23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a dispute and should not be treated as a dispute but is identity theft. I am a victim of identity theft and submitted all information on XX/XX/2023 because the identity theft items were purchased which is against FCRA laws. Now I am faced with purchased identity theft debt. The information attached, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. It also includes violation of my consumer rights. If these Identity theft accounts were mine, I didnt give these companies the permission to report or sell any information you have on record. So because my rights and privacy is being violated. I am demanding you follow the law and remove/block any information that I have identified as being a result of identity theft. Again not later than ( 4 ) business days after the receipt of such information I have provided to you. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B ( USC 1681A ) of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Also section 605B ( USC 1681c-2 ) ( a ) Clearly states : a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. As you can see, it states from an alleged identity theft and it gives 4 items that must be submitted to the credit agencies for identity theft. Not one of these items states a police report must be included. That within itself is in violation of my consumer rights. I am provided the following per USPS CERTIFIED MAIL : XXXX AND XXXX, XXXX, XXXX A copy of my Identity Theft Report from the FTC Report Number : XXXX and proof of my identity. Completed and Notarized Identity Theft Affidavit Copy of my Identification Proof of residence Again, Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. The accounts, collections and inquiries are listed on the attached document and also listed in my FTC Report and Affidavit. This is not a request for an investigation. This is Identity Theft and by If by any reason you decide not to block or remove. I will be moving forward with a lawsuit for violating my FCRA and Consumer Rights for each identity theft account listed
Product: Credit reporting or other personal consumer reports

My XXXX  loan balance is XXXX they reported XXXX I was denied for my mortgage due to this. They stated this was not their fault and I was a victim of credit report timing. They have cost me my new home.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following negative accounts on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I was sent an E-Mail by Discover Card Services letting me know that my account was being closed due to inactivity on the account. No questions asked, per their E-Mail, " the decision to close your account is final. '' My account balance is and has been {$0.00} for quite some time and I have never been late on this card, or late on any other debt on my credit report for over a decade. My FICO " was '' XXXX prior to this account closure. The E-Mail says XXXX which I believe is considered GOOD credit. 

For the past year, my family and I have been in the process of building a home. The first thing my lender said upon pre-approval was to immediately stop using credit cards or ensure that my existing balances do not increase to keep my FICO scores elevated. 

I am in pure shock that I am being punished by Discover for inactivity. Prior to paying off the account and entering into a purchase contract for our new home, I used the card to take advantage of their offers like any other consumer would. 

What frustrates me is that this will now lower my available credit thus damaging my FICO score. In other words, I am getting punished for being responsible and doing the right thing to ensure we can procure financing for our new home. This decision, will most probably result in a higher interest rate on my mortgage and I have done nothing irresponsible with my finances to deserve this, quite the opposite. 

I will note, that their findings state other factors that are absolutely not true. 

- % of balances to credit limits is too high on revolving accounts ( As of this writing, I am at 26 % of my limit on revolving accounts and my current FICO score substantiates this ) - Length of time revolving accounts have been established ( Yes, I have opened new accounts within the past two years but again, low balance to credit limit, no lates, good FICO score ).
Product: Credit reporting, credit repair services, or other personal consumer reports

N 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI , Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have ignored my request to provided me with the documents that they have in there files that they used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Accounts Navient XXXX XXXX XXXX XXXX XXXX XXXX ( {$13000.00} ) XXXX ( {$47000.00} ) XXXX ( {$20000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Our Lakeview Loan Servicing LLC have failed to pay our XX/XX/XXXX W Taxes from escrow account. I have made several attempts to contact them to resolve this matter with absolutely NO response. I have been calling and have requested management and/or supervisor assistance to no avail! Not even a call back or reply to an email or post on social media. I have been placed on hold over days and weeks for hours and no representatives pick up. 
We have received a notice from our City about the delinquency and tried to resolve with our services with not so much as a concern. We pay our loan on time and they should be held responsible for not paying our taxes on time. 
We need help to get someone to rectify this issue immediately as this company does not and can not provide sevice to their customers. We did not get to chose this service provider, as our VA loan was sold to them. This company should be shut down for operating insuch an irresponsible capacity!!
Product: Credit card

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I have no idea what that is and I want it removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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

XX/XX/year>, I went to forever 21 and they misled me and opened a card without my consent, and when I asked how do I cancel they told me to XXXX it and that I was on my own, and that it wasnt their problem. I asked multiple times if I was opening a credit card and the cashier assured me it was not a credit card but a rewards card and said The credit card and rewards card are two different things.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i submitted a dispute letter to XXXX XXXX espressing the information is inaccurate. 

