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

Consumer reporting agencies have a significant amount of personal information about consumers. This information is invaluable in assessing a consumers creditworthiness for a variety of products and services, including loan and deposit accounts, insurance, and utility services, among others. The FCRA governs access to this information to ensure that a prospective user of the information obtains it for permissible purposes and does not exploit it for illegitimate purposes XXXXThe FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. Transaction Dispute/ Request for Fraudulent Transaction Information Made pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C . 1681 ( g ) ) XXXX XXXX STERN RECOVERY SERVC ACCOUNT NUMBER MISSING NOT REPORTED XXXX XXXX XXXX XXXX XXXX NC XXXX Dear Sir or Madam : As I already reported via telephone, I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account in the amount of {$33000.00}. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed.

In addition, I am enclosing a copy of sections 609 ( e ), 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Please investigate this matter and correct the fraudulent [ charge/debit ] as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 609 ( e ) ,605B, 615 ( f ), 623 ( a ) ( 6 )
Product: Credit reporting or other personal consumer reports

I am writing to dispute the discrepancy in how my credit score has decreased within a XXXX period. My concern at this time is that my credit score has decreased from XXXX to XXXX in less than 30 days. More specifically, XX/XX/XXXX, to XX/XX/XXXX. The reason for my concern is that my credit profile has not changed. My income is {$XXXX}, my credit usage is less than 1 % and I recently paid off an auto loan in XX/XX/XXXX. My student loans are paid on time in which one of my student loans was paid off in full. I have no credit card debt, which leaves me to believe my identification has been compromised. I recently placed a freeze on my credit report from any inquiries. I just learned that someone elses address is listed on my credit report. 

Unless there is a serious miscalculation in the formula used, how can my score continue to decrease if my payment history shows pays on time? It is hard to believe that my score would decrease at this pace with XXXX credit inquiries. There can be no other explanation for a XXXX loss in my credit score for which I think a full investigation and explanation is warranted. 

Over the past 60 days I have allowed inquires when applying for loans to finance a XXXX procedure. I believe that the XXXX offices might have shopped my credit report around allowing my credit to be pulled multiple times which seems to have compromised my credit report and score.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, and I have no idea why. When I checked my report as usual, there were discrepancies that hadn't been there before. I tried refreshing my browser, thinking it might be a glitch, but the inquiries remained. Because of this, I am requesting a detailed review of the documents I've provided to prevent future worries.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Falsely Reported on Credit Buros for over 4 years, damaging our credit records & causing us harms since been denied place to rent, live, having to paid pretty much over 50 % of our income at locals Hotel since we move from XXXX to XXXX XXXX on a New Job trends. We paid our rent on time, every month, on vacating date a review the premisses an release us conforming site rules and regulations without any additional charges with the promise of forwarding the initial deposit to our new address, ( We got a copy of that Doc & Deposit Cashier Check copy ) We didn't received the deposit instead we received a charge for {$530.00} We have disagree with the new charges and a dispute all these years along it. 

We might provide throug all places lived before a Clean Renters Records, this company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, through deb collectors National Credit System Inc, have placed us in a very bad situation since reported credit buros because we have been denied a place to rent and live due this situation, we have been living in a hotel room for over a month so far, our belongins in a XXXX storage pending on clearing this situation.
Product: Credit reporting or other personal consumer reports

It has come to my attention after checking my credit report that there is inaccurate information displaying on there due to a nation wide data breach. I have reached out to the CRA with no resolution. I have attached my files FTC report for these accounts displaying on my credit report. I would like these accounts removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DPED XXXX Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, XXXX Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # 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: Vehicle loan or lease

Toyota motor credit Corp decided to report my account is opened. The account is charged off and closed. I disputed twice with XXXX and it come back verified and updated on XX/XX/XXXXandXX/XX/XXXX, i called several times to Toyota financial, no one can help there is not much information in system, i send a letter on XX/XX/XXXX, no answer. 
The account reported is open and the same time is a charged off ( the car was voluntary surrender on XX/XX/XXXX) -The balance is incorrect ( credit report .show original charge off {$3400.00}, new past due {$3600.00}, how the balance increased since is closed ) -Closed date is missing ( no date in credit report ) - Last payment made is incorrect ( my last payment was on XX/XX/XXXX ).
Product: Payday loan, title loan, personal loan, or advance loan

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. XXXX also accused me of not getting a police report from the police department that is not true and insulting. XXXX XXXX accused me of using a third party or a credit repair and again that is not true I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters to XXXX, XXXX and Experian about removing this charge off from XXXX XXXX in the amount of {$11000.00}. I was told that all the information was verified. Which isn't true because the amounts and dates are are all different. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Debt collection

I have received numerous calls a day to my parents landline, where I do not live anymore, back to back multiple times a day. It has gotten so bad we have actually stopped answering the phone. For example on XX/XX/2016 I received a call at XXXX, XXXX, XXXX. They never leave messages, they only ask for whoever answers the phone name and then for the social security number. They say they are working on behalf of XXXX for medical bills but will not disclose what bills they are talking about. When I confronted them about them violating the FDCPA they then said it was multiple debts from same place so that is why they call so many times and that they are allowed to do it. My elderly parents are absolutely at the end of their rope with the phone calls coming in constantly. When I confronted them as well they said they would then start sending me mail for it ( which they already do as well ). We now live on eggshells waiting for the phone to ring.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX  : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Experian Credit reporting agency. Upon numerous calls and bounced back from XXXX agent to another, I finally got a rep named XXXX XXXX talk to me and she informed that she is working from home and really does not have all the tools. She had someone crying at the background and she put me on hold for a long time then told me that she can not do anything about this Collection agency, they purchased a 13 YEAR OLD ACCOUNT AND TRYING TO MAKE SOME MONEY ON IT. MS XXXX SAID THAT IS FINE, THEY ARE JUST DIRECTED TO DO WHATEVER THE CREDITOR /COLLECTION AGENCY TELLS THEM TO DO. 

