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

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$150000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$15000.00} XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by the company listed at the end of this document. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the fair credit reporting act S604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in the unauthorized credit inquiry. As part of your investigation, please send the names, business addresses and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I request a copy of any documents authorizing credit inquiry and signed on my behalf so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind to forward to me documents that you have had the unauthorized inquiry removed. If you find that I am in error, please send proof of this. According to the provisions of S612 ( 15 us S 1681j ), there should be no charge for this report. 
Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Date that I discovered it : XX/XX/2023 XXXX XXXX XXXX Date that I discovered it : XX/XX/2023 XXXXXXXX XXXX XXXX Date that I discovered it : XX/XX/2023 XXXXXXXX XXXX XXXX Date that I discovered it : XX/XX/2023 Total fraudulent amount : {$920.00} Total fraudulent amount : {$160.00} Total fraudulent amount : {$570.00} Total fraudulent amount : {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts on my credit report that were not being reported accurately that it should be deleted and Experian & XXXX   came back to say the accounts were verified when I showed documentation proving that it should be deleted. I sent the letter certified to the creditors on my credit report and they had no documents showing the reporting was valid nor accurate. XXXX was the only bureau to correct this. 

Attached I have written the results of a previous dispute with the CPFB and XXXX  corrected the information but Experian and XXXX will not follow suit. 

Thank you for submitting your complaint on XX/XX/2018, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to XXXX. The Results of Our  Reinvestigation provided XX/XX/2018 : We have researched the accounts. 
Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This account is currently reporting paid as agreed, with no late payments. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX.
Product: Debt collection

I am a victim of fraud and I noticed there were some accounts that don't belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature.these are the current accounts that do not belong to me and needs to be deleted-XXXX   XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX   XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX # XXXX, XXXX 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

Dear cfpb, on XX/XX/XXXX I check my credit report and notice that I have a late payment from west creek financial XXXX with the total balance of XXXX. I reached out to the company to receive more information about the account, because the account was open back in XXXX of XXXX. Using my personal Information, koalafi west creek financial XXXX couldn't find an account using my information. they then instructed me to make a report to the police XXXX XXXX  XXXX Illinois, and to reach out to XXXX Credit bureau to report fraud. I am unaware of the actions taken on this account and I would like to report fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment and was informed that I have an eviction flagged on my credit report. The house that is listed belonged to me and my former spouse located in Louisiana. The house that we owner was sold in XX/XX/XXXX and the proceeds were divided 50/50.
Product: Debt collection

In XX/XX/XXXX, I was in debt. In XXXX Discover credit card services wanted a minimum payment due of {$190.00} with a 29 % interest rate. As a single mother, homeowner I could not manage. I asked Discover to work with me reasonably. They did not want to offer anything more than the above. They called day and night and were relentless for months. Then I started to receive communications from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX They asked that I pay over {$9000.00} to them. I only had a credit limit of {$6000.00} with Discover. I was bombarded with documentation from them and finally, I would receive communication I was being sued. I went to court numerous times without an attorney and was made to feel very XXXX. The last time I went to court I was basically bullied into a payment agreement with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. if I was to receive a partial amount of my mortgage money that they in fact executed and levied. It caused me and my bills to spiral out of control I found myself facing foreclosure due to the loss of money becoming late and then behind in my mortgage payment due. I was completely devastated. XX/XX/XXXX the same thing has happened my entire direct deposit was levied and executed by XXXX XXXX XXXX, XXXX. They are making my life a living nightmare. They got awarded a judgment order for over {$9000.00} by default and I was never given the notice or opportunity to defend myself. This firm is so shady I have found countless complaints about them. FACTS that they have been sued for violating the Fair Debt Collection Practices Act more than once, XXXX XXXX a long time attorney of the firm has been suspended 4 times for failure to pay the client security fund fee.In an article online I found their firm brought more than 8000 small claims to court in XX/XX/XXXX! There are tens of thousands of people who have been bullied by this firms predators. I will give an abundance of information to the CFPB and pray you help me so I can help others.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft for several years now and I am currently taking the corrective steps to resolve the issue. There are over 17 plus inquiries that have been weighing down my credit, they were all dated between XXXX and XXXX and have been negatively effecting my credit score and reporting.
Product: Mortgage

REQUEST FOR XXXX AND OR PERMANENT MODIFICATION BY CHASE WAS HELD FROM XX/XX/XXXX TO XX/XX/XXXX OVER A YEAR AND NEVER COMPLETED WITH ALL REQUESTED INFO SENT. XXXX XXXX XXXX TOOK OVER A YEAR TO FINALLY APPROVE A PERMANENT MODIFICATION IN XX/XX/XXXX WITH A AFFORDABLE PAYMENT AMOUNT BUT AFTER A YEAR OF PAYMENTS BY ME ON TIME DECIDED IT WAS NOT A PERMANENT MODIFICATION. THIS IS NOT SHOWING ON MY CREDIT REPORT. I HAVE ASKED ABOUT MY CREDIT REPORT TO XXXX JUST RECENTLY AFTER BEING DENIED FOR AN APARTMENT. I HAVE ASKED IF A STATEMENT COULD BE ADDESHOWING SHORT SALE IS APPROVED AND SINCE LOAN NUMBERS ARE THE SAME FOR CHASE AND XXXX THAT ONE ENTITY BE CHANGED ON CREDIT FILE. I HAVE ASKED THIS BECAUSE OF THE ADVERSE REPORTING EFFECT OF ME UNABLE TO PAY NOW WILL HAVE ON ME AND MY SON 'S CREDIT SCORES.
Product: Credit reporting

