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

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed a fraudulent inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I wrote a letter to TransUnion asking them to remove information on a collection account that does not belong to my profile. 

I had previously written a letter to XXXX XXXX XXXX, the reporting company, asking them to provide a copy of the signed contract for this account, as well as other Debt validation docuuments. They failed to provide the requested documentation. I also sent a follow up letter letting XXXX know that they were missing required documentation and as such they needed to stop all collection efforts, including reporting to Credit Bureaus, but they have ignore my request. 

When I open my dispute with Transunion, I provided copies of my letter and their responses as prove of my dispute. 

Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) Credit Bureaus are required to remove all accounts currently under dispute. XXXX has failed to remove the account from my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX, I e-mailed Brite Financial requesting a payoff amount for me to purchase my vehicle at the end of my lease. They quoted me a payoff in the amount of {$5100.00}, minus the {$1000.00} security deposit, i.e., {$4100.00}. According to Brite, this payoff amount was good for 10 calendar days. 

Prior to the XXXX, I had called Brite for a payoff and could not reach anyone because their customer service line was down. I also went in person to a Carite location ( Carite being the dealership that I went to to lease the vehicle, which dealership finances via Brite ) to ask for the payoff. They then e-mailed Brite to inform them I was trying to finalize the end of my lease. They also told me they were unable to reach Brite on  the phone due to the same phone issues I had already faced. 

On XX/XX/XXXX, XXXX XXXX ( the credit union I am using to purchase the vehicle ) e-mailed me to advise they had received the title and payoff from Brite. 

On XX/XX/XXXX, I spoke to XXXX XXXX ( the credit union I am going through to purchase the vehicle ) on the phone, and they said Brite quoted them a payoff of {$4800.00}, not the {$4100.00} I had been quoted by Brite on the XXXX. I e-mailed Brite that day ( XX/XX/XXXX ) asking them why they had added {$720.00} to the payoff they had quoted me on the XXXX. Brite responded to me that day advising that if XXXX will be the new lien holder, the payoff amount will be {$4800.00} minus the {$1000.00} security deposit, i.e. {$3800.00}. 

On XX/XX/XXXX, XXXX called Brite to try to confirm the actual payoff amount and the representative e-mailed me to tell me she was disconnected after waiting on hold for 10 minutes and was unable to confirm the amount. I called Brite around XXXX XXXX that day and left a message requesting they call me back as soon as possible. I then sent them an e-mail requesting the actual payoff amount, as I had been quoted several contradictory figures for the payoff by Brite.

I should note that I have been trying to resolve this issue and finalize the loan for two weeks and in that time the Brite customer service phone system has been out of service. I have only been able to correspond via e-mail with a specific representative and she has consistently failed to respond in a timely fashion. Additionally, representatives from Brite have called me to tell me the end of the lease needs to be addressed as soon as possible. The payoff quote sent to me by Brite on XX/XX/XXXX ( with a payoff date of XX/XX/XXXX ) does not reflect the {$1000.00} security deposit the representative at Brite said would be subtracted from the payoff. The quote also included language suggesting late fees may be assessed for failure to complete the payoff by or on XX/XX/XXXX. Despite my timely and diligent efforts to clarify this issue, I am being threatened with late fees and Brite is  refusing to resolve the issue in accordance with their own payoff deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  and  XXXX   XXXX . Please remove these addresses from my credit file.
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. 



XXXX  CHILD SUP : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please be advised that this is my FIFTH WRITTEN REQUEST asking you to remove the accounts that I have listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to review and remove the listed accounts on my credit report. 

XXXX 's XXXX XXXX, XXXX XXXX, XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit : to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. 
I ask that you Promptly DELETE all the accounts that I listed. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately.

THE LISTED ACCOUNTS HAS ALSO 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 1681 c. ( 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, credit repair services, or other personal consumer reports

XXXX and Experian refuse to delete unproven accounts from my credit report. I have filed disputes with both agencies and within 5 days they label the information as correct, without opening a formal investigation. I have no trouble with XXXX. They actually reach out to the lenders and ask for information in regards to the information that they are reporting. These accounts have been removed from XXXX credit file and not deleted with XXXX or Experian : XXXX  : This account is not mine, can not be proven to be mine and has been reporting well over the statue of limitations. 

XXXX XXXX  : This account is not mine, can not be proven to be mine and has been reporting well over the statue of limitations. 

Please help me to remove this information from my credit report with XXXX and Experian. I have filed multiple disputes with each of them in regard to the accounts and they have not done any investigation.
Product: Credit reporting

I had a student loan with XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX a " paid coll '' XXXX. 

This week when my report was pulled the XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 XXXX a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise. 