in accordance with the fair credit reporting act XXXX XXXX acct # 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, credit repair services, or other personal consumer reports

I RECENTLY REVIEW MY CREDIT PROFILE IN FOUND FRAUDULENT ACCOUNT THAT I HAD NO AWARNESS OF AND A PUBLIC RECORD CASE THAT TURN OUT TO BE CHILD SUPPORT AN WHICH I HAVE NO KIDS I WOULD LIKE YOU GUY TO REMOVE THESE FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME THANKS
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> {$15000.00} Dont not exact amount? THIS COMPANY DID NOT WANT TO WORK WITH ME TO MAKE AN PAYMENT ARRANGEMENT THEY TOLD ME THAT MY ACCOUNT HAD MATURED AND I HAVE TO PAY ALL OF IT UP FRONT. I HAD TO NEGOTIATE WITH THEM EVERY MONTH OVER 90 DAYS TO COME UP WITH A SETTLEMENT THEY STILL CHARGE OFF THE ACCOUNT PUTTING ME IN A NEGATIVE / BAD STATUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- Till today ( XX/XX/XXXX ) Bankruptcy Record on credit profile appears as " BANKRUPTCY CLOSED AND DISMISSED '' on EQUIFAX , XXXX AND XXXX XXXX XXXX credit  card  appears as included in bankruptcy chapter XXXX  on XXXX  and XXXX credit profile. 
XXXX XXXX Credit  card  appears as charge off/included in bankruptcy chapter XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been extremely stressed about the business practice of Experian credit bureau. The incorrect reporting of this account has caused numerous denials from creditors due to this incorrect reporting. I have tried since XX/XX/2020 till now to get this account removed from my credit report and I have been ignored. I have submitted letters for removal of this XXXX XXXX credit account from my credit report for years. I was told that if I completed the payment plan this account would be removed within 30 days. This account is still showing on my credit report 2 years later. My credit report is very important to me and my family and this has caused creditors to deny me or give me higher interest rates. I am requesting for this account to be removed immediately from my credit report. I have been treated unfairly by this credit bureau and I feel I am being discriminated against because I am XXXX American. I have documentation from the agency that I paid and there policy clearly states they would request for this account to be deleted from my profile. I am asking for this to be removed and a copy of this update to be sent to me upon completion. I experienced tough financial times when this account was charged off but I have since been in a better financial position. I am a XXXX veteran who really needs this account removed so that I provide a better life for my family and I [ XXXX XXXX ]. I am not asking for a handout but I expected for all parties involved to respect the agreement. Please please please remove this immediately so that me and my family can enjoy the American dream of home ownership.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Reporting of Late Payments and Permissible Purpose Dear [ XXXX XXXX XXXX ], I am writing to formally dispute certain entries on my credit report that indicate late payments. Specifically, I question whether the entity reporting these late payments had a permissible purpose under the Fair Credit Reporting Act ( FCRA ), as codified in 15 U.S.C. 1681 ( b ), to access and report this information.

Under FCRA 15 U.S.C. 1681 ( b ), a consumer reporting agency may furnish a consumer report only under specific circumstances that constitute a permissible purpose. These purposes include, but are not limited to, transactions initiated by the consumer, employment considerations, or other legitimate needs as defined by law. If the entity reporting these late payments accessed or shared my information outside these parameters, they may have violated federal law.

The late payments in question are associated with the following account ( s ) : Creditor Name : XXXX XXXX XXXX XXXX XXXX Date ( s ) of Late Payment ( s ) : XX/XX/XXXX - XXXX XXXX I request that you investigate this matter promptly. Please verify whether the reporting entity had a permissible purpose to access and furnish this information and provide me with documentation supporting their compliance with the FCRA. If the reporting can not be verified or is found to lack a permissible purpose, I demand that these entries be deleted from my credit report immediately.

Furthermore, I request that you notify me of the results of your investigation, as well as any changes made to my credit report, within the time frame prescribed by law.

For your reference, I have attached a copy of my credit report highlighting the disputed entries, along with copies of relevant supporting documentation, including proof of identity.

Thank you for your prompt attention to this matter. 

