23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Dear Credit Bureau, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail and fax for purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages. Identity Theft Report FCRA Section 605B law Please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX {$1700.00} TransUnion ACCOUNT XXXX {$1200.00} TransUnion XXXX XXXX FL {$1200.00} TransUnion ERC 11 XXXX {$800.00} TransUnion XXXX 11 XXXX {$800.00} TransUnion XXXX XXXX FL {$750.00} TransUnion XXXX XXXX C {$550.00} TransUnion XXXX {$440.00} TransUnion XXXX XXXX FL {$170.00} TransUnion Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I am not liable for this debt with NATIONAL CREDIT ADJUST plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : OFFICE OF THE ATTY GEN XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} ; XXXX  CHILD SUPPORT ENFORE XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; ATTORNEY GENERAL-XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}.
Product: Mortgage

Cardinal Financial XXXX XXXX XXXX failed to follow through on his promised to fix the issue and return the Appraisal fee. Once I pressed the issue he stopped responding to my voicemail messages and emails. You would hope the Top Manager would lead by good example. In his response to my complain # COMPLAINT ID XXXX, SUBMITTED ON, XX/XX/XXXX. The company claims that my DTI was high. All this time the company knew I was going to buy a new home since my family had out grown our current home. The company even provided me with a Prequalification letter for the next house. I am not sure why they have denied me the refinance when they had all the information for more than a year since XXXX of XXXX. It feels like they were not happy that I was going with another lender for a Major loan amount with another lender. This made them furious and they denied me the refinance on my rental home.
Product: Debt collection

Among other things, it requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports. 15 U.S.C. 1681e ( b ).
Product: Debt collection

I disputed the account and it was removed from my credit report under the name XXXX and now its on my report again under a different name
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognized that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times on XXXX XXXX. 

XXXX is one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX who identified himself as the Manager. 
He refused to help. 

It is very unfair that they did that. They lowered my credit score by 200 points.
Product: Credit reporting or other personal consumer reports

transunion failed to report accurate data points for two years to deny age of consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020, BK OF AMER add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Has reported that I have been involved in several not at fault accidents that havent happened causing my insurance rates to increase. 
Specifically on : XXXX, then comprehensive claim over {$1000.00} on XXXX XX/XX/XXXX that isn't mine. Another accident XX/XX/XXXX which isn't mine. 
These need to be removed.
Product: Debt collection

XXXX XXXX sold my alleged debt to a collection company. I was forced to settle the account to protect my credit. When XXXX sold me their cell service the representative told me that I could make toll free calls to XXXX. I relied on this and spoke to family in XXXX extensively and was charged over {$1000.00} for the month. When I attempted to contest the charges with XXXX I was given the run around and treated " like a criminal ''. I was promised adjustments and an investigation but instead my account was sold to a collection company. I was forced to settle with the collection company as the debt was interfering with my ability to obtain new credit.
Product: Checking or savings account

On XX/XX/2021, I was at work and expecting my Stimulus deposit. I got on my Chime App and chatted with a representative. I asked them, when was my deposited be posted. 3/5 minutes later, I get an email, stating my account was closed. I havent did anything wrong and I havent used my account since that following Saturday. No fraudulent activity was made and I was able to go into my account, until I asked about my deposit. I do believe a Chime employee, was or did steal my money. I had {$1800.00} in my Savings account and I was suppose to get {$1800.00}, stimulus deposit, the same day. I contacted Chime and they promise me, they was going to expedite my check to me. Now, as of today, the email me again and said, I have to wait 30 days to get my check bc of Covid. Theyre holding my funds and want release them. I had told them that I cant pay my bills and I need my money. They promise me, I will get my check printed and expedited. I have the emails. Now, theyre telling me I have to wait. I dont know what to do. I now, not only have my money in my savings, I dont even have access to my Stimulus money as well. They just keep lying to me. I did nothing wrong for my account to be closed. I just want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous " certified letters '' to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding a medical debt collection account- XXXX XXXX XXXX that is not mine! I even submitted a letter from " XXXX XXXX XXXX  '' stating they have no account with me as proof! I have been getting return letters stating my account has been " updated and verified ''. I have asked numerous times for Experian to provide me with the paperwork and measures they went through during the investigations process to verify this account.??? I know this account is not mine and I have submitted proof numerous times backing my request. For some reason, I keep getting put through this never-ending circle of " verified '' letters that are not actually properly investigated. I'm fed up and want some answers or to provide me with accurate information on this account. I know this is not my account and that is why I have fought so hard to get this off! Not only did Experian, not investigate my account, but they also updated and verified, and created an entirely new account on my credit report that is the SAME collector. ( XXXX XXXX XXXX ) Now, not only am I fighting one account. NOW THERE ARE TWO!!! This has to be the most irritating and draining dispute I have ever had to face. I know these accounts are not mine and I am just asking for due diligence to correctly investigate and get these off my credit report as my credit is very important to me. 

Thank you for your time in helping me get past the dang robot on the other end of Experian.
Product: Credit reporting or other personal consumer reports

I am writing Transunion, XXXX and XXXX as a concerned consumer to request the blocking and deletion of information on my consumer report due to identity theft, in accordance with 15 U.S. Code 1681c1 and as recommended by the Federal Trade Commission ( FTC ).

I have recently become aware that there is information on my consumer report that is a result of identity theft. This information does not pertain to any transactions made by me as the consumer. My request to block this information is not being made in error, and it is not based on any material misrepresentation of fact by me that is relevant to the request for blocking these identified transactions. 

I kindly request that you take immediate action to rectify this situation by blocking and deleting the information related to the identified transactions, as per the law and FTC recommendations. It is of utmost importance to me that this fraudulent information is removed from my consumer report, as it is affecting my financial well-being and my ability to engage in legitimate financial transactions. 

Enclosed you will find copies of documents supporting my claim of identity theft. I would appreciate your prompt attention to this matter, as well as your confirmation of receipt and action taken within the timeframe required by law. 

Correct Name : 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 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
Product: Debt collection

XXXX XXXX XXXX. XXXX XXXX. The number was Unknown name XXXX. The person who called was XXXX XXXX. He was looking for a family member that does not live here. I told them the person does not live here at this number. I asked him to remove this number. He continued to harass me asking me questions. I told him I was being harassed, and he needed to remember that he was on a recorded line. I was place on hold and someone else came on the line an XXXX XXXX. I asked for their information she told me they were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MInnesota. She apologize and agreed that XXXX XXXX should have apologized and hung up.
Product: Credit reporting or other personal consumer reports

Equifax is intentionally hurting my credit. They do not do their job with investigations. I have recently disputed XXXX XXXX inquiry on XX/XX/XXXXXXXX  and they did not remove it. I asked for them to provide me proof of how they came to that decision and nothing. Just oh the company said it was yours. Again, I disputed this in XX/XX/XXXX and again on XXXX that I disputed this last and within a few outs they made that decision. Im guessing they did no research at all nor contacted XXXX XXXX. I personally reached out to chase last month with a dispute and they asked for all creditors to remove the inquiry. Even sent me a letter to let me know what they have done. Yet Equifax said the inquiry was validated. Im sorry but now compensation of {$1000.00} is owed to me as they have violated my rights for not properly investigating my dispute. Equifax is not trustworthy credit reporting agency and need to be held responsible for this mistake they have made multiple times over the past 90 days. This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit. Please remove immediately And compensate me for the mistake
Product: Student loan

I took a student loan from Edfinancial Student Loan Services. I took the loan out XX/XX/XXXX. It was {$1700.00}. I then paid for this loan on XX/XX/XXXX. I closed the bank account that I paid for loan with a few months later. Edfinancial did not start calling or emailing me that they " did not receive my payment '' until late XXXX. I was told during one phone call that the money was returned to me, even though I never received the money back into my account. They then told me XX/XX/XXXX that they did not receive the money due to " insufficient funds. '' This is untrue because I had sufficient funds in the bank account from the time of payment.
Product: Debt collection

My problem is with XXXX, they claim they verified a false debt. I am also filing a complaint against the collection agency ( Complete Credit Solution of XXXX TX ). I have no information about the loan at all from something called XXXX, I have no account number, documents or anything. The amount listed with XXXX  is {$1500.00}, but I have never received any documentation from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I work for the XXXX XXXX XXXX and hold a secret clearance and soon will transition to a Top Secret Clearance. I have an on-going account with Experian 's Credit Reporting Services , Account Number : XXXX. I have {$24.00} auto pay dpaid by my XXXX XXXX Account every month from my previous payment method which was XXXXXXXX XXXX. Back in XXXXXXXX XXXX XXXX merged and changed to XXXX XXXX . Therefore through no fault of my own in XX/XX/2022 the auto-pay stopped and these clowns unlocked my credit file and converted me to their free version of credit reporting. I called in XX/XX/2022 and explained what had occurred, I changed my payment auto-pay to my XXXX XXXX account XXXX and I was allegedly re-activated, my credit file was re-locked, and I requested and was told that my monthly security reports and security notifications would be turned back on because some XXXX had turned them off. I re-contacted Experian on XX/XX/2022 via phone call and complained that I was not receiving my monthly notices with my credit score, and that I was not receiving my security alerts. The representative said that my automatic notification was in fact, turned off, so I explained the story and was assured she would fix the problem and turn my alerts back on. It is now XX/XX/2022, and I still have not received my monthly notice with my credit score, nor have I received any Experian credit alerts. 
Experian has violated our contractual agreement and they have failed to perform the services they have promised they would provide, which has me in a vulnerable credit situation. I currently am employed as a XXXX XXXXXXXX, XXXX, and if I lose my job because of fraudulent financial activity that I was unaware transpired because of Experian 's error, I will immediately file litigation against the company. 
I demand the following : 1. Experian turn on my monthly reports with my credit score and reactivate my security alerts, which is why I am paying them {$24.00} a month auto-pay. 
2. I demand Experian provide customers with a phone number that allows participants to actually speak to a customer service representative for all matters that is not covered in their ineffective, inefficient option provided to call in customers which is rude, and completely useless. 
3. I demand a full refund of {$120.00} for my {$24.00} autopayments for the full period Experian Reporting services were not provided to me from XXXX XXXX through today XXXX XX/XX/2022, and {$24.00} per each month they fail to honor the agreement, terms and conditions of our credit reporting agreement. 
Again, any more delays from Experian will be settled in a courtroom. The service provided by this company, their customer service, and their call-in customer service phone line are substandard and a disgrace. They are completely irresponsible and unprofessional. Please feel free to call Experian and enjoy in the hilarity at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XXXX  regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX XXXX ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the REGIONS BANK account for the month of XXXX XXXX, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

As stipulated by the Fair Credit Reporting Act, I am entitled to receive a response from XXXX within 30 days of the receipt of my letter. This response should include comprehensive documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

More than 30 days have now passed since I sent my initial request, and I have not yet received any of the requested documentation. It is important to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

In light of the fact that the legally mandated timeframe has elapsed without a response, I am formally requesting that XXXX Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX account for XX/XX/XXXX. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

Understanding the significance of accurate credit reporting, I appreciate your prompt attention to this matter. I anticipate a timely response containing the necessary documentation and an outline of the measures taken to rectify the inaccuracies on my credit report. 

Thank you for your cooperation, and I look forward to a swift resolution of this issue.
Product: Debt collection

Balance Credit IS A NON BANK LENDER who launders loans through XXXX BANK ( and other XXXX banks ) in order to attempt to evade state interest rate laws that forbid loans at such predatory rates. These XXXX Bank partners have been the subject of extensive complaints, as well as enforcement actions and private lawsuits. Collectively, the complaints against the loans enabled by the bank reveal : Lack of transparency around high interest rates Unaffordable loans that borrowers are unable to repay Receiving loans that they never applied for and identity theft XXXX debt collection tactics, including collecting debt not owed, failure to validate debts, harassment and abuse Credit reporting problems, including incorrect information and failure to respond to disputes and errors. XXXX Bank enables predatory loans and from allowing itself to be used by nonbank lenders to evade state consumer protection laws. This is illegal and currently under investigation and is also abusive lending practices by XXXX XXXX Bank. As indicated above, XXXX Bank helps number nonbank lenders make triple-digit XXXX loans in states where those loans are illegal such as XXXX XXXX XXXX Some of those lenders also use other banks in some states. ) These rent-a-bank schemes are of questionable legality.
Product: Credit reporting, credit repair services, or other personal consumer reports

CORELOGIC CREDCO LLC hard inquired my credit report that I do not recognize or authorize. I called the number mentioned in the report to enquire about the same but they are asking my credit card number to validate my identity which I feel not legitimate. 

Below is the information that I found on experian account, please check and help me on this. 






CORELOGIC CREDCO LLC Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Debt collection

Found unauthorized accounts on my latest report; please remove and block them without delay.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.