I have disputed this with the XXXX credit bureaus and they left it on the file. This violation of the FCRA is a violation by by these credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I never made these inquires and EXPERIAN is saying they verified them as valid. I want my credit report to report accurately, this is hurting my chances as progressing as an American citizen. This public record is inaccurate and needs to be removed from my credit report : XXXX XXXX XXXX  LA XXXX XXXX Bankruptcy XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2020 via certified mail to Transunion for multiple Violations and Inaccurate info on my credit report along with a Picture of My recent utility bill, drivers license, and my social security card expecting for them to do an investigation. 
They received my dispute on XX/XX/2020 and then sent me a reply claiming that my proof of address was not acceptable. Yet they sent their reply to my current address and received my which shows that my address is on their file. They are choosing to use stall tactics so that they don't have to address the numerous RE-AGING Violations on my account { Credit report }. This is the second time I have received their reply to my current address claiming that my proof of Address is unacceptable! The first was in XXXX when i sent them a letter trying to fix my personal info which they have listed inaccurately as well. 
Please help me to be able to get a proper investigation according to the FCRA laws that I've read online. Thank You and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to communicate with Transunion via CFPB portal they have failed to provide me with any viable evidence bearing my signature showing the public records with my name and social on it.     Upon further investigation, I have retained new copies of my credit reports and noticed that you have overlapping dates along with the public record being removed from my file and then reinserted back. These errors have been reporting monthly resulting in credit denials due to the deformation to my file on behalf of Transunion. The said bankruptcy records are listed entirely inaccurate and represents a very serious error in your reporting.     I am maintaining careful records of this last communication with you before this matter is escalated to FTC and the Attorney General 's office that you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.     I further remind y  ou that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of Furnishers of information to consumer reporting agencies { 15 U.S.C. 1681s-2 } : ( 3 ) Duty to provide notice to dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
<P/>
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you much now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.
<P/>  Please see the attachments from   XXXX   XXXX   with my request honored to block my file as  of   XXXX   XXXX  .  You will also find documents from  XXXX   XXXX  showing the public records were removed from my file and then reinserted back to my file. You will also find a letter from the United States Bankruptcy  Court   XXXX   XXXX   of Georgia stating they DO NOT REPORT TO any credit   agencies. You will also find my Transunion Credit report reflecting how Transunion is reporting errors on my file.  <P/> I spoke with several people at Transunion  XXXX  the Supervisor who has stated they do not have any supporting documents to maintain the public records but they are not going to remove this error. I have found that Transunion will continue to break the law and violate consumers so I am now filing this formal complaint in efforts to reinforce proper actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report back on XXXX XXXX and noticed that a company called XXXX XXXX XXXX XXXX was reporting on my credit report. I called the company 10 times but no one ever answered so I decided to reach out to Equifax, XXXX, and XXXX. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a 6-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department here in California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with XXXX XXXX XXXX XXXX. I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX, Equifax, XXXX, and XXXX. I have included more than enough supporting documents to have this account removed.
Product: Credit reporting

I disputed this creditors reporting previously and experian will not let me dispute it again and i have changed the reasons.This creditor was included in my bankruptcy of XX/XX/XXXX but is using a filing date of XX/XX/XXXX and showing a co in XX/XX/XXXX.This is a violation of federal law and violates my discharge and automatic stay and confirmation rights.Therefore this is an incorrect entry and violates the facta and fcra. A co means they charged it off but they filed for payment in the bankruptcy so can not be a co either way.Filing date and discharge date are reported on this report so how did experian verify this creditors reporting for my dispute and not referance their own report.So their investigation constitutes fraud and this creditor committed fraud because they were served by the bankruptcy court of the correct dates.So i ask the cfpb why and how can these entities continue to break the law without consequnces.
Product: Debt collection

Debt Buyer : NCB MANAGEMENT SERVICE Balance : {$8300.00} Date Opened : XX/XX/2018 Account type : Debt Buyer I do not have a contract with NCB MANAGEMENT SERVICE, They did not provide me with the original contact as requested.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Mortgage

Ocwen holds the XXXX on my home and for 2 years I have been appealing to them with documentation, to remove fallacious bankruptcy comments they 've reported to the credit bureaus. All to no avail. 
In XXXX XXXX someone from Ocwen Loan Servicing , LLC in XXXX, XXXX arbitrarily decided that my home and primary residence at the time was included in my bankruptcy which was discharged in XXXX of XXXX. They reported that the debt was " included in XXXX XXXX '' and " discharged '' " XXXX XXXX, XXXX. '' They show the account closed and transferred. My Loan was transferred to Ocwen Loan Servicing in XXXX XXXX XXXX XXXX. 
Last month on XXXX XXXX, in response to a XXXX XXXX, XXXX email, I received a letter from Ocwen 's Office of the Consumer Ombudsman admitting to the error stating the " trade line should reflect as closed and service transferred however, the bankruptcy comment should have been removed. " As of this date the false information remains on my credit report, my complaint submitted to the XXXX has been ignored, and calls to the Ombudsman office have not been returned. 
My payments have never faltered or been late, my payment history is perfect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, XXXX  All have done Avery poor job updating accounts that either do not belong, not updating my score when balances are paid down or paid off. This has affected my chances of borrowing or getting a bank loan. Im tired and frustrated by the harm these agencies have caused.
Product: Credit reporting

I challanged the amount past due, all other credit reporting agencies have removed it and or show XXXX balance. I used the information provided by Equifax stating the validity, but after contacting the creditor with the information provided by Equifax, the creditor holds no records of this account. So I have disputed again and once again they can not provide any proof or evidence that I can take to the creditor. What can I do? can they make up information like that? Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account which is showing on my credit report. I have never applied for Capital One and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with Capital One but no result. Because of that I'm submitting a complaint to you to help me for removing CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$4500.00}, CAPITALONE XXXX Date opened XX/XX/XXXX Balance {$1200.00} and CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$4600.00}. Those three accounts are fraud. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not mine: FCRA violation

XXXX XXXX XXXX
Closed
XXXX potentially negative months
Account Info
Account number
XXXX
Account status
Closed
Date opened
XXXX XXXX XXXX
Account type
Credit Card


XXXX XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX XXXX
Account number
XXXX
Collection opened
XXXX XXXX XXXX
Account type
Collection

XXXX XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX
Account Info
Account number
XXXX  Collection opened
XXXX XXXX XXXX
Account type
Collection

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

Kindly delete these inquiries. I am not aware of them, and the company proceeded without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$460.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX