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

I'm constantly finding myself fighting to redeem my identity back. My identity has been compromised and now there's many unauthorized accounts on my report, and the 3 major credit bureaus are continuing to report these accounts without any certified physical documentation. I'm demanding that these accounts be blocked immediately and permanently from my credit data. The accounts are, [ 1 ] XXXXr XXXX   {$4500.00}, [ 2 ] XXXX XXXX  {$680.00}, [ 3 ] XXXX XXXX {$72.00}, [ 4 ]  XXXX XXXX XXXX  {$71.00}, [ 5 ] MXXXX XXXX  {$30.00}, [ 6 ] XXXX XXXX XXXX {$680.00}, [ 7 ] XXXX XXXX XXXX {$140.00}, [ 8 ] US Dept of Education/XXXX {$3800.00}, [ 9 ] XXXX XXXX XXXX, [ 10 ] XXXX XXXX XXXX, [ 11 ] XXXX XXXX
Product: Debt collection

Arcadia Recovery has called our business on multiple occasions, and continues to do so. I have called and spoken to a representative ( on XX/XX/XXXX ) and asked for our phone number to be removed. On two other occasions XX/XX/XXXX and XX/XX/XXXX I have left messages as their message states no one is available. All 3 times I have provided our number, and advised that the person they are trying to contact, a XXXX XXXX is nit here, and does not work here. 

Their repeated calls are tying up the phone line for our business, and that means customers can not call. I have had to waste time calling their number XXXX XXXX XXXX XXXX and asked for iour number to be removed. They have not removed our phone number, and this is continued harassment.
Product: Credit reporting

I have been having serious problems receiving annual credit report from Experian Credit Agency, XXXX XXXX, XXXX, Texas XXXX through the United States Postal Service. I applied for my credit report numerous times by telephone. I absolutely requested for Experian not to send my file over the internet due to identity theft issues as well as my computer being hacked. I would like to have my Experian Credit File sent immediately by mail only. Due to inaccuracies on my reports. Most importantly due to Experian deleting a good standing trade line that was not due for deletion. The trade line was with XXXX XXXX XXXX XXXX account number XXXX on XXXX XXXX, XXXX the good standing trade line was deleted without a dispute from the consumer through a portal administered by XXXX. The good standing trade line was not due to deletion until XXXX XXXX. This is against my fair credit rights and needs to be thoroughly investigated. I have never been married or jointed my credit file with a spouse.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX and I am writing this statement on my behalf. Per 15 USC Code 1681S-2 ( a ) ( 1 ) ( a ) & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. Per the US codes, they summarize that it is non-permissible for a creditor to report anything under any circumstances, without my written consent or instructions. No consent constitutes identity theft. As a federally protected consumer, I am exercising my rights and I am demanding the deletion and removal of all listed accounts mentioned in this report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report shows a collection agency - XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX opened a collection account for the amount of {$440.00} on XX/XX/2018 from an original creditor - XXXX XXXX XXXX. 
I have disputed this with Transunion on XX/XX/2018. 
This account does not belong to me and I have requested XXXX   to remove it from my account. They have not done this. I researched XXXX XXXX and have found this is a scam company. 
I do not recognize this creditor nor have I taken a loan from XXXX XXXX XXXX on XX/XX/2018. 
The collection agency never contacted me, nor has XXXX XXXX XXXX to prove that this is mine. 
Please help me to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

After putting this company on notice in writing regarding being a victim of identity theft, private information being reported without consent, and requesting proper documentation proofing validation and consent with my signature I am still being violated as a consumer. I submitted a previous complaint trying to rectify the situation with the company and received a generic letter in the mail allegeding that they have proper validation without sending documentation as evidence. This company continuing to report my private nonpublic information is a direct violation to me the consumer pursuant to 15 USC 6801. If this company can not provide documentation of consent and validation bearing my signature I demand that all information being reported about an accountXXXXby XXXX XXXX be removed immediately.
Product: Debt collection

I received an automated text ( no call ) about medical debt requesting me to give them information about my debt. The debt amount was NOT listed nor did they tell me I could dispute this. I also sent formal letters to multiple debt collectors beforehand informing them about being on the FTC do not call list and asking them to cease all contact with me and this MIGHT be one of them, but they still contacted me anyways despite my formal do not contact request. 

They contacted me from : XXXX They gave me a reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX bankruptcy discharged Filed on XX/XX/XXXX Reference number : XXXX Court : U.S. Bankruptcy Court XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing to delete the following information from my file. The items I need deleted are listed in the report. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Validate Inaccurate/Reported Late payment XXXX  Account Number : XXXX Validate Inaccurate/Reported Late payment XXXX XXXX  Account Number : XXXX Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company says that I was late on a payment but I was not based on records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX, GA XXXX EMPLOYER : XXXXXXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The oldest account on my Innovis file contains an inaccurate address and phone number. I try to dispute this on their website and am told I can only be helped via phone. I try to dispute this via phone and inform Innovis of my rights, and am told I can only be helped by a manager. I try to dispute this with a manager and am directed to a voice mail box, where I left a message, and haven't heard back.
Product: Debt collection

Received a letter in the mail that a XXXX debt was owed for a er visit while traveling. Being that I am XXXX XXXX I didn't have co pays. However the XXXX dollars owed was due to a billing error on XXXX XXXX behalf. I did however pay the bill after being threatened and employees of professional account services refusing to listen to me. I was hung up on when I told the rep I paid the bill with the hospital directly. Which is XXXX XXXX. The rep again hung up on me. The confirmation for my XXXX dollars is XXXX. Bill was paid directly to XXXX and should have been sent to collections per the fair credit reporting act and hippa laws.
Product: Credit card or prepaid card

57 fraudulent charges totaling {$10000.00} made on my credit card between XX/XX/2019 and XX/XX/2019. 

Huntington Bank Mastercard Voice Rewards : I called company on XX/XX/2019 to report fraudulent activity on the card. I filed a report with the XXXX Police Department regarding the fraudulent activity. I have also identified legitimate charges. 

I also submitted documents related to the case to a personal banker at the HUntington Bank in XXXX XXXX, Illinois.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the film industry upon the completion of XXXX in XXXX with major in XXXX XXXX XXXX XXXX. To cover the expensive cost of tuition, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and graduating, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The XXXX XXXX bill had different loan interest rates than the previous lender issuer at 8.99 %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of 5.5 %. I have been paying this for the last 15 years and still owe large portion of the principal. The school degree was not recognized in all my attempts to obtain employment. The school misconduct caused me a life long sense of failure. It has been discovered the school had operated with bad faith and many complains had shown it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Equifax for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : Equifax : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance with this requirement, violating consumer rights to timely and accurate disclosures.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections.

Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from Equifax that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My rights are being violated as a consumer. I recently pulled copies of my credit report and noticed there is a bankruptcy being reported. I did request transunion XXXX and XXXX  to remove it off my credit report I also sent a letter from the bankruptcy court stating they don't release linfirmation to the credit bureau. 
I am request this information be removed immediately
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Inquiries on Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute XXXX unauthorized hard inquiries that appear on my credit report from XXXX, dated XX/XX/year>, and XX/XX/year>. I did not authorize these inquiries, and they are negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. I request that you investigate these inquiries and remove them from my report. 

Enclosed, you will find a copy of my credit report highlighting the disputed inquiries, along with a copy of my identification for verification purposes. Please provide me with written confirmation once the inquiries have been removed or. 

I appreciate your prompt attention to this matter. Please respond within the timeframe required by the FCRA. You may contact me at the phone number or email provided above if you need further information. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauEquifax, XXXX and/or TransUnion ) credit report XXXX My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 


Inquiry details XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

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

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Product: Vehicle loan or lease

I have a used car loan with Navy federal. My interest rate is XXXX %. I was XXXX XXXX XXXX and given XXXX  in XXXX of XXXX. So I submitted my orders to navy federal ending of XXXX. I called XX/XX/XXXX and they said it has been approved but they are backed up. They said it will take XXXX  days from start to end. It has been well over XXXX  months. All my other credit cards have granted my SCRA benefits but not navy federal.
Product: Credit reporting or other personal consumer reports

I was recently reviewing my credit report and realized that there were a number of inaccuracies such as misspelled names and addresses at which I no longer live and therefore do not correspond to my current address. 

The inaccurate information is as follows NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Having this inaccurate data is affecting me personally because it is not allowing me to build credit and get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXXXXXX XXXX due to credit reporting. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting ( house, car etc ). Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

I have been disputing fraudulent information with XXXX for a while requesting them to remove items that where not mine. They continue to keep information on my report that's not mine.
Product: Credit reporting or other personal consumer reports

Your company is in violation of my right and if this is not resolved i will be seeking litigation. you guys allow this frauduelent account to be reinserted back on my credit report after deleting it after i attached a ftc report and a police report.
Product: Mortgage

My loan was purchased from XXXX by Selene Finance in XXXX 2022. Since then my statement numbers keep changing by unusual amounts. Now that I'm selling, I called to straighten out the final payout numbers and have been given the runaround. First, I was promised a call back on XXXX at XXXX by XXXX XXXX ( sp ) to get to the bottom of things. Never happened. Spoke to someone else after who said that her supervisor was contacting Mr. XXXX to then get a hold of me. Never happened. Then on XXXX I was on a conference call with the Title company and XXXX  at Selene to get the final payout etc finished. After a 45 min call which was mostly being on hold and hearing a racially upsetting comment, nothing was resolved other than XXXX  saying that someone would look into it. I was then passed to her supervisor, XXXX XXXX, who proceeded to then speak down to me and then speak over me, intentionally not giving me a chance to speak. Finally after several minutes of this, my frustration, unfortunately, got the better of me and I swore and then he hung up. 

I find it strange that numbers don't add up, they won't explain it, and that once I called them out on this ... my loan was sold to another company. Games and dirty business.