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

This is a follow Complaint I am submitting to request to you once again that you investigate the erroneous accounts I found you are reporting on my Credit File. I am writing to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my credit report that are being reported erroneously. Specifically, the following accounts are showing discrepancies : OFFICE OF THE ATTY GEN XXXX Balance : {$6700.00} and OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00}. As per the Fair Credit Reporting Act, reporting of account information must be accurate, or the information must be updated. I ask that you review my account information and make the necessary corrections within the required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with the credit bureaus for over 6 months now in regards to a XXXX XXXX account that is reporting inaccurately on my credit report. In XXXX I sent a couple letters asking to look into the accuracy of what was reporting and 30 days had passed without an answer on their investigation and description of the procedure. Additionally, in Late XXXX I mailed a lack of response letter asking why nothing had been corrected or deleted to no avail. I've also reached out to XXXX XXXX and the only response I got was a letter sent from a " convergent outsourcing '' which is a different company. 

I know the bureaus get paid money from the creditors to report negative and positive accounts as a business product. It's extremely unfair because it allows the creditor to report whatever they want and the bureaus claim they verified the accuracy without showing how they reached their conclusion. 

Attached are some of the most recent letters that have gone out. My complaint is against Transunion and XXXX. Hope this can help me move on so my family can prequalify for a new home. Thank you
Product: Credit reporting or other personal consumer reports

This grumbling to XXXX  was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit card or prepaid card

Unsure why I received a pre-paid mastercard. Never signed up for it. Tried contacting the XXXX number on the back of the card to get more information, but wants me to enter my SS and is all automated. Can't reach a live person to figure out how this happened. Checked my CR and no ID theft has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN EQUIFAX IS REPORTING WRONG INFORMATION ON MY CREDIT FILE I DISPUTED THE MEDICAL ACCOUNT OVER 5X AND I ALSO ASK FOR PROOF THIS IS ME. EQUIFAX NEVER SENT ANY PROOF TO MY ADDRESS TO VERIFY PROOF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and i have a bunch of accounts open in my name that is not mine. I already try contacting the bureaus but they didn't help me and they're customer service was rude. I also submitted a police report and affidavit also letters with all the items that were not mine.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found erroneous information. The Equifax and XXXX credit bureaus are required to validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to leave this reporting account as unverified information without providing proof within the legally allowed period. The following account needs to be investigated and corrected due to erroneous reporting in my file XXXX XXXX XXXX XXXX Balance Owed : {$260000.00}.
Product: Credit reporting

They would remove the inquiries then they would put them back on, I do n't know why they would do that, only XXXX and Equifax are the ones that keep doing it. I have some letters from some of the creditors letting me know that they have requested that the inquiry be removed. I let them know that I did not apply for credit for any vehicle at any XXXX XXXX they ran my credit 17 times in one day, at one time I had worked to hard to build my credit no way would I consent to this. They are all on XXXX XXXX, 2014 with one on XXXX XXXX, 2014 I have asked them to remove them I have written all the creditors as well as the credit bureaus and still they do the same thing please help me I am at a lost here. If the other creditors know this was not me then they should to I have written all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account for over six months keep getting the same answer, I don't understand how they can verify it with the Burea but when I called they had know information on the account, ... I was never late XX/XX/2016, and how is there a monthly payment of XXXX on a closed account ... im requesting a deletion of this account..
Product: Credit card

