23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

when i was struggling with income a d couldn't pay I was forced to do a deferment or forbearance that resulted in astronomical interest rates and high payments.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX from XXXX XXXX  ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please provide the info i request on attach, repond by CFPB portal get evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY PHOTO ID AND USE MY SOCIAL SECURITY NUMBER AND OPEN SEVERAL ACCOUNT, LEASES, LOANS AND CREDIT CARDS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

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

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

The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

I got a phone call from XXXX out of XXXX, CA. I used to live in XXXX CA and XXXX is XXXX minutes away. I moved to XXXX XXXX, XXXX in XXXX of XXXX and have been living here since. I recieved their first call on XX/XX/XXXX at XXXX I picked up the phone no answer, they hung up on me. I got a 2nd call at XXXX same day. I picked up and said hello repeatedly before a man with a XXXX accent started talking to me saying he was contacting me from Credence Resource Management. I asked what this was regarding and he asked if i was the parent of XXXX  or XXXX XXXX, whom is my XXXX year old son. I said yes, I am, what is this regarding. He continued to say we need to verify his date of birth. I said, i dont even know who you are and your calling me out of the blue to verify my sons birthday, what is this regarding? He proceeded to say that its regarding an Ambulance ride. I said, that happened a while back ago and this is the 1st time im hearing of this. What is this really regarding? He didnt state why he just kept asking for my sons birthdate. I said, NO, I have no idea who you are and nor do i trust you with so many scam phone calls happening today, if this is something really important send me a letter and I hung up. Upon researching the name of the company, it appears to be a legitimate colletion agency from Texas, but I should have any debt because no one has ever tried to collect from me for an amblulance ride when i had health insurance. I think some scammer is using the companies name as a cover and somehow found out that I had an ambulance ride with my son XXXX some time ago and trying to extort me for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent the first of multiple letters regarding inaccurate and unknown things on my credit report. As of today it has been over 60 days since I initiated the dispute with the Bureaus regarding the fraudulent accounts, this long timeframe is directly violating Section 611 ( a ) which states that failure to investigate within 30 days gives valid reason to immediately remove inaccurate/unverified accounts. I demand that this matter be resolved immediately and these accounts be deleted from my credit profiles or I will be forced to seek litigation for the damage to my reputation, emotional distress and financial strain that this false information being reported as true on my behalf has caused me. My information was exposed in the Equifax data breach therefore my private information is vulnerable to malicious individuals.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate. 


And XXXX more thing according to XXXX XXXX XXXX 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. 

Check the attachments below.
Product: Debt collection

On XX/XX/XXXX, I XXXX XXXX XXXX tried to get a loan, was told that ERC, a collections company had placed a new negative item on my credit, Fraud and Identity Theft. I attempted to contact ERC twice, I was informed by ERC that this was XXXX ( phone company ) and it was a bill. They just placed this on my credit, the bill was from XX/XX/XXXX, 4 years ago. I have never been with XXXX. ERC had my personal information that is public knowledge. However, they could not provide any proof or evidence that I ever was with XXXX. This is fraud and identity theft. They stole my information and then attempted to get money from me illegally. There is no evidence, because I never had anything to do with XXXX. When I spoke with ERC twice, I talked with there supervisor, she twice transferred the call and the call went dead. ERC there phone number is : XXXX. The amount in question : XXXX. Please assist. Thank you. This negative information 4 years ago, that is fraud is hurting me.
Product: Debt collection

I send my payment on time every month for 18 months and I have never received a statement or anything from them. I have no way of knowing if my payments are even being applied against my huge {$50000.00} balance. When I call them they say they do n't know the balance or payment information and they will have to contact the credit bureau for my balance. What are they doing with my payments? Why ca n't I access my account online to view my payments and statement information. They have never sent me anything and know nothing when I call. This seems very fraudulent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found reported collections on my credit report file at XXXX and the entry reads The dispute for the account with PORTFOLIO RECOV ASSOC that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX JOINT  ACCOUNT  with XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and XXXX and XXXX. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX # XXXX amount {$400.00} XXXX XXXX XXXX # XXXX {$610.00} XXXX XXXX  # XXXX {$240.00} 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

I was giving a XXXX dollar loan with XXXX XXXX XXXX in the year XXXX. I was on time with my payments however I fell a little behind. I still kept in contact to figure out solutions that could better help me pay them back. However, I was in contact with a women name XXXX the XXXX or the XXXX of XXXX and she spoke with her manager "  guy '' and she said that he stated they would offer me a XXXX dollar settlement. They said the payment would start XXXX XXXX of a payment of XXXX and XXXX XXXX XXXX, XXXX for the last payment to seal the deal. They stated my car would not be towed. However, my car was towed before the deal began which was towed XXXX XXXX, XXXX at wee hours of the night. I called to decuss with XXXX that we made a deal for XXXX and she stated that now I would owe XXXX but they would give me a deal of XXXX to get my car back. As I read online after the car has been towed they are not suppose to charge me interest fees. Today I called XXXX XXXX, XXXX and spoke with XXXX and I told her by law they are not suppose to charge me interest after the car has been towed and she said my balance would still be XXXX plus more. But they gave me a settlement of XXXX. I only took out a XXXX dollar loan. I also asked if she could email me or send me the fees of what they are charging me and she said No. she stated they would only send me a copy of my contract. XXXX also stated once I gave them the XXXX dollar then I would get a receipt but she stated they do n't have to send me anything regarding the fees that are charging me for. I also stated to them if they sold my car they would have to give me my remaining balance after XXXX would be taking. XXXX stated that even though they gave me a deal of XXXX I would still only get the remaining balance after they took XXXX from the money for the car. I felt that their is no consistency in what they are saying they have all these different prices but they are also stating they would not send me my fees in writing or anything. The only thing they said they would send me is my contract. Then I called the tow place the tow place told me I would have to pay XXXX for my plates and XXXX for my items. They are not being fare with me. If the deal was for XXXX that 's what suppose to be the deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit in XXXX and noticed there was a credit card in my name for XXXX XXXX XXXX  and promptly called XXXX XXXX XXXX to advise them that there was fraudulent activity, and they advised they'd send a letter in the mail to resolve. They verified that it was fraudulent activity ( incorrect address, phone, etc. ) was used to open the credit card. I did not receive their letter to resolve. 

