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

XX/XX/XXXX I sent a dispute letter to all three bureaus ( XXXX, Equifax, and XXXX. XXXX My XXXX XXXXXXXX and two collection accounts from XXXX XXXX are hindering me from the home-buying process and they are not being reported accurately. I have tried to communicate with the bureaus, and the Creditors to no avail. They each send me from one of them to the next and I've been involved in a countless cycle of this is not our doing, contact the other to resolve. No one has been able to verify these accounts as accurate, and yet they have not been deleted off of my credit report. 

Attached is photo proof from my credit report that XXXX XXXX is inaccurately reporting my account. An account that I have paid on time, every single month since XXXX. I have had perfect payment history on all of my accounts for years- and somehow it is reporting I was on time all three years up to XX/XX/XXXX, and then magically in XX/XX/XXXX I'm suddenly 90 days late. This is literally impossible and reporting wrong. I immediately requested that this entire account be removed from my credit report and have received no response. 


Attached also below is proof that two XXXX collections are inaccurately being reported as well I called in to the collection company and they told me they no longer have my collection and they had sent it back to spectrum and I was to reach out to them for further assistance. When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist. I was told to go to the physical store for help and they told me it was outside their jurisdiction and it's best to contact customer service again. I did and again they were unable to find said account!! I also have sent dispute of this account and failed to receive request verification of this account! 

The other account has been disputed as well and again it's not reporting correctly, and it's failed to be verified as mine but it is still on my credit report.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 or other personal consumer reports

XX/XX/year> I disputed one collection account and one charge off account stating someone used my identity to purchase items and obtain a personal loan and a credit card. As a result these items were removed from my consumer report and recently placed back on there without properly notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of looking into buying a new home and was discouraged to find out that my credit has dropped immensely which is hindering my ability to close on my home. I am writing this due to non compliance with XXXX, XXXX, and TransUnion. They have failed to remove information that was affiliated with personal details that were INACCURATE and challenged in the past. I strongly believe that they are in violation of the FCRA ( Fair Credit Reporting Act ) and are outright refusing to to uphold the law.
Product: Student loan

I took a loan out for XXXX in 2010. My loan has more then doubled in 10 years. It has been hard for me to make payments when every month it keeps going up higher. I feel like I ha e been taken advantage of.
Product: Mortgage

In XX/XX/XXXX2019 my mortgage was sold to New Rez LLC.XXXX  XXXX XXXX. XXXX   XXXX  XXXX  XXXX, PA XXXX. www.newrez.com. We had no issues for the first few months until XXXX  2019. They kept telling us our payments were stopped because XXXX  XXXX told them we had insufficient funds (NSF Fee Assessment). When we called XXXX  XXXX  to see what the issue was (we had the money in the account) they have NO record of New Rez attempting to take payment. Also, New Rez charges us $XXXX per NSF payment because they say that is what XXXX   charges them. Everyone I have spoken to at XXXX  says no that is not true. So if New Rez has millions of clients (as they say) and they are charging them all these fake fees then they are making millions by committing fraud. When I call New Rez and ask them to send me PROOF that they are charging my account they tell me to email XXXX. Why would I email someone my bank account AND routing number? What type of lender asks you to do that? Also, is the company New Rez or Shell Point? This company is SO unprofessional. They are committing fraud by charging me fake fines and my only option is to refinance my home. That is the epitome of a scam. When you XXXX  their company there are hundreds of people with the same exact problem! They should not be in business, this is NOT right.
Product: Student loan

I have contacted multiple times about my loan amount being inaccurate. I have screenshots of both Ed financial website and XXXX XXXX stating my loan balance is XXXX. After the amount was XXXX for over a month somehow a balance was put back on my account. I paid on XX/XX/23, {$890.00} and XX/XX/23 {$890.00}. On XX/XX/23 {$43000.00} was paid off. The total balance is XXXX, yet now the number has changed and it does not make sense how you are adding to everything already paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of several items on my credit report. The following accounts have been reported inaccurately : XXXX XXXX : The account has been reported as late payment, but I have no record of any late payment. I have always made my payments on time. 

XXXXXXXX XXXX XXXXXXXX XXXX : The account has been reported as a charge off, but I have never received any notification of this. I believe this may be an error. 