I received an alert XX/XX/XXXX from XXXX concerning a credit card account having a bad payment billing report on it, showing 4 missed payments.. I knew this account had to be a recent added account on my report because I would have been notified sooner, The account is showing 4 missed payments, and the account was closed by credit grantor XX/XX/2016..I contacted Best Buy to informed them that I have never open an account with them, and I have never authorizes anyone to use me in applying for any type of credit, they could not locate me in there system using my SSN, Full Name, or by any phone numbers I provided. I could not provide a account number because it 's not listed on XXXX credit Report. Best Buy said there was nothing they could do for me since they could n't locate me in there system, even though they placed it on my credit report.and I clearly stated to XXXX who is a supervisor, this is identity theft fraud, but she again stated there was nothing she could do since she could not locate me in there system ... I contacted best buy on XXXX/XXXX/2016 and again on XX/XX/2016..spoke with XXXX at XXXX .PLEASE HELP
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Equifax Dispute Department, I am writing to formally dispute the following unauthorized hard inquiries on my credit report. After reviewing my Equifax credit report, I noticed inquiries that I did not authorize. I request that these inquiries be removed from my credit file immediately. Under the Fair Credit Reporting Act ( FCRA ), unauthorized hard inquiries should not be reported on my credit file. I did not apply for credit with these entities, nor did I give permission for them to access my credit report. Please conduct an investigation and provide documentation proving that I authorized these inquiries. If no such documentation exists, I request that they be removed immediately.

To assist in your investigation, I have attached copies of my identification and a copy of my credit report highlighting the disputed inquiries.

Please provide a written response confirming the results of your investigation. If these inquiries are not removed, I request a detailed explanation along with proof of my authorization. Under the Fair Credit Reporting Act ( FCRA ) 1681b ( f ), a company may only access my credit report if I have given explicit, verifiable permission or if they have a permissible purpose as defined by law. Since I did not authorize these inquiries, they constitute a violation of my consumer rights under federal law.

Additionally, FCRA 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate and correct any inaccurate information within 30 days. If Equifax can not provide proof of my written authorization for these inquiries, they must be immediately deleted from my credit file.

Failure to comply with these legal obligations may result in legal action, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) Pursuing legal remedies for willful noncompliance under FCRA 1681n, which allows for statutory damages, attorney fees, and possible punitive damages. I demand that Equifax immediately remove these unauthorized inquiries or provide documented proof that I expressly permitted them. If you fail to do so within the legally required 30-day period, I will take further action to enforce my rights.

Disputing hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AddressXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to remove negative accounts for 1 year from my credit report. I am beyond disgusted at this point. I sent information to the credit bureaus about an unjust filing of bankruptcy including accounts. They responded with " Verified '' and to my understanding they listed XXXX XXXX as the date provider. I reached out to XXXX XXXX to investigate and they responded that they could not locate any information in reference to a bankruptcy from their company. I reached back out to XXXX, Experian and XXXX with the information that XXXX XXXX mailed me. The subsequently deleted their information because there was not evidence. XXXX, Experian and XXXX are still reporting the derogatory information on my credit report. It literrally has been 12 months since I began attempting have this inaccurate information removed. PLEASE HELP! The problematic accounts are as follows : Bankruptcy listed on all 3 credit reports. The accounts listed under the bankruptcy as well : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX has submitted a debit in my name to a debit collector. I have two insurance providers which should have been billed but were not. This is now reflected on my credit as of XX/XX/23 when I have worked so hard to improve my credit. I have told the company to contact the hospital to send the billing to XXXX  to no avail. The company that reported to my credit and who has been harassing me is MERCHANT CREDIT GUIDE CO @ XXXX. The amount is {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please accept my complain regarding the accounts that are nor mine. I do not know the origins of these accounts but its a error in reporting obviously. Someone used y information and filed these accounts below : XXXX XXXXXXXX XXXX - Card Service XXXXXXXX XXXX Card Service XXXX XXXX And inquiries to them ^ XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian Business Cred - XX/XX/XXXX THANK YOU AND PLEASE REMOVE THEM
Product: Mortgage

My house mortgage was about to go into forclosure, but went into court mediation instead, so that a new payment plan could be done with a loan modification. Well, XXXX XXXX was to be the first of 3 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) trial payments. Ditech, ( the company ) never furnished a payment plan to me, my lawyer or the court. They could n't give a fair answer for the delay.So now this payment plan is in limbo ... plus there are other pending issues like charging me their home insurance when I showed a number of times I had my own insurance..Still on the " bill '' plus late charges while they wait on giving this payment plan, and while interest rates are going up ... I need Ditech to give me the plan so we can get this done.
Product: Vehicle loan or lease