After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a second round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all XXXX credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian due to their failure to investigate and resolve inaccuracies on my credit report. This includes incorrect personal information listed in my credit file. 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS Certified Mail, tracking number XXXX. According to the USPS tracking information, Experian received my dispute letter on XX/XX/year>. Despite clear evidence of delivery and a detailed dispute, Experian has failed to provide any updates or resolution. Over 30 days have passed since the delivery date. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian 's failure to do so is a direct violation of my consumer rights. 
I have attached a copy of my dispute letter to Experian and the USPS certified mail receipt as evidence.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding an unauthorized account reported by XXXX XXXX XXXX XXXX on my credit report. This company is contacting me repeatedly and has failed to provide any validation of the alleged debt despite my clear dispute of the account. Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : Unauthorized Account : I have never opened or held any account number ending in XXXX with XXXX XXXX XXXX XXXX or any entity they claim to represent. Despite this, they have reported an account under my name to the credit reporting agencies, which is now negatively impacting my XXXX XXXX. 

Failure to Validate the Debt : I have repeatedly requested that XXXX XXXX XXXX XXXX provide verification of this account or proof that I owe any debt to them. They have refused or failed to provide the necessary documentation as required by law. 
Harassment : XXXX XXXX XXXX XXXX has continued to contact me about this alleged debt despite my dispute of the account. This behavior constitutes harassment and is a violation of the FDCPA. 
Violations of Credit Laws : Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX has furnished inaccurate information to the credit reporting agencies without proper investigation or validation. 
Fair Debt Collection Practices Act ( FDCPA ) : The company has engaged in harassing communication and has failed to provide validation of the alleged debt within the required timeframe.
Product: Credit reporting or other personal consumer reports

HELLO, AS YOU CAN SEE, I AM A SURVIVING VICTIM OF XXXX  XXXX  AND BELOW. I WILL BE ATTACHING ALL NECESSARY DOCUMENTS FOR THIS MATTER I'M DEMANDING FOR ALL NEGATIVE ACCOUNTS TO BE REMOVED AND BLOCKED OFF OF MY CREDIT REPORTS
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information linked to my identity. Certain accounts and transactions have been wrongfully attributed to me without my knowledge or consent, causing significant distress. As a victim of identity theft, I have reported the incident and urge you to address this matter promptly, as it has adversely affected my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am ready to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent issue is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Credit reporting or other personal consumer reports

Urgent Request for Reinvestigation and Deletion of Accounts Dear Experian My name is XXXX XXXX, and I am writing to you regarding my credit file. I have reached out multiple times to your reporting agency concerning several violations that have occurred in relation to my records. I want to express my concerns clearly and urgently, as this matter has persisted for an extended period of time. I am a victim of aggravated identity theft ; I dont know who these entities are or how they were able to obtain my personal information. 

Attached to this email, you will find documents that I have sent over the past few months, which outline the specifics of the violations I have experienced. I have made numerous attempts to resolve these issues amicably ; however, I have yet to see any resolution or adequate response from your agency. 

This is my final attempt to address this matter before I consider pursuing further action. I kindly request that you reinvestigate my credit file thoroughly and take the necessary steps to delete all accounts that have been inaccurately reported. It is crucial for me to have my credit file reflect accurate and fair information, and I hope that your agency will take this matter seriously. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

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

Since XXXX, I have diligently working on repairing my credit. I have paid off delinquent accounts ; opened credit-builder accounts ; maintained on-time payment history. 

At any given moment, ALL three credit bureaus, XXXX, XXXX, and Transunion will DROP my score by XXXX points for no reason. 

Scores are affected by XXXX factors : your payment history, amount owed, new credit, length of credit history, and credit mix. If NONE of these factors changed from one day to the next, WHY WOULD MY CREDIT SCORE DROP XXXX POINTS in one day? 

If you do not know, I can tell you .... 

On XX/XX/XXXX, I filed a dispute with Transunion ( XXXX # XXXX ) to correct several errors on my credit report. FYI - my credit score with Transunion has been at XXXX for the past XXXX days ( give or take XXXX points ). The dispute was to correct charge-off accounts that had, in fact, been paid off. Paying off these charge-off would improve my credit score. 

On XX/XX/XXXX, I was informed that the investigation into my dispute was completed and that I would receive my results in the mail within XXXX days. ( FYI - my Transunion Credit Score was XXXX ). 

On XX/XX/XXXX, I received an alert that my Transunion Credit Score DROPPED XXXX points!!!! No changes- good or bad. Just DROP of XXXX points. 

Do you know why????? 

So that when the charge-offs are changed to paid in full, Transunion can raise my score by XXXX points and I am supposed to be grateful!!!! 

Credit Bureaus take advantage of everyday people and you do NOTHING!!!!
Product: Debt collection

KINDLY HELP ME. I'M GETTING XXXX  UP EVERY TIME I SEE THESE FRAUDULENT XXXX  RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and the date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$26000.00} XXXX  XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX XX/XX/XXXX {$220.00} INQUIRIES XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 611 ( 2 ) ( a ) states the Credit reporting agencies have 5 days to notify me from when the receive my disputes.

15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means XXXX has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX