX/2021 Pentagon XXXX XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting

I see this company called XXXX pulled a hard credit inquiry I only have an XXXX and XXXX credit card. It should n't be on my credit report.
Product: Debt collection

I got a call from Credence Resource Management ( debt collector agency ) a supervisor name XXXX XXXX said i owe XXXX XXXX XXXX {$1000.00} from my address in XXXX XXXX, XXXX XXXX, CA back in XXXX which I dont reside anymore. I left that apartment I believe end of XXXX or beginning of XXXX. I reside now in XXXX, CA since XXXX. XXXX XXXX XXXX account # XXXX was given. I dont owe anything with XXXX XXXX XXXX  and have been a loyal customer, whom pays her bill on time for a long time. The agencys number is XXXX. I just saw right now that I made the same incident report from a different collector company a year ago, an agency named XXXX that I owe the same amount. That agency stopped contacting me. This credence resource is a new agency. I called XXXX XXXX XXXX in regards with this and filed another report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking account with this bank that was closed and brought to a XXXX   balance before it was closed. Theyre reporting it as a charge off on my credit report, not only that but they fraudulently ran my credit without any authorization for any type of loan or extension of credit. I wasnt even living in a state they do business in at the time! I tried to get answers and all I got was the run around from them and no one could seem to answer my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELL I WAS NOTIFIED BY XXXX XXXX THAT MY CREDIT SCORE HAD WENT DOWN BECAUSE OF AN HARD INQUIRY WITH A CONSUMER WHO SUPPOSEDLY RAN MY CREDIT XX/XX/2018 AND THAT IN FACT WASN'T ME AND I HAVE NO KNOWLEDGE OF WHO DISCOVER BANK IS AND ALSO ON XX/XX/2018 XXXX RAN A SECOND CREDIT CHECK WHICH SHOULDN'T HAVE HAPPEN SINCE I ALREADY HAD BEEN APPROVED FOR A VEHICLE THROUGH THEM AND GOT A CAR. SO I NEED THOSE TO BE LOOKED INTO AS FRAUD AND REMOVED FROM MY CREDIT HISTORY AND PROBABLY A FREEZE ON MY ACCOUNT BECAUSE IT'S STARTING TO FEEL LIKE SOMEONE ELSE HAS MY INFORMATION WITHOUT MY KNOWLEDGE.
Product: Mortgage

I opted to receive electronic statements and notifications for my mortgage with Rushmore Servicing.

I happened to go on line to look at my account and realized that my monthly escrow payment had been increased by {$370.00} per month, more than 10 % of my previous mortgage & escrow payment. I was not notified of this change by email or in a written letter.

I called Rushmore Servicing and they said that they don't have to notify me by any other way than sending me my monthly mortgage statement. To be honest, I don't look at the monthly mortgage statements because I assume they will always be the same unless I'm notified otherwise.

Is there nothing in the law that says a mortgage provider does not have to notify a home owner if they are changing their monthly escrow expense?
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called to inquire information and asked for verification. Was told 5 to 10 day have received any thing
Product: Credit reporting or other personal consumer reports

I have consistently tried to resolve the fraudulent, incorrect, and deceptive information on my consumer report, but the problem persists. These entries have severely affected my daily life, resulting in substantial emotional distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I filed complaints in regards to the incorrect info on my credit report since XX/XX/2020. In early XXXX, Experian and XXXX  made the correction. However, in late XXXX when I was about to submit my auto loan application, I discovered that the corrected error came back again on my Experian and XXXX  credit reports. I attempted to dispute it with the credit report agencies directly, I was told that I need to wait for additional 30 days before the next update. The credit report agencies 's response is in bad faith. It has made my life extremely inconvenient during the pandemic.
Product: Student loan

