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

I sent a letter off on XXXX XXXX to XXXX, Equifax, XXXX, tracking number for each letter XXXX # XXXX, Equifax # XXXX, XXXX XXXX, to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I HAVE THE RIGHT TO PRIVACY. Also according to the 15 USC 6802 NO FINANCIAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE These are clear violations of my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly that I am 30 to 90 plus days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed fraudulent accounts that I am not aware of and that are hurting my credit score. 

XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX, I Account Number XXXX This account that I don't know about is seriously. hurting my credit score. I need to remove it please. 
ran.
Product: Credit reporting or other personal consumer reports

this account was paid in full in the department store in XXXX. The payment was misapplied and later credit ed back about XXXX  day later .The late payments are incorrect. XXXX  was paid directly I never heard of XXXX XXXX. The store is out of bossiness and the bank has failed to respond to my correspondence. they have violated FCRA LAWS THEY NEVER INFORMED ME THAT THEY WERE PLACING ANY NEGATIVE ACTIVITIES ON MY CREDIT REPORT.THE ARE REPORT ON ACCOUNT THAT PAID COMPLETELY OFF WITHOUT LATE PAYMENTS. I HAVE DISPUTED AND THE VIOLATED FDCPA LAWS BY NOT ADDRESSING MY CONCERNS AND DISPUTE
Product: Credit reporting, credit repair services, or other personal consumer reports

Accessed www.experian.com/boost as emperian advertises on television they can increase or " boost '' your/our credit rating. I accessed the emperian online offer and entered personal information, e.g., XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AR XXXX and telephone number. Emperian required a username and password and entered XXXX and username XXXX. Emperian then showed our credit score based on he above entries and it had dropped nearly 100 points to XXXX. Called the telepone number for disputes and the denied allowing a dispute being filed. Here is the information they did provide ; Report Number : XXXX Date Generated : XX/XX/2019 then they offered CFPB assistance and I went through your process and filed this report. While there was no cost for Emperian to lower our credit score a hundred points it certainly is false or fraudulent advertising to see Emperian can " boost '' your credit score and the show a 100 point decrease. Any assistance the CFPB can provide will be appreciated. You should consider advertising a warning re. Emperian can increase your credit score when they did just the opposite. Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX wrong and unauthorized inquiries on my credit report with Experian, please delete that following wrong inquiries, thank you. 

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

When reviewing an alert on my credit report, I noticed that there was an attempted collection of a debt that does not belong to me. 
This collection company put on my report a series of addresses where I have never lived in order to collect a fraudulent debt. 
It is evident that they used my information to commit fraud. 

I have never requested these types of services and I have never resided at those addresses. I have never had an account with XXXX XXXX XXXX On several occasions I tried to call this collection company, but they did not answer. 

The information of this collection company is : SOUTHWEST RECOVERY SER XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX SOUTHWEST RECOVERY SER Original creditor : XXXX XXXX XXXX Balance {$590.00} Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$590.00} past due as of XX/XX/2023. 
Status updated. 
XX/XX/2023 Fraudulent address provided by this collection company : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, FL XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Mortgage

XX/XX/XXXX, I signed a contract for deed with XXXX XXXX, and XXXX XXXX XXXX, which now calls itself National Asset Mortgage. I was excited to get into my own home, so much so that I didn't read the fine print. Well after becoming late during a medical catastrophe, I came home out of the hospital on more than 1 occasion, to a big note taped to my door for all to see, that read I had to vacate property within 11 days for being late on my payment. That should have been my first sign. So after digging into my contract I signed with them, I found they were charging me 10 percent interest on my " mortgage ''. After years of dealing with them, and a few notes taped to my door ( which was done by a management company of some sorts ) not by a law enforcement agency, it was greatly stressful, and quite honestly embarrassing considering I was going thru medical issues, and always got caught back up. I had been approved for the goverment program called hardest hit fund, which was willing to pay the house off, and at the time, nam refused to work with them, because they said they weren't a mortgage company and couldn't accept their payment. Fast forward to know, and I have been divorced from my ex-wife for some time now, and my ex-wife who was not on the contract was awarded the house. And was to handle all transferring of said house. Well needless to say, she hasn't, i have tried everything possible to work with them to get this done, so it can be removed off of my credit and they will not. So not only did they publicly shame me for a medical issue and being out of work, deny working with a place that would have paid the house off, gave me an astronomical interest rate ( is that even legal ), reported to one of the bureaus one thing, and another thing to the other 2, including that the loan was only for 30 months. When it was supposed to be 30 years, but now they refuse to help me by removing it.. it has caused me and my family a great deal if distress and has prevented me from getting into a new home ... please help with this predatory loan place, and there threatening collections tactics so others don't ever have to go thru that embarrassment The company just had a judgment against them by this bureau on XX/XX/XXXX for somethine else as well. 
They are listed as XXXX, NAM out of south Carolina.
Product: Student loan

When I signed my contract for my student loan at age XXXX, I was under the impression that I would n't have interest charged until after I graduate. Now that I am more aware of my finances, I have noticed that I was charged over {$15000.00} in student loan interest while in school. Making my " affordable '' balance of {$60000.00} jump to well over {$80000.00}. I 'm being denied when I try to refinance my loan, because it is now at a 9.6 % interest rate, and I have have n't been given the time of day from other financial institutions. I 'm overwhelmed by more than just the number, but also the interest rate and I think that the student loan company not only fraudulently charged me an enormous amount of interest while in school, but they also took total advantage of a young student, without any other way to pay for college.
Product: Credit reporting or other personal consumer reports

I have received a background check report from an employer. I noticed that on my report, when they checked my different addresses for crimes, they have several addresses that I've never been to in other states. I believe Someone else is using my information/identity and social that I used for the background check. I am very concerned and not sure what to do about this. If you need to call my number is XXXX, and address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV, XXXX Address incorrect ; XXXX. XXXX, XXXX, NJ XXXX. XXXX, XXXX XXXX, XXXX XXXX. XXXX, XXXX, PA
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX has to remove old lines/closed accounts from my credit report after the time limit has run out. The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX debts has expired almost 12 -20 yrs ago. The CRAs do not automatically delete the closed items from my credit report once they're scheduled to be deleted, Further, they have not every time I keep disputing give me a thorough investigation besides the e-OSCAR system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX  XXXX XXXX Balance : {$43000.00} ; XXXX XXXX XXXX  XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX  XXXX Balance {$620.00} ; XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX TX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I have received mail from Jefferson Capital Systems and texts from XXXX XXXX XXXX  regarding a XXXX XXXX account from XX/XX/2021. The reported debt amount is {$1300.00}. I have never opened a XXXX XXXX account under my name. I thought this debt collection notice was a scam, but now it is on my credit report and affecting my credit score. 

XXXXXXXX XXXX texts include a reference number # XXXX. Jefferson Capital only gives me the first few digits of the reference number, XXXX.
Product: Money transfer, virtual currency, or money service

I wire transferred to Fifth Third Bank on XX/XX/XXXX {$760000.00}. It turned out to be fraudulent. The sending bank notified Fifth Third Bank on XX/XX/XXXX that it was fraudulent. Fifth Third Bank did not cooperate with the sending bank to retrieve the funds. Please see attached document with full details and email from sending bank, XXXX, informing me that Fifth Third Bank was not cooperating. I also had verbal discussions with the sending bank with a witness telling me that Fifth Third Bank was not cooperating.
Product: Debt collection

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX Law Dictionary, 9th Edition, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account # XXXX is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$310.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted thru XXXX XXXX today that two new credit card applications had been run ( a hard hit ).
Product: Credit reporting

There are XXXX strikes against my Credit. XXXX of them being an old apartment complex that I was told would not be charging us for final rent as well as would be returning our deposit due to mold issues in both the apartments we lived in during the one year lease. 
The other mark on my credit is a medical bill that should have been taken care of by a work mans comp claim through the XXXX I used to work for. 
I attempted to dispute these marks through XXXX. I filled out the original account look up page info. Upon completing it they asked me question relating to " loans I took out '' such as mortgages and car loans. The questions asked what company I took the loans out from and how much my minimal payments were. The problem is I did n't take out any loans from any company nor do I have minimum payments of any kind for these non existent loans. I answered the questions with " none of the above '' since these loans did n't exist and the response back was that that did n't match the info they have. Now I am concerned that identity theft may be an issue on my report as well although I did not see any physical proof of such.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXXount Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS AND TAX LIEN APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to XXXX on XX/XX/2023 disputing two accounts reporting late payments and also disputed online. They have investigated and results came back verified and updated. However, the late payments were not removed. 

In accordance with the Fair Credit Reporting Act, both : XXXX account ending XXXX XXXX XXXXXXXX account ending XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting or other personal consumer reports

I sent XXXX, Transunion, XXXX, dispute letters requesting that they fix the errors or delete them because of the information I found on all three consumer reports don't say the same thing and according to the FCRA all reports supposed to be 100 % percent accurate. I showed them the errors that all of the reports showed from the date those accounts were opened, Date of last activity, and closed dates these are just a few. They just sent me a report and didn't correct anything and just said that they were verified. I asked them according to the law 15 U.S.C 1681 ( I ) ( 7 ) how did they verify those accounts and according to the law they only have 15 days to respond but me being consider I gave them 25 days and the only thing I got back from one company was that they didn't think that it was me sending them the letters but a credit repair company. I expressed to all three how this was making it hard on me and my family sense I'm the sole provider from getting a job, house, transportation, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get a job and with companies checking backgrounds and credit it makes it kind of impossible to get a job and this is detrimental to my life and my mental state with all these errors and misinformation on my consumer report I tried to give them the benefit of the doubt and they still won't follow the law i called these companies over and over and to my avail nothing happened. And i know according to FCRA that this is against the law if all of my consumer reports isn't 100 percent accurate
Product: Credit card or prepaid card

In XXXX, XXXX, XXXX, a company I pay to monitor my credit notified me that a credit inquiry was made by XXXX XXXX. My XXXX Representative immediately contacted XXXX XXXX on a 3-way call with me and we were assured a credit account would not be opened. In XXXX, I started being harassed with letters and phone calls from XXXX XXXX stating that my account was past due. I also saw that my credit score dropped from over XXXX to under XXXX. I called XXXX on XX/XX/XXXX at XXXX and they assured me they would open an investigation. I called again on XX/XX/XXXX and was told the same thing. I heard nothing back and later received a collection call from XXXX. I told them my situation and they assured me that an investigation would be opened. Still, nothing was done. I sent an email to XXXX and received a return email with Reference ID # : XXXX assigned to the case and they stated they would open an investigation. As of today, this delinquency is being reported on my credit report and I can not open other accounts due to my poor credit score.