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

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and address I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My name is XXXX XXXX, My social security number is XXXX, My Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), personal credit card account opened at XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, and another credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. I do not recognize the aforementioned accounts as eported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

Several months ago a collection agency named IC System contacted me about a debt with XXXX. The address of the service was XXXX XXXX XXXX in XXXX, North Dakota. I have never lived at this address and disputed it through XXXX. All they replied is that IC System has confirmed the debt as good. You can look up anything about my history and never has the address XXXX XXXX XXXX has never been a place where I have resided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I used a COVID 19 relief program with Chrysler capital to defer my payments for a few months. While setting up this program I was told that auto payments would resume at the end of the term. This did not happen. Chrysler Capital did not contact me or send me any statements or letters after my deferral was up. I got a bill after 45 days saying I owe 2 payments XXXX $ I immediately called them and asked why my account was past due. I payed the XXXX $ immediately and set up auto payments. During this call I spoke with a supervisor who assured me this wasnt my fault and it was Chrysler capitals fault. I then noticed a week later that my credit score was affected by this mistake. I called Chrysler cap, explaining the issue and the employee assured me that they would contact the credit department and remove this from my score. Month goes by and no changes. I filed a despite with XXXX XXXX explaining that this was a mistake due to natural disaster. ( There is a note on my credit report confirming this ) transition denied my dispute. From here I called Chrysler cap. transferring from department to department till I got to the central office for disputes. I spoke the the manager here and he agreed that this situation is their fault and said he would launch an investigation. It has been months since I last spoke to him and he wont return my voicemails. I have tried everything to set this situation straight and I feel like this company is being unfair and dishonest. This has affected my credit score and Im very upset with the lack of accountability on their end. Please for the love of god help me resolve this situation.
Product: Credit reporting or other personal consumer reports

Dear Equifax I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is DOB : XX/XX/XXXX. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


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

I recently checked my credit report and saw accounts reporting that I DO NOT recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, account XXXXXXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This is my numerous 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 alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX STABLE XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX PA XXXX Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of this inquiry contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor.

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or
indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report.

Fact, nowhere in federal law is it written that a debt collector or consumer reporting agency must report any information to a consumer report regarding a consumer except under the written instructions of the consumer and I, XXXX XXXX am in fact the consumer and did not give any consumer reporting agency written instructions to report any information to any consumer report Please remove this inquiry from my consumer report immediately as it is not only an invasion of my privacy as said so by congress under the FDCPA, and FCRA, but is also causing a substantial amount of harm and inconvenience to me as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

have asked XXXX to validate, and have not received any response. also asked transunion to verify, there response is it meets requirement but fail to show proof. 
I have asked several times with certified letter to provied me a document that bears my signature that this debt is mine from both XXXX and XXXX and have not received any such documents. as this is my last step to take prior to filing a civil action against both companys. if need be i can provide proof of dispute delivery
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that an account not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with 3 major credit bureaus XXXX, XXXX and Transunion. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my health insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX 's XXXX confirmed payment for date of service XX/XX/XXXX.
Product: Debt collection

I have been receiving repeated calls by  Portfolio Recovery  since   XXXX   XXXX    2017 a t  XXXX . This company reported an account from   XXXX   XXXX    XXXX   XXXX   on   XXXX   XXXX    2017 in the am ount of {$1700.00}. This collection agency is in violation of FDCP A 809 ( a )  for not providing a collection notice within 5 days after initial communication. This was not done 5 days after the initial call, nor 5 days after reporting it to the  Credit  reporting agencies.
Product: Credit reporting or other personal consumer reports