Made pants to XXXX XXXX XXXX co for consolidation to a servicer in the amt of {$47.00} in 2014. Relating to the XXXX 0 plan. I was told that my pymt was going to the dept of ED but yet nothing was applied to my school loan. When questioned, they said the money was ONLY to the servicer as a fee to show my account as being pd for an amt of time.XXXX was the number I called. More like a forbearance pymt, I think. It started in XX/XX/XXXX! Said it was with XXXX. No money was ever applied to my account during that time. Now 13 years after my initial loan of {$12000.00}, I still owe {$9000.00}!!! But have been making regular pymts to attempt to get this resolved! Help!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information about me as of now XX/XX/2023. Which Ive already had those accounts removed from other credit bureaus back in XXXX of 2023, where I did let Experian know in XX/XX/2023, that they are reporting wrong information about me that has already been removed by other credit bureaus back in XX/XX/2023. Yet and still they continue to report this false information about on my reports, even after being notified of the false information and removals. Experians lack of inaccuracy and customer service has hindered my opportunities and pursuit of happiness.
Product: Debt collection

I received a text message today ( XX/XX/21 ) indicating I owe money to someone or a company. The text is from TrueAccord, a debt collector. They did not include an amount or a way to opt out of the text messages. They did include a link in the text that I have not clicked on.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Kickoff Lending notifying them that my identity was stolen when my purse was taken a few years ago, and that the accounts they are reporting to credit bureaus are not mine. Kickoff would not delete these accounts, even though there is an identity theft alert on my credit reports. I am now submitting a valid and accurate police report stating that my purse and identifying information was stolen and accounts opened using my information. I am seeking deletion of the kickoff accounts and my information to be deleted from their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Credit Transaction with your financial institution executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and Equifax. The provisions of 15 USC 6801 ( a ) state it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given XXXX XXXX, consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information I was not informed. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above mentioned Consumer Credit Transaction, without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to non-affiliated third parties ( i.e XXXX, Equifax, and XXXX ). With that said, your company has not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.
Product: Credit card or prepaid card

I have a Discover credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of  XXXX ,   XXXX   or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online the week pf  XXXX   XXXX  to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of Discover and told to contact them at  XXXX , but also told they were closed at   XXXX   cst ( it was  XXXX  cst when I first called Discover  ) . Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called  XXXX   XXXX  - a firm neither my father or I had ever heard of before. I mentioned this name and number to the  Discover  rep and they were n't aware of the cos or if the management of my account has been transferred from  Discover  to  XXXX .     I submitted a complaint to the CFPB ( complaint #  XXXX  ) and requested a cease and desist all calls to me or to my father by  XXXX   XXXX  or any authorized agent of  Discover  UNTIL I get a satisfactory resolution as to the following :  1  ) status of account ;  2  ) access to my account online ;  3  ) explanation why my account was charged off when I had set up an agreed upon payment plan online as requested numerous times by Discover.     I received a response from  XXXX , but never from  Discover  Card. Today  XXXX   XXXX ,   XXXX  , I received in the mail a notice from   XXXX   XXXX   XXXX   that they are representing Discover Card and indicated in that letter that I had requested no further communication from  Discover  Card. As indicated in my complaint  XXXX , I requested no communication until  3  resolutions were satisfied. Obviously,  Discover Card  misinterpreted my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/XXXX This information reporting on my credit profile is inaccurate. Late payment are reporting on this account.This is not true. I request that you verify the information and update the payment history on these accounts as " paid, Never late ''. 

XXXX XXXX XXXX Account number:XXXX Open Date opened XX/XX/XXXX XXXX XXXX Account XXXX Open Date opened : XX/XX/XXXX XXXX XXXX XXXX Account numberXXXX Open Date opened : XX/XX/XXXX XXXX Account number XXXX Date opened : XX/XX/XXXX XXXX XXXX Account number XXXX Open Date opened : XX/XX/XXXX TRANSUNION XXXX XXXX : Account number:XXXX Open Date opened : XX/XX/XXXX XXXX XXXX Account numberXXXX Open Date opened : XX/XX/XXXXXXXX XXXX