I am now trying to buy a home and it was flagged to me by the mortgage lender beginning of XXXX that there was a credit card by XXXX XXXX XXXX that was under my name. I promptly reached out to the credit card company again and let them know that I did not apply for a new credit card, and needed it removed immediately. Escalated to a supervisor to see if I could get an email with this information, they declined and advised I needed to receive the letter via USPS. I just received in the mail today and am inputting my request to be removed. It is reflecting on my credit report as a dispute and will prevent me from getting the lending I need ( FHA ). 

So, in short, I notified XXXX XXXX XXXX and they've confirmed it was fraudulent activity, that they've determined the application received is potentially fraudulent, and they've removed the application and stated it will not be processed further. I do need the action removed from my name and permanently deleted from any record as soon as possible, please. 

Fraudulent activity should be easier to resolve directly with organizations. 

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

In accordance with the Fair Credit Reporting Act Experian continues to violate my rights by exhibiting fraudulent hard inquiries on my credit report. I have filed an Identity theft report with the FTC and the local authorities in my city. 

Under the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to protect my rights with accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Experian has repeatedly broken the law in this regard and refuses to address my repeated disputes regarding these fraudulent Hard Inquiries. 

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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following hard inquiries done on my credit report : XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX Finance : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX  : XXXX XXXX, XXXX - XXXX OF 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 XXXXXXXX : XXXX XXXX, XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX I have also contacted the above companies and they told me to contact Experian yet Experian refuses to comply with the above removals. I never authorized these fraudulent inquiries and demand they be removed from my credit report immediately.
Product: Debt collection

Sequium Asset Solutions has repeatedly called me after I told them I would settle the account. After too many phone calls, I blocked their phone number. I was offered a settle via e-mail on XX/XX/2021. Once, I blocked their phone calls, they decided to report this account to the credit bureaus.
Product: Debt collection

To begin, I tried contacting XXXX XXXX to retrieve details on information on this credit account. They told me it had already been sent to collections with Jefferson Capital Systems , LLC, and that I would have to contact them directly to review and resolve my account. I also tried to login to XXXX XXXX website using my login information, and they have removed my access and account entirely which has refrained me from any access to review this credit account and details of information associated with my credit account. 

This account opening date is incorrect. The date listed that it was opened is on : XX/XX/XXXX. The correct opening date was on : XX/XX/XXXX. I also know that the amount owed is incorrect. I attempted to contact the company to dispute the errors on XX/XX/XXXX. When speaking with the representative, I tried to explain the errors of information that were incorrect on this credit account. The representative proceeded to not listen and continuously ask me how I was going to pay off my balance. We argued back and fourth. I told the representative that I wasnt calling to pay my balance, I told the representative that I was calling to dispute the errors. The representative would not listen or acknowledge what I was saying by completely ignoring my questions on dispute and instead aggressively asking when I would pay my balance. I finally said that I was not paying anything until the errors on my account were disputed. The representative proceeded to tell me that if I did not pay my balance that day, XX/XX/XXXX, that the representative could not guarantee that my credit report would not be further impacted from refusal to pay. I then proceeded to tell them that I wasnt refusing to pay, I corrected the representative by saying that I was refusing to pay until my dispute concerns regarding the incorrect information on my credit account were resolved. The representative then told me that if I do not pay by XXXX that day, XX/XX/XXXX, that my offer amount to resolve my account would not be valid and that it would further impact my credit negatively.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

I have written to the company a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my  physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. As of XXXX /2017 they had sent me a document with wrong address, no consumer agreement, and also my name typed as a signature with undercase lettering. That is definitely not an authorized agreement. They have STILL not  provided me with any proof that this said " debt '' belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all creditors in this Matter XXXXXXXX XXXX XXXX and XXXX and informed them that my identity, wallet was stolen and fraudulent activity took place while I was oversea in the Military. I have filed police reports submitted consumers reports and the debts were removed and return. The debts are not mine as they are fraudulent. On ( XX/XX/2017 ) I discovered ( negative credit items with XXXX XXXX and XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. The data is wrong and both the reporting agency and bureau are not following guidelines adhering to FCRA. If this matters are removed I will have not choice but to file a lawsuit against all parties involved.