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

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXX/XX/XXXX Balance : - XXXXXX/XX/XXXXXXXX Balance : {$4500.00} XXXXXX/XX/XXXX XXXX XXXX Balance : {$3300.00}XX/XX/XXXX XXXX : {$0.00} XX/XX/XXXXXXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX obtained my TransUnion credit report without any authorization. 

I have requested proof or authorization of the credit inquiry, and nothing is provided.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently the copy of my credit report sent to me by your company and found that you are reporting the below account ( s ) as valid debts when they are in fact out of statue and they are past the 10 year reporting time as allowed under the Fair Credit Reporting Act for closed positive accounts. The reporting of these accounts are suppressing my debt to income ratio and preventing me from obtaining a montage.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CREDIT COLL, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that CREDIT COLL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for CREDIT COLL to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that CREDIT COLL immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that CREDIT COLL will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation have disputed information on my credit report leaving inaccurate and unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These values are line with my experience where experian has not neither corrected are removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action two amen I remove the disputed accounts as experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

It has come to my attention this company has furnished a late payment to my consumer report. For the month of XX/XX/scrub>XX/XX/2024 XX/XX/2024.

The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I HAVE NOT provided this company any writing permission. to furnish any of this information.
Product: Debt collection

XXXXXXXX XXXX is the original creditor. Pro collect Inc is the collection agency that bought the debt from XXXX XXXX. I apologize I had to submit a different complaint. I have been seeking information for both parties including the most important delinquency date, the date the the account became delinquent. I spoke with XXXX XXXX the can not provide written information about it, but was told the the delinquency date was XX/XX/2014. For Pro Collect Inc. up to now I have not had luck for them to send me this information. I have disputed this account to the XXXX Credit bureaus. XXXX, XXXX, and XXXX and get in response that the information Pro Collect inc is accurate. XXXX XXXX is deleted from my credit Report due to the fact that is has been more than XXXX years and by law it has to be deleted from the credit report. Now the issue is Pro Collect Inc. As I know the Delinquent date will not change no matter when they purchase this debt. What I am trying to obtain is written information from both parties stating these date and balances, so I can have proof to the Credit Bureau that this account ( Pro Collect Inc ) has to be removed by law from my credit report if the delinquency date is XX/XX/2014 as XXXX XXXX stated. Please help in this matter, since I am not getting any response from them. Thank you
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specic answers to the specic quesons asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit le that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

Experian has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX # XXXX ... It appears that Experian changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered. Experian has also " admitted '' that there was a security breach via XXXX.
Product: Debt collection

Company tries to collect claiming they are from American Express but in reality they are a 3rd party collection company. Its a misrepresentation and an unfair debt collection tactic.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

There is a collection account in my report that i don't recognize and its creditor. This is fraud and i want it to be removed as soon as possible. I have the right to have an accurate reporting per FCRA. Please remove it XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/year> 2022
Product: Mortgage

I had an FHA loan with XXXX XXXX. I went through a Loss Mitigation claim and won, and my loan was refinanced and recorded in the court in XX/XX/2019. That same month, the loan was acquired by Lakeview Loan Servicing. It has taken XXXX XXXX over 6 months to get my loan information over to Lakeview, and now Lakeview has taken 3 months to update my account. In the meantime, I have made every payment since XX/XX/2019 to Lakeview in accordance with the refinanced loan agreement. Lakeview has reported me to the credit bureau as delinquent which significantly dropped by credit. That domino effect caused by other credit accounts to drop my limit which again dropped my credit because it makes it seem like I'm utilizing more of my credit than I really was. Lakeview also misapplied all payments made since XXXX. No one can give me an answer, no one can give me a timeline of when it will all be fixed, I just keep having to pay for it and receiving daily phone calls from Lakeview saying I am delinquent on my loan. I call them every two weeks and never get a resolution. I am ready to speak with an attorney for these lenders ruining my credit and my life.
Product: Debt collection

WITHOUT PREJUDICE Before any financial institution reports any of my information there are proper conditions and procedures that first MUST be met by law before they do any reporting. Any contract I had with Credit Acceptance XXXX  is now Null and Void due to the facts they failed to provide the following disclosures during the initial communication, and failed to explain how I can exercise my rights as the consumer to opt out of the unfair reporting and collection activities. 

I know I am entitled to the right to privacy which means I have the RIGHT to opt out of any of my information being reported to any and all non affiliated third party agencies, due to the fact every financial institution has the obligation to respect the privacy of it's customers and to protect the security and the confidentiality of those customers non personal public information. Also, to protect from unauthorized access or use of such records or information which could result in harm, or inconvenience to any customer. 

( This includes primarily XXXX, XXXX & XXXX, plus all the other consumer reporting agencies collecting my information ) Now, this is NOT an option given by Congress under the Privacy Obligation Policy 15 usc 6801 & 15 usc 6802 b ( a, b, & c ). Here are the violations that have caused me to suffer unfair and inaccurate reporting on my consumer reports/files.

Violation 1. 15 usc 6802 B ( a ) clearly and conspicuously disclose to the consumer in writing that they are going to report any information.

Violation 2. 15 usc 6802 B ( b ) the consumer must be given disclosure that there is opportunity before the reporting begins to not have that information reported.

Violation 3. 15 usc 6802 B ( c ) the consumer must be given an explanation on how to exercise the right to the non disclosure option.

