23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1000.00} XX/XX/year> I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to dispute the accuracy and completeness of certain hard inquiries listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into the following inquiries : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Inquiry Date : XX/XX/2023 XXXX XXXX Inquiry Date : XX/XX/2023 I believe that these inquiries are inaccurate and/or incomplete. As a consumer, I have the right to ensure the information contained in my credit report is fair, accurate, and substantiated. I am requesting your assistance in verifying the accuracy and completeness of the inquiry history associated by conducting a re-investigation. 

Please provide the following information : Verification of the purpose of each inquiry. 
Documentation substantiating that I provided consent for each inquiry. 
Verification of the date and time of each inquiry. 
Confirmation that the information reported is complete and accurate. 

I understand that you are obligated under the FCRA to conduct a reasonable investigation within 30 days of receiving this dispute. I kindly request that you notify me in writing of the results of your investigation, including any changes made to my credit report as a result of the inquiry verification. 

Additionally, I am attaching a copy of my identification for your reference. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your cooperation in ensuring the accuracy of my credit report. 

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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : DELETE HARD INQUIRIES INMEDIATLY PLEASE. THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Midland Credit Management has been calling me multiple times a day, refusing to leave me any kind of voice message, threatening to take me to court over the money I supposedly " owe '' them, and is refusing to provide me with any substantial evidence that proves it is my responsibility. I've written both a Cease and Desist along with a Validation of Debt letter, but they are continuing to harass me and threaten legal fees any time I try to communicate with them about their shortcomings and the illegal practices they are continuing to do to bully any sort of payment out of me for an alleged debt.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

These addresses do not belong to me and ive never lived there. 

XXXX XXXX XXXX  XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX, HI XXXX
Product: Vehicle loan or lease

We leased a XXXX XXXX XXXX in XX/XX/XXXX, and had our lease financed through JP Morgan Chase. We just purchased the vehicle from that same bank because the lease was coming to an end in XX/XX/XXXX. We submitted all the forms they requested and a check for {$23000.00}. In the odometer statement we were required to fill out, we wrote our odometer reading of XXXX miles. 

We just received the certificate of title from JP Morgan Chase and they wrote an incorrect number for the odometer reading. They wrote XXXX miles. 

Obviously, this is a HUGE problem as it in incorrect. We contacted the bank tonight and spoke with both XXXX, a customer service agent, and XXXX 's manager XXXX, who told us that the bank would re-issue the certificate of title. 

I wanted to let you know that : 1 ) The incorrect odometer reading significantly reduces the value of the car because it reflects a much more used car than it is in reality, and affects us the consumer after we had meticulously cared for the car and kept it well under the annual mileage limit we agreed to of XXXX. 
XXXX ) It's incorrect information written on the odometer statement, which according to the document is a false statement and " misdemeanor '' XXXX ) When we called the bank tonight to complain, they asked us to patiently wait for them to send us an affidavit correcting the mileage on the certificate of title. When I asked the agent whether the NY XXXX would accept the document, he did not and did not appear able or willing to research this. 
XXXX ) We asked to speak with his manager. We again asked whether NY State would accept affidavits. XXXX looked this up and said that an affidavit would NOT be accepted in the state of New York, and that he would work with the titling department at JP Morgan Chase and the NY XXXX to re-issue the title. 

I am somewhat preemptively filing this complaint. I truly hope that JP Morgan Chase does right by us and fixes the problem. I think nonetheless it's problematic that it's the consumer 's responsibility to fix a problem the bank created out of sloppiness. It's also a concern of mine that without this complaint, the problem won't get fixed to resolution. 

I'm attaching a XXXX of the title Chase sent as well as an image of our odometer in the XXXX we purchased showing the correct mileage.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( XXXX  ), this disputed item XXXX not appear on my credit report if it can not be supported by any evidence. 

XXXX XXXX Code XXXX - Civil Liability for Willful Noncompliance, XXXX XXXX Code XXXX - Civil Liability for Negligent Noncompliance, and XXXX XXXX Code XXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA XXXX XXXX. XXXX ( XXXX ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of XXXX XXXX. XXXX ( d ) ( XXXX ). 

Accounts listed below in green XXXX highlighted and tag as in violation under XXXX XXXX XXXX XXXX ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States XXXX Law ( TILA, XXXX XXXX Code XXXX ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

For EXPERIAN. These companies have fraudulently pulled my credit without my authorization. I believe this is fraud. I need these inquiries removed immediately or I will take further action. I have contacted these companies for weeks and nobody is responding to me. Please look into this as soon as possible. Thanks. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am XXXX and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and the following accounts were fraudulently opened in my name without my knowledge or consent : XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ). 

I did not authorize or apply for these accounts, nor have I ever conducted business with these companies. Despite disputing these accounts with the credit bureaus, they remain on my credit report, negatively impacting my credit profile. I have provided an FTC Identity Theft Report and a government-issued ID as proof of the fraud. I am requesting that these accounts be permanently removed from my credit report as required under FCRA 605B.
Product: Credit reporting or other personal consumer reports

sonal Statement Personal Statement Personal Statement Personal Statement i have filed form XXXX with the irs.gov. The perpetrator ( s ) filed IRS tax return using my SSN which has damaged me furthermore the perpetrator ( s ) have obtained from the Data Breach my personal information which has resulted in negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on Experian, XXXX and XXXX. Pursuant to Title 15 USC 1692G, 1692K et seq FCRA 605B 15 USC 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and to formally request that you take immediate action to block and delete the accounts and inquiries listed below from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were affected by the data breach, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have them removed from my credit history. 
The affected accounts are as follows : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} Additionally, the following inquiries should be blocked and removed from my credit report : XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I PULLED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING PLACED BACK ON MY CREDIT REPORT AFTER BEING INVESTIGATED AND UNVERIFIED. THIS IS COMPLETELY ILLEGAL, AND IN VIOLATION OF 15 USC 1681I ( 2 ) A, I DID NOT RECEIVE ANY WRITTEN NOTIFICATION NOR WITHIN THE 5 BUSINESS DAYS TIME FRAME. I SENT EACH BUREAU A LETTER CERTIFIED MAIL TO ATTEMPT TO RESOLVE THE ISSUE WITH NO FORMAL RESPONSE. 

AS REPORTED BEFORE THIS ACCOUNTS ARE THE DIRECT RESULT OF IDENTITY THEFT AND REPORTING THESE TYPE OF ACCOUNTS TO MY CONSUMER PROFILE IS IN VIOLATION OF 15 USC 1681C-2 THE CREDIT REPORTING AGENCIES HAVE THE LEGAL OBLIGATION OF REPORTING MAXIMUM ACCURACY, WHICH IS GOVERNED BY 15 USC 1681E ( B ) AS REQUESTED PREVIOUSLY, I WOULD LIKE ALL INCORRECT NAMES AND ADDRESSES REMOVED FROM MY CONSUMER PROFILE TO PREVENT INACCURATE REPORTING AND THEFT ACCOUNTS.
Product: Debt collection

I was XXXX  years of age when XXXXXXXX XXXX XXXX  filed for eviction under non payment of rent. I did in fact pay the rent they sent the payment back. They said they couldnt take payment until I paid for XXXX  damage. I did not have insurance and asked to be put on a payment plan ( added money on monthly rent ). They denied my request. They tried to charge me over XXXX for XXXX  damage that I got an estimated cost of XXXX to fix by a contractor. They said they werent going to go to anyone I chose. They had XXXX different people come out to view the damage and this man and his wife who didnt have a professional company came to fix it. It still wasnt fixed yet they still tried to charge me. They said I was being charged for the consultation fees from all XXXX  businesses and XXXX for a tree. I didnt agree with the charged so we went to court. Soon arriving to court alone ( I had a roommate that was on the lease ). They pulled me to the side with their lawyer before we even got in the court room and said if I left the property within 14 days they would drop the eviction and I wouldnt be charged for damages. I agreed but unfortunately I didnt sign papers. I left within a week. They then waited XXXX  months to file a charge on my credit saying I owed them money. I didnt see it until years later when I applied for a new place. It was filed under eviction on my credit report. Again the charges never went through. At the time I noticed the charge and negative effects of my credit report it was now with another company I had no awareness of. I disputed this on my credit and I was denied because it said the company said it was an accurate charge. Yet I had never agreed to this charge or been aware of it. I contacted the company saying I never agreed to any charges and I definitely didnt agree to charges with them. They said they had bought the debt and the charges were valid. I told them they werent valid due to the eviction being dropped. They sent all the court documents that stated the eviction was dropped and I was not responsible for any payments. It didnt even have my full name correct but still it showed I owed nothing. They sent an invoice of all the charges saying I had left XXXX  in damage but none of them being the XXXX  damage. I have pictures of before I rented the space but sadly not when I left. Still in yet these charges are still invalid. I would like them to be removed because Im now XXXX  years of age and I cant even get an apartment in the worst parts of town because of this on my credit report. I keep trying to dispute it and nothing. I have the court documents and I have all the charges they gave before I left and the record of me paying rent and them sending it back.
Product: Credit reporting or other personal consumer reports

I HAVE MADE ATTEMPTS TO DELETE ALL INQUIRIES WHICH ARE REPORTING NEGATIVELY ON MY CREDIT REPORT As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. I HAVE MAILED ALL DOCUMENTS IN WHICH WHERE RECIEVED THROUGH CERTIFIED MAILING
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being reported as a charge off from XXXX yet I have a letter from them stating that this account was not opened by me I never used said account that I am not responsible for said account and that it is to be removed from all credit reports. Since this letter they have opened and closed accounts in violation off the law and their own admission. Now I have seen they open another account again not opened by me. And have put it in charge off. They claim that now it was not a fraudulent account even though they have sent me a letter confirming I am not responsible for the original and all accounts opened by them not me. They refuse to send me copies of all signed papers of the opening of these accounts that I never opened and they have charged off I am forwarding the letter stating that I am not responsible for any account. They even have accounts made up when I wasnt even living in America. I can show you my proof that I was living in XXXX.. I have other violations that I will send separately.
Product: Debt collection

A certified letter was mailed to XXXX on XX/XX/23 to validate this alleged debt ( letter is attached ). XXXX has responded with only copies of statements. According to consumer credit laws this DOES NOT validate a debt. XXXX is NOT the original creditor and I have NEVER done business with this company. I have not seen a contract with my wet signature. Please provide the proper documentation to collect on this debt.
Product: Credit card

My wallet was stolen in XXXX and between XXXX and XXXX, someone opened several accounts and personal loans with my identity. I paid off one of the debts although I had XXXX knowledge of it. I paid XXXX XXXX XXXX on behalf of Discover It Card, although I stated to them then that I didnt agree with it and request it be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this matter with Equifax a number of times submitted prof this was paid in full. But Equifax as ignored my complaint and has not remove XXXX XXXX XXXX XXXX still shows me as owing money. I need XXXX XXXX XXXX XXXX ending in XXXX. I am contacting a Attorney if they don't delete this.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX
Product: Credit reporting

There is a business item on my personal credit file and outdated. I have disputed and Experian still has listed. The account is XXXX Bank XXXX XXXX This is outdated ( past the statute ) and should not be on my personal credit file. Action is needed