XXXXXXXX XXXX XXXXXXXX : The account has been reported as a charge off, but I have been making regular payments on this account. I believe this may be a mistake. 

XXXX XXXX and XXXX : These accounts have been reported as charge offs, but I have no record of any missed payments. I have always paid my bills on time. 

XXXX XXXX  XXXX, XXXX. XXXX : This account has also been reported as a charge off, but I have not received any notice of this. I believe this may be an error. 

I request that you investigate these items and correct any errors on my credit report. I have enclosed a copy of my credit report highlighting the items in question. Please contact me with any updates or information regarding the status of my dispute. 

Thank you for your prompt attention to this matter. 

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

I did not open these accounts I HAVE A POLICE REPORT NUMBER FOR THESE ACCOUNTS XXXX. OFFCER XXXX XXXX XXXX. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE ASAP
Product: Credit reporting or other personal consumer reports

I am contacting you to inform you that I am a victim of multiple data breaches from Equifax and the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, XXXX, XXXXXXXX XXXX  deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days
Product: Mortgage

the loan was bad with Bank of America BOA never tried to fix the loan Did not modify it properly They owe me all that I paid for over the years
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for a used automobile loan with my bank, the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX, New York. During this process, the bank noted my credit rating had dropped from the 800s to the 700s due to one past due account. I immediately contacted all 3 credit  bureaus. On the first site, I quickly located the problem, which was a credit card listed as XXXX ( translated as XXXX XXXX, XXXX XXXX XXXX ). Since I did not open this account, I filed disputes with the 3 bureaus. XXXX 's on-line process was completed in minutes, as well as XXXX. However, Equifax proved to be impossible. After two attempts at filing an on-line dispute, I was unable to tell if my request had been processed. The other bureaus gave me a file or confirmation #. This one did not. On XX/XX/XXXX, attempts to reach Equifax by phone ( XXXX ) were met with continuous instructions to use the website, with no option to reach a person. After a while, I finally located a different number ( XXXX ), and reached a person. This representative was difficult ( and at times impossible ) to understand, asked most questions twice after they had been answered and was generally robotic and unhelpful. I had to twice ask her to spell words that she could not pronounce. After 10 minutes of answering security questions over and over again, she advised me my answers were wrong ( they weren't ) and I will need to fax my license, a copy of my SS card and a letter to them. 

My credit rating has remained above 800 for decades. This fraudulent credit card was opened in my name and I want it corrected. Two of the three companies were able to do their jobs. I am filing this complaint against Equifax because I am very concerned about the level of professionalism and their inability to perform a basic function of their mission. My credit rating still remains very good, and this did not prevent me from getting a loan, but it did raise the interest rate I was offered for the loan. This obviously needs to be rectified and Equifax seems to be unable to help me. Thank you for your anticipated help.
Product: Debt collection

XXXX XXXX has been calling off and on for well over a XXXX threatening legal action on some debt or bad check. I have attempted to have them mail me something verifying the information and have received nothing. They have called my home phone, cell phone, wife 's cell phone, my mother. My credit report is clean and there are no outstanding debts. I have not had a person checking account for several XXXX. I 've tried the do not call registry but they continue to harass. Everything XXXX read regarding them is that most cases are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX2020 and XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I truly fell like I'm being taken advantage of and being ignore of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it have been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate Bankruptcies on my credit report i have requested an investigation and they are refusing saying it was previously disputed if its in accurate its inaccurate I've received a copy of my report from the source they claimed to have verified it from doesn't reflect any bankruptcy being reported
Product: Credit reporting or other personal consumer reports

I called the reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. By law to contact third parties with my private or personal information. Offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Product: Credit card

on or about XX/XX/year> in receivred a credit card that i applied for and i had it in my wallet i didnt activate it then i was taken to the hospital and then was taken to XXXX not until i was release i relized that i didnt have my wallet and what was in it. i went onto my email and it said that a charge was denied from this credit card so i called the card and was told that i activated the card and had charges on it. i told the company that i was in hospital and idk what they are doing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX once I discovered my account was flagged as delinquent. This was a surprise to me because my account has been on auto pay for over 10 years since my account creation. I had to call XXXX over XXXX times before a representative thoroughly investigated this matter. Through discovery, it was brought to my attention that XXXX had migrated from a legacy system which removed customers autopay. As a result, my account went into a delinquent state. This is clearly no fault of my own. I finally was able to get XXXX to submit a letter on my behalf to remove this late payment. However, the credit bureau 's did not remove this late payment and XXXX has stopped assisting. This is not fair or accurate reporting and has had a negative impact on my credit score. I work for the federal government and this is critical to my employment. This is completely unacceptable and poor practice.
Product: Credit card or prepaid card

I was sent a letter stating my account had been closed due to return checks. I was told when I called your customer service department in mid-XX/XX/XXXX that my account was under a security alert as someone had compromised my account and they had placed a security hold on my account. Once I found this information out I stopped the checks as I thought my account had been compromised. I later get a letter stating my account was closed due to the checks being stopped yet I never got a letter, call or email as to why my account had a security hold and the explanation of such. I took action as anyone who thinks there account has been compromised. I always have made my payments on time. Even now I have made each payment requested. I want my account re-opened as I was never informed or given an explanation as to why my account had a security hold and what a security hold was. I simply took it as someone had compromised my account and acted accordingly. Please review this letter and statement so as to re-open my account.
Product: Credit reporting or other personal consumer reports

I received the letter from them telling me that my whole identity has been compromised from fraud that they had a Cyber attack my social security number my name my address is phone number I got this letter and nothing was ever done that was a whole lawsuit with the three credit bureau companies that run credit checks and backgrounds under your name Equifax XXXX in the other one I can't remember the names quite often but all three of these companies sent me a letter saying fraud a Cyber attack I even got one from XXXX XXXX I also got one from XXXX did the apartment of social services and I believe I got one from one more company but I have to look for these letters now is lawsuits and I'm going to do another credit check to make sure nothing else is in my name I've seen of loan I never applied for and I seen some other things this needs to be taken care of and fixed and I need damages they owe me money it's not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous credit inquiries listed on my Trans Union, XXXX  and XXXX  credit report. The only credit inquiry that should be listed on my credit report is, XXXX XXXX XXXX/XXXX  XXXX. All of the other credit inquiries listed on my credit report are fraudulent, unauthorized and not my credit inquiries. I should only have 1 credit inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : 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  Account Number : XXXX INQUIRIES : XXXX XX/XX/year> : XXXX  XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

***** XX/XX/XXXX just log in only .. Think sometime in XX/XX/XXXX I purchased lite coin 2 ) Please list any actions that were not authorized by you, including the amount and timing of any transactions. 

***** XX/XX/XXXX roughly {$1200.00}, amount of lite Coins XXXX 3 ) Do you have any information on how your passwords, email, and/or XXXX codes were compromised in this attack? 

***** By phone 4 ) Is there any additional information you can provide to help us understand the attack? 

***** Here are the Phone # ( XXXX ) XXXX, Looks to be a cell # because they text me ( XXXX ) XXXX The guy I talked with said his name was XXXX,, Sounded like he was from XXXX by his Accent '' 5 ) If you this number Coin base help info either ( XXXX ) XXXX multiple number will appear in listed numbers .. 

6 ) pasted from email I received from flatulent base coin company .. You just sent XXXX LTC to XXXX 
XXXX Please contact me at ( XXXX ) XXXX cell phone, or via email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Please delete the items as soon as possible.

Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 USC {$1600.00} ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. 

I demand that you cease and desist from this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records. discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. A copy of the invoice and other pertinent documents is attached for your records along with a Final Demand for Payment. 

XXXX XXXX XXXX XXXX Amount : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving a copy of my credit report. I realized there were several inaccuracies .I noticed a different social security number not mine.

I noticed addresses that were not mine.

I have one address : I have 1 social security number. 
I sent Experian a certified letter with my concerns.on XXXX Which the received XX/XX/2023 I sent to them a copy my license A copy of My social security card A copy of My utility bill I have been at my current address for over 20 yrs. 
The only thing they updated on XX/XX/2023 was my name. Not the social security number or my only address. 
I only want accurate information reflected on my credit report and these items are not accurate. Im not sure at this point if there was any identify theft or anything in accurate since I do not recognize address or a social security number reporting on my credit report.