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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I went on my credit report and I have some. Unauthorized hard inquiries that I did not authorize. I called the company they say they didn't see where I applied for any loans, but didn't take it off my credit report.
Product: Debt collection

Im reaching out because I received a collection letter from Credence Resource Management , LLC, claiming I owe a debt for XXXX XXXX XXXX. The letter is addressed to me, but it has the wrong last name, and Im confident this debt isnt mine. 

To clear things up, I sent Credence Resource Management a formal dispute letter asking them to verify this debt, including any account details and proof connecting me to it. I also requested that they stop contacting me about this debt until they can verify it, as I believe this is a case of mistaken identity. 

Im concerned this situation could lead to incorrect information on my credit report, especially since theyre contacting me with someone elses name. Im hoping CFPB can help me ensure that Credence Resource Management fully validates this debt or removes it from my record altogether. Thank you for any assistance you can provideI just want to resolve this issue quickly and accurately.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report for each credit bureau and found some names addresses, employer information that are incorrect. To make the process of deletion easier I will provide the information in which each bureau has listed of incorrect addresses, names, and employer on my credit report. 

There should be only one name, one address listed on my credit report. I also noticed my name appears to be misspelled on my credit report. My name only has one correct spelling and there should be no variations listed because my name has no variations.
Product: Credit reporting or other personal consumer reports

I have submitted XXXX letters to complany and still waiting. I call and get placed on hold trying to find out how was the account verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to a Credit Union on XXXX to open a checking & credit card account in a new city where I accepted a promotion with my employer. The Credit Union tried to pull a credit report from Equifax using my social security numbet & last two addresses. Equifax came back & said that the social security number belongs to another customer. Equifax told us to fax a copy of my SS card & Driver 's License to them. The bank helped me do so on XX/XX/XXXX. Equifax stated that even if they receive a fax, that they would ignore it as I have nothing on file. I, again, called Equifax & they stated that I have no name, credit, employer for my SS # ... on file at all, but I had pulled a credit report from Equifax on myself in XX/XX/XXXX. The other 2 credit agencies have my credit info attached correctly to my SS #. I tried to place a dispute on line at Equifax, but there was nothing to dispute as tbey claim to have no information at all on me connected to my SS #. For them, I just do not seem to exist. Equifax asked me to send them a copy of one of their reports that I pulled but I shred them after I review them for accuracy.
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit card or prepaid card

I had Fraud on my checking account for a couple of moths that caused my payment to JCP to be returned in the amount of {$160.00}. I submitted the documents to XXXX XXXX, spoke to them on the phone and all I continue to get is letters in the mail that does not resolve my issue. They waived the late fee and stated that since it was a bank issue do to fraud that they would remove the 30 days late. It still appears as 30 days late on my credit report and I have been denied credit numerous times because of it. I am asking that they remove the 30 day late marker on all 3 of my credit reports.
Product: Debt collection

I contacted the Collection Agency - National Recovery Agency on XX/XX/21 at around XXXX ET. The debt is in the amount of {$1700.00} from XXXX XXXX XXXX. I spoke with a Supervisor named XXXX. I asked for something in writing to indicated after I paid off the debt it would be removed from my Credit Report. He indicated their policy is they Do Not send anything in writing to indicate the debt would be removed. The reason is because he can't guarantee the credit reporting agencies will actually follow through and remove the debt. I asked what assurance do I have they will do what the say after the debt is paid in full. He understood my position but said they would be liable if the debt wasn't removed which is why they won't send anything in writing. 

I just want some assurance they will follow through and send notification to the credit bureau the debt is paid in full. 

Is there anything CFPB can do to help regulate this type of occurrence? would it be possible to require Debt Collectors to provide written documentation to consumers the Credit Reporting Agencies will be notified the debt is paid in full and to remove the debt?
Product: Mortgage

I was assaulted six times. I resigned from my employment for a medical recovery. I am being denied my mortgage insurance. The mortgage company is XXXX mortgage, my mortgage insurance company is Nationatar. The mortgage insurance company is required to make monthly payments until I recover and go back to work. This has not occured consequently my credit report is incorrect and showing negative information about me erroneously. In addition, I am being harassed by the mortgage insurance company, via phone calls, excessive repeative mail and property damage to my home and attempting to steal home and allu equity from my home. Violation of antitrust laws as a single woman.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report due to fraudulent activity linked to a data breach. As a victim of this breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts and inquiries removed from my credit file. 
The following accounts should be blocked and deleted : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Im writing to formally request that Equifax block certain information on my credit report due to identity theft and fraud, in line with FCRA 605B ( 15 U.S.C. 1681c-2 ).

Here are the fraudulent accounts I need removed : 1. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$5100.00}, seemingly related to credit card at XXXX XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$7400.00}, seemingly related to credit card at XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$1800.00}, likely linked to the personal loan account at XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$2500.00}, seemingly related to credit card at XXXX  XXXX. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer FICO credit report. I've attached a list of the hard inquiries in question, as well as a copy of my consumer FICO credit report from Equifax showing these fraudulent items.