Experian has not follow the laws the personal information. I will like the personal information the Fair Credit Reporting Act you are required
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry that I believe to be inaccurate/unauthorized, and I request that it be promptly investigated and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX ending in # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Please provide a copy of a signed contract with my name saying this is my debt. 
Remove from XXXX. XXXX, and XXXX  immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported inaccurate information my XXXX XXXX and XXXX consumer report. I have been a victim of identity theft by these following accounts ; XXXX XXXX account number : XXXX Contribution ref # : XXXX, they reported checking account fraud which is false i physically never open a account with them. This is inaccurate information reporting on my report please have them remove this information off my report. incident date XX/XX/2020 another identity theft incident with another banking institution is ''BANK MOBILE '' Account # XXXX i never opened a account with this institution or held any security 's with them please remove this inaccurate information off my consumer report thanks.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/2024 Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2024 Delete this account XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Delete this account 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Delete this account XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 Delete this account XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2024 Delete this account XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX of inquiry : XX/XX/2024 Delete this account XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 Delete this account XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Delete this account
Product: Debt collection

I called XXXX XXXX for a homeowner insurance quote last year in XX/XX/year>, however, I went with a different company and they have been sending collection notices and I called them as soon as I received a past due notice and asked why they were sending me a notice if I never agreed or accepted policy. They said they would clear situation and provide proof Im writing. However they have now sent account to collection company and they have reported to my credit report.
Product: Credit card

Well, back in XX/XX/XXXX I have XXXX XXXXXXXX. I XXXX XXXX XXXX XXXX so I couldnt pay the bill so I didnt pay my credit card my card no car insurance none of that. Nobody have access to none of my accounts in my family so the credit card company close my account took my {$2100.00} saying it was for purchases that accrue the interest in fees, but I said to them was I XXXX XXXX XXXX XXXX so how I pay something if XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I start making payments on my credit card and I couldnt figure out Im making these payments but none of my money was showing available balance so I called them up and they told me what they did but I told him they couldnt do that because XXXX XXXX XXXX XXXX XXXX  and I told him to reestablish my credit card and reopen my account because I XXXX XXXX XXXX XXXX and they told me he couldnt do it
Product: Credit reporting or other personal consumer reports

I tried to set up a credit freeze with experian. I could not get into an account. I got a message that my social security number and date of birth did not match. This suggests a problem but I could not reach a live person to talk to about it. The automated system kept telling me it could only refer calls in limited circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes through the MYEQUIFAX.COM website for removal of the following inquiries. Their investigation are incomplete. I am was never furnished proof that the inquiries belonged to me. Equifax failed to complete a full investigation Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I )
Product: Mortgage

Shellpoint Mortgage has granted a 2 week stay of the foreclosure sale of this property. We have an offer to submit. However, repeated calls to Shellpoint Mortgage are not returned. Similar circumstances have prompted previous complaints ( XXXX ). Reached the Loss Mitigation Department, in the XXXX SC office, only to find out that only a certain team is handling this file. No one can provide an update, nor could anyone assist. It turns out that the " Special Team '' handling this file, which the investor is XXXX XXXX XXXX, is based in XXXX, Texas, and that QUOTE : " no work is being done at the XXXX  Office, due to the flooding, until further notice ''.
We have an offer, and no Shellpoint Staff is available to work this short sale.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax in regards to being a data breach and being victim of idenity theft/fraud and them reporting XXXX acounts negatively affecting me.under 15usc1681 c-2 they have to block/delete these accounts within XXXX business days of receiving this complaint.acount # XXXX XXXX  acount # XXXX balance of {$26000.00} opened on XX/XX/XXXX acount # XXXX XXXX  XXXX  acount # XXXX balance {$1400.00} opened on XXXX XXXX acount # XXXX XXXX  acount # XXXX balance {$63.00} opened on XXXX XXXX I have attached ftc report # XXXX as proof.please delete these accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a written dispute letter challenging XXXX Transunion XXXX inaccurate reporting of my consumer credit report. Their are still Accounts that appears to be reported as verified and updated. However, these accounts are still unrecognizable by me. I not saying that they are fraudulent but I just don't recognize these accounts. Please see attachments. 

XXXX  XXXX XXXX - I am challenging this account because it is unknown and I do not recognize the original creditor. Please remove Account effective immediately XXXX  XXXX XXXX XXXX This Account I do not recognize and is ( unknown ) please remove Account at once.