UNDER 15 U.S. CODE 1681 qa1oaE ( B ) AND 15 U.S. CODE 1681i ( 5 ) this account is in violation not reporting 100 % accurate. In accordance with the fair credit reporting act, The list of accounts has violated my federally protected consumer rights to privacy and confedentiality under the 15 USC 1681. These accounts have voilated my rights. Pursuant to 15 USC 1681 section 602 a states I have the right to privacy. Pursuant to 15 USC1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts with out my written instructions. I am requesting the original copy of the agreement & terms & condition. Failure to comply will forefit your claims and will require you to delete the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.I LOOK FORWARD TO YOUR RESOONSE i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commisions identity theft affidavit. please delete the items as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX westlack financial service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian regarding an issue I encountered while trying to access my pre-existing account. Despite multiple attempts, I have been unable to log in due to an internal system error. The error message I received stated : Oops, were sorry! We have encountered an internal system error. Please note that your order has been cancelled. Sorry about the inconvenience, call us toll free at XXXX. The listed hours of operation are Monday through Friday from XXXX XXXX  to XXXX XXXX XXXX and Sunday through Saturday from XXXX XXXX  to XXXX XXXX XXXX 
When I called the provided phone number, I was sent into a redundant loop : 1. I called the number.

2. It asked me to authenticate by entering the last four digits of my Social Security number.

3. It said it would send a code to the registered phone number, but no code was sent.

4. It asked me to enter my full Social Security number.

5. I entered my full SSN.

6. It said it was unable to assist me and directed me to visit www.experian.com.

7. On the website, my options were to sign in with an existing account or sign up for a new one, both leading to the same loop. 
This situation is unacceptable as access to my Experian account is vital for protecting my credit. Experian has made themselves unavailable to resolve this issue, which is beyond my control. 
I request that this matter be investigated and resolved promptly. I would like Experian to provide a solution that allows me to access my account without further issues. 

This issue took place XX/XX/year>
Product: Money transfer, virtual currency, or money service

Sent money on zelle to wrong number on accident wasn't able to get it back or reversed
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX an account was open in my name under a creditor by the name of XXXX XXXX XXXX  by the amount of {$350.00} and this account has been placed in collection under my name ..under fair credit reporting act 15 u.s code s 1692g- validation of debtsa ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.i wrote the 3 major reporting bureas to validate this collection and i have not receive no respose yet, i also disputed these account with the collection agecny and also they violated the law under the fair credit collection act this agency have not validated this false debt and have not responded to my debt validation letter..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for your assistance in advance with this sensitive request. 

I have been a victim of fraud and placed a fraud alert on my credit reports with all three bureaus on XX/XX/XXXX. The fraud began in XXXX apparently and I have since tried to take precautions on protecting my credit from being compromised from unauthorized accounts and inquiries. I have paid over {$420.00} to credit monitoring websites and to certifying and notarizing documents to send to each credit bureau and the creditors with no luck. 
On XX/XX/XXXX, I submitted to all three credit bureaus a signed and notarized document and certified it to Experian, XXXX  and XXXX XXXX. On XX/XX/XXXX, I received confirmation that all three credit bureaus, Experian, XXXX  and XXXX XXXX signed for my certified documents. In compliance with the Fair Credit Reporting Act of 15 U.S.C. 1681, Section 611, the credit bureaus have 30 days from receipt ( XX/XX/XXXX ) to investigate and/or remove and block the fraudulent accounts/inquiries. 

It is now XX/XX/XXXX and there has been no response or update on my credit report honoring my request to remove the unauthorized and fraudulent inquiries from my credit reports. This unresolved issue is hindering me from being able to apply for a new home loan and a new car so that I can be able to provide for my family. 

I am requesting the help of the Consumer Financial Protection Bureau to resolve this urgent matter and be done with this once and for all please.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a detogatory collection from XXXX from XX/XX/2008 that should have been deleted after 7 years. The account has been on my report for 10 years and 10 months.