THIS IS A FRAUD AND A SCAM TO COLLECT ON AN ACCOUNT WHICH IS ALREADY SETTLED 13 YEARS AGO, AND THEY ARE WANTING TO REOPEN AND MAKE SOME MONEY ON THIS OLD ACCOUNT
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX  {$1.00} please i want to delete from my credirt report original credito springoakcap
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX/ {$0.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to dispute two fraudulent accounts listed on my credit report. These accounts do not belong to me, and I have never had any involvement with either XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The accounts in question are as follows : XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) These accounts have been opened through fraudulent means, and I have filed a report with the Federal Trade Commission ( FTC ) to document the fraud. Enclosed, you will find a copy of the FTC Identity Theft Report that verifies this fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these accounts as fraudulent and remove them from my credit report. I also request that you immediately mark the accounts as disputed. According to the law, this issue should be resolved within 30 days. 

If you require any additional information, please do not hesitate to contact me. I am looking forward to the swift removal of these fraudulent accounts from my credit file. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my employment record suspiciously ended up online after a dispute with my employer. I had numerous credit cards taken out in my name, mostly for trinkets and small purchases. I froze all 3 bureau accounts and stopped using credit altogether. On XX/XX/XXXX i went to unfreeze my credit for a car loan and discovered my Experian account was unfrozen and changed to a different, unknown email. There are ( apparently ) fraudulent charges on that report. I called the company, but they would not answer, automatically directing me back to their website account ( which i am locked out of. ) I immediately sent a physical letter, but there has been no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Bankruptcy report on my credit file with Experian, XXXX and XXXX due to the fact that the file is 7 years old and should be removed. It was filed in XX/XX/2015 and fully discharged in XX/XX/2015. 

Experian did not remove the file because they stated the information was accurate. 
It is accurate but it is 7 years old and should fall off now. 

XXXX and XXXX immediately removed the file.
Product: Debt collection

I have a derogatory account on my XXXX XXXX report placed there by southwest Credit systems ( SW CRDT SYS ). The account came from XXXX XXXX XXXX Some one a place called XXXX purchased XXXX worth of either equipment or services from them and used my information. If you search my residential records you will find I never lived in the city or state in which this took, in fact I have never even been there. Following is a copy of what is on my credit report I have contacted XXXX XXXX XXXX who said they would investigate Southwest Credit swears it 's my account, XXXX XXXX does nothing. I really feel violated by the abuse of these large companies who can at will mess up our lives. I think it unconstitutional be able to publicly falsely destroy my pursuit of happiness. 

SW CRDT SYS Reported on XX/XX/XXXX {$4300.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it 's going to stay on your credit report. You might notice some changes to your account info though ; it 's been updated to reflect recent activity. 
Dispute Reason Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data. 
Dispute Results From XXXX XXXX  received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you 're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You 'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. 

Mail : XXXX Dispute XXXX. XXXX XXXX XXXX, PA XXXX XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays
Product: Debt collection

I have been hospitalized 5 times this year. I just got out of the hospital and trying to recover. I have no what provider is trying to collect on this debt, where I supposedly received treatment or who provided said treatment.
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. 

XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on my three ( 3 ) credit files from a collection agency named Trident Asset Management, LLC.  Please be advised that I am disputing this collection due to the fact Trident Asset Management, LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX ) does not have a valid license nor a certificate of authority in Mississippi to collect on debts. This information is stating that their license is currently nonexistent according to https : XXXX. Furthermore, this company never contacted me about this account but just placed the account on my credit reports without verifying if the information is true or if the item is mine or not. In reference to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), validation letters were sent to XXXX,  XXXX, and XXXX on XXXX XXXX, XXXX. The account was deleted from XXXX ; however, no proof was provided to me by XXXX nor XXXX as of the date of this letter and it continues to remain on both reports.
Product: Mortgage

NATIONSTAR mortgage is charging ridiculous amount for escrow & NOT returning overages! If I send more money, they make up charges to absorb extra funds, so again they do NOT have to return funds or apply funds to principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Company has misled consumer, and billed less than XXXX XXXX violating FCRA from a XXXX purchase on a revolving account
Product: Credit card

I was contacted by phone by XXXX. I returned their phone call and was transferred to XXXX. When I asked what the call was in reference to he explained a debt with Continental Finance for a credit debt of {$730.00}. He claims a letter was sent to me and a response had not been received. I explained I did not receive a letter. He stated no return mail was received by them. I asked if he could send me something in writing and he declined to do so and said they were just giving me a courtesy call and were not obligated to. I asked again if they could send me something because I didnt receive the initial information. He asked about my email and I told him I had n't received anything at the email in a long time. He said that payment was required now and they were n't going to wait any longer because it 's been 8 months. He then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items:XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.