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

I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX  account number XXXX and XXXX XXXX  XXXX account number XXXX please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to review the complaint regarding the credit report. XXXX continues to furnish a series of late-payments. Accounts with beginning with one through five with a series of inaccurate reporting.
Product: Debt collection

I have received a letter of " Notice Of Court Proceeding To Collect Debt '' from someone representing themselves as Asset Acceptance, LLC   XXXX   XXXX   XXXX    XXXX , MI  XXXX  and no phone number. The address search results in Midland Credit Management Inc. and lists   XXXX   XXXX   XXXX   as a lawyer with the phone number   XXXX  . The letter states that I have fifteen days to do one of three things, otherwise failure to do so will result in garnishment of my wages. 1 ) Pay to us the amount due 2 ) Complete section of form entitled " Payment to Avoid Garnishment '' and 3 ) Contact my local municipal or county court or if I 'm not an Ohio resident then contact a municipal or county court where my employer is located to set up a trustee to receive garnishment. The letter additionally adds that I have the right to contact a budget and debt relief counselor but there may not be enough time to avoid garnishment. I did have a court judgment from Asset Acceptance in  XX/XX/XXXX  and I fully paid off the debt in  XXXX . In fact, my records show that I overpaid them. There were a couple scam things they did and I was foolish enough at the time to believe them which created the overpayment. I have heard nothing from Asset Acceptance for years. They were calling and harassing me for payment for a long time after the account was paid off. They sent statements that had incorrect amounts. One statement dat ed  XX/XX/XXXX  shows a n incorrect balance of {$1200.00} and another statement date d  XX/XX/XXXX  shows n   incorrect balance of {$7100.00}. I have another statement dated XX/XX/XXXX that states my account was transferred to a law firm   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . These were all for the same account number. On XX/XX/XXXX  I received a call from   XXXX   XXXX   (   XXXX      XXXX   ) stating that he wanted to reduce my payments and insisted that he would cancel the current withdrawal from my bank and begin the lesser payment amount. This was untrue as both payments were attempted to be withdrawn from my bank account. Finally during one call from them I spoke to a supervisor and explained the account was not only paid off, it was overpaid and they owed me money. I also told him it was illegal for them to call and harass me about such an old debt. I have all bank statements that show the payments and after looking through them again I realized that they continued to charge interest after the court ordered them not to. What can I do to put an end to this harassment? This has created an amazing amount of anxiety for both my wife and myself. If they contact my employer for garnishment, I will be terminated. My employer has strict rules about garnishment as I work at a   XXXX   XXXX   XXXX   location.
The debt amount they show on the letter is {$540.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix or take care of all the fraud activity on my credit reports thru the credit reporting agencies and they do not want to fix or remove all the fraud acitivities on my report ... ..I have tried to send them speak to them proof of my Identity to show them that it has nothing to do with me and they still have not responded or removed. I have seen fraud of my identity from diffrent states and its unbelievable how it gets put on my credit file and they dont realize that its not me.
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/2023 about NFCU, and they were given extended time to respond ; when I got a notice about their response this weekend, the file was already closed. I had to get information based on their response, and since the file was closed, I could not submit the attached items. 

NFCU reported to the credit bureaus that I agreed with them and applied a payment of XXXX to make it appear that I paid them money. Doing this creates a problem and extends the bad debt when paid in full by third-party insurance. Their fraud department opened another investigation and shared a letter with an investigative team, and then the recovery team stated the accounts were too old to capture information. Therefore, the bank falsified information and should be penalized. The fraud team found the stolen credit card document and information to the insurance company, but the information could not be shared as the account details for internal banking. needed extraction before sharing, which could take up to XXXX weeks due to the age of the accounts. That, information was sent electronically to bureaus in XXXX, stating the accounts were resolved and they should be deleted. Then, after I started this investigation NFCU created a payment plan that was not discussed with me and reported it to the bureaus. Now, we have XXXX accounts that were once deleted back on my report and letters to an investigation agency that say the accounts are resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time when I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and correct them immediately in my report : XXXX XXXX XXXX XXXX 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

Experian deleted my address on my credit report so now, everytime i apply for credit or loan, when they pull up Experian, they can not verify my information because the pull would not return or generate a score or credit report because of missing information. They deleted my address on my credit report without my knowledge or consent. I tried fixing it with them by calling multiple times and uploading documents they need in order to add my address on my credit report but still no solutions. Their representative will give me a wait time for it to get resolved but still nothing is ever done. Meanwhile i can not apply for a car loan because Experian would return an error. Please help me resolve this. Thank you.