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] as proof from the US Federal Trade Commission confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Student loan

I applied for the income-driven repayment SAVE repayment plan through the studentaid.gov website on XX/XX/XXXX, the same day I applied for PSLF with my employer information. When I applied, it was estimated I would owe XXXX XXXXXXXX on the SAVE plan due to my previous tax information. At the time, my loan servicer was XXXX, who I have never had issues with. I then received notification my loans were being transferred to MOHELA. I began receiving different billing statements from MOHELA, one stating I owed {$350.00} on XX/XX/XXXX, and another stating I owed upwards of {$850.00} in XXXX of XXXX. I reapplied for SAVE on XX/XX/XXXX and XX/XX/XXXX after contacting studentaid.gov and being told they did not have any information and I would need to reach out to MOHELA. I was unable to contact MOHELA. I waited on hold for hours before having to hang up due to working. I sent an email and received notification back that I would hear back in two business days, but weeks later I still have not received a response. Finally, I called and waited on hold for upwards of two hours on XX/XX/XXXX and spoke to a MOHELA rep who told me my initial SAVE application from XXXX was probably " lost in the transfer '' and that it was good I resubmitted a SAVE application on XX/XX/XXXX. This rep told me it would only take 5-7 business days to process my SAVE application and I would not have to pay any of the payments I was billed for in XXXX. After XXXX business days went by with no notifications, I called and sat on hold with MOHELA for three hours to be told that it would actually take 90 days to process my SAVE application and I was already being auto-debited in the mean time for the {$350.00} bill. I asked if there was any way this could be cancelled due to this being an error on the part of MOHELA, and I was told that they didn't know. As a XXXX XXXX new out of XXXX school, this payment is not realistic for me. I feel as though MOHELA can not give me clear answers as to what happened to my original SAVE application and I am told conflicting information each time I call. Their mistakes are costing me money I do not have and I need clarification on where my loans are at.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to see any resolution or corrective action taken. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative impact of these inaccuracies has caused immense hardships, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a thorough investigation be conducted into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name XXXX XXXX XXXX  Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

XXXX - XXXX used Lexington law Credit service to fix my report prior to purchasing my house. I was charged up front fees and monthly and my report still is a disaster. They did nothing that helped but unpaid a ton
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the 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 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 received a confirmation ( # XXXX ) letter dated XX/XX/2020 from Equifax regarding XXXX XXXX XXXX ( Account # XXXX ) informing me that my dispute for inaccuracy and incomplete information regarding was complete. 

In the letter ( pg. 3 attached ) it is noted by Equifax, the date of last activity has been updated. In the letter ( pg.4 attached ) the date of last activity field is missing the information Equifax stated was updated. 

I have previously asked them to remove account due to inaccuracy, which is now required by law, under the FCRA Sect 611. Request for immediate deletion of account from my credit file due to unverifiable information, per FCRA Sect 611.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$1800.00} XXXX XXXXXXXX Balance {$36000.00} XXXX XXXX Balance {$0.00}
Product: Mortgage

New Penn agreed to fund our loan on XX/XX/XXXX and they were told immediately we had a non-occupant co -borrower. We provided all required asset and income information and we met every condition. The appraisal was ordered by New Penn and the house met the appraisal amount required. New Penn called me to confirm information and congratulated me on the home loan. New Penn told my broker to expect documents to sign on X/XX/17. Today X/XX/17, we were told they would not fund the loan because of the non-occupant co borrower ( which they knew about in XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputes Net credit account credit account which is over seven years on my XXXX credit reports and XXXX said it was verified as accurate. I am trying to get clearance job and was rejected because of this. 
I reside in Virginia and the Status of Limitation is 5 years for this debt. I was never sued and this debt should be off my credits seven years ago. Net credit keep reporting inaccurate information on my account and they need tot stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my accounts, They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ). I don't know where you got the following accounts. These oversights on your part are causing me a lot of trouble financially.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXXXX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XXXX XX/XX/XXXXAccount Number : XXXX and list of Inquiries. 

XXXX XX/XX/XXXX15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

While on vacation in XXXX my card was stolen on or around XXXX XXXX and over {$3000.00} of charges made without my knowledge over two weeks before I became aware of the fraudulent charges. I did not realise my card was missing as I had recently asked for a replacement card as my credit card chip was not working intermittently and I thought the card in my wallet was the new card but in fact it was the one. I would also note Citi did flag some charges and send an email/text as potentially fraudulent but DID NOT disable the card despite not hearing from me to confirm if they were real or not. I did not receive these messages as from the XXXX XXXX until the XXXX XXXX I was sailing up and down the cost of XXXX, stopping only at remote villages with no cell phone of internet service. Most of the charges appear to have been made in XXXX XXXX, a place I was XXXX miles away from. I reported the fraud to citi as soon I became aware of the charges but citi denied the dispute bc I said I was not 100 % sure if the card I still had was the old one or new one when I first reported it. The card have identical numbers, expiration etc. so I am not sure how I was supposed to know at that time. I only realised what had happened when I could not find XXXX cards in my luggage and I knew that I had both the old card and replacement with me when I arrived in XXXX. These charges were not made by myself or anyone else on the account and citi states that cardmembers have {$0.00} liability on such charges. This is clearly a false statement as they will deny valid disputes with little to no investigation. There are actually multiple active lawsuits against citi due to these practices brought by various state AGs.