I have contacted them sending letters about these grave errors and other unfair collection activities demanding they cease collection attempts, meanwhile nothing has been peacefully resolved as they continue to violate my consumer rights and fail to acknowledge my written consent to stop furnishing inaccurate information that is not permissible. I know that if they have any reason to believe that any information being reported is not accurate, they must Delete and Block any further reporting pursuant 15 usc 1692g ( c ) and that they also must have my consent in writing to report or delete anything ( 15 usc 1681b ( a 2 ) and I only gave them permission to cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a some addresses on my report that are not mine. 
My name is XXXX XXXX XXXX please remove any other variation. 
My company is XXXX XXXX ( XXXX XXXX ) My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE/REMOVE ALL OTHERS ADDRESSES XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Prepaid card

My information on my Vault payroll card was hacked and XXXX exactly was spent at a XXXX on XXXX, over XXXX miles from where I live, and my physical card was in my possession, not loaned out and none of my info was given out by me. No one at this Vault company will cooperate with me when I ask to speak to a supervisor or investigator, there is never anyone to speak to. They refuse to speak to me, refuse to even contemplate returning my stolen funds, I even contacted my company payroll department and Vault wont cooperate with them either. roughly 24 hours after I reported my info stolen, I received the denial letters in the mail. They are doing everything in their power to keep my money and they are not wanting to help me at all. I can provide copies of the transaction, the emails I sent to Vault, and the copy of the denial letter they sent me if needed. Please do what you can, thank you.
Product: Credit card or prepaid card

I have a credit card with JC Penney I had late payments in the past due to financial hardship being unemployed I fell behind on payment due to not having the money to pay I have been current with them for the past 3 yrs now and they have increased my limit but will not remove late payments stated they are unable to do that with the credit bureaus
Product: Debt collection

The number XXXX continually calls me, my parents, and my work asking for me. I do not owe the amount of debt they say I do and call multiple times per day. A " XXXX XXXX '' is the caller.
Product: Checking or savings account

I always have a hard time receiving my check. My check was uploaded late and I have to pay bills and eat!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently XXXX XXXX wrote back to me, and addressed my concern about a late payment in XX/XX/2018 and I was told to forward that letter to XXXX  and Equifax ... XXXX and Equifax still will not remove the late payment ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Nine months ago, this company name CACH , LLC, C/O Resurgent Capital Services located at XXXX. XXXX XXXX in XXXX, SC XXXX started reporting a debt on my credit report from XXXX XXXX in the amount of {$730.00}. I contacted them and they stated they were hired by XXXX XXXX to collect on this debt. I contacted XXXX XXXX since I have several accounts with them and they indicated that this account was opened in XX/XX/2011. I personally do not remember the account but nonetheless, it is literally far beyond the statute of limitations for collections as well as the ability to report to the credit reporting agencies. I have written two letters to this company and they will not remove this item from my credit report. They are in violation of provisions of the FDCPA by implying that the legal status of this debt is collectible by reporting the alleged debt to XXXX, XXXX XXXX and XXXX. This has caused me a great deal of problems trying to get this removed. I have also written the Chief Executive Officers of XXXX, XXXX and XXXX in regards to this discrepancy. I have yet to hear any response from them yet. 

I am asking tremendously for your help in resolving this matter. This is totally unfair and in clear violation of consumer protection laws. Please help me resolve this matter as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a recent victim of identity theft. I am a consumer pursuant of 15 USC 1692-A3. XXXX, Transunion and XXXX  are in violation of 15 USC 1681 ( B ) ( D ) ( G ) ; failure to delete requested accounts, names, addresses and inquiries related to identity theft. Please remove requested accounts, names, addresses and inquiries. An FTC/Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 



Department of Education : Account # XXXX Amount {$49000.00} XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX/XXXX XXXX : Account # XXXX Amount {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MIXXXX
Product: Credit reporting or other personal consumer reports

I had recieved a letter from the Department of Education that all my student loans were forgiven due to my current and XXXX  XXXX. XX/XX/year>, as the statement states that all my accumulated student loans were forgiven. I still see my account being active and I still see on the Student loan and MHOELA website my loans are still active. It also shows up on all of the XXXX major credit agencies.
Product: Mortgage

Citi misposted late payments to XXXX of my old mortgage accounts late XXXX and XXXX. I submitted a complaint in XXXX XXXX ( Case # XXXX ). Citi agreed that those late payments were posted in error and agreed to correct my credit history with the XXXX bureaus. However, I pulled my own credit report this morning, and to my disgust, I learned that Citi has re-aged those XXXX accounts to reflect recent activity that I have not had, which means that these accounts will not drop off my credit until XXXX. Re-aging accounts is unethical and illegal. XXXX of the accounts was due to be removed this month ( due to age ), and the other XXXX is due to be removed XXXX. The clock should NOT be reset because they are correcting something that they have posted in error. I have had XXXX activity on these accounts for many years. Instead, Citi has decided to show these XXXX accounts as charged off in XXXX XXXX - THIS IS INCORRECT!!!! All they had to do was remove the late payments that were erroneously posted. This lender is trying to disable me from ever being able to buy a house for me and my family by continuing to destroy my credit!!!! I am a single mother of XXXX young children, and I have been working very hard to recover from a divorce and period of unemployment - please stop punishing me by pummeling my credit score.
Product: Checking or savings account

I received an email from Citizens online bank. The email notified me that an account was opened up in my name. i called the bank and they have closed the account, but then I received an email from a credit card application after. This happened as of XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX.