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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXXXX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries In Dispute : XXXX XX/XX/XXXXDate of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX OF XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXDate of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXDate of inquiry XX/XX/XXXXXX/XX/XXXX Date of XXXX XX/XX/XXXX XXXX XXXX CO Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXXXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I had requested a investigation into multiple accounts reported on my credit report. The credit company all three times came back verified despite my specific requests in XXXX. How they came out with result of verified. But they simply respond verified which is not what I requested at any point. 
How is the question. 
In terms of my XXXX collection, XXXX XXXX XXXX, HOW are they verifying this? I have proof that XXXX PAID this in full. This is NOT a collection account. So how can they verify something that is not true? They state the XXXX accounts with XXXX are verified as well as XXXX XXXX. What is XXXX XXXX exactly? The XXXX XXXX cards XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX are INACCURATE in reporting which by law requires them to be DELETED. Not XXXX of these accounts show date I went into default or my payment history which the law states to show. How will you know or if my XXXX years are over? The XXXX XXXX account listed has been on my report 7 years and still reporting. 

Then my requests about inquires is IGNORED. There are multiple that I never authorized. I contacted the companies and was directed to the credit agency being they have no record of me. So why is it I have these random credit inquires? Why am I ignored when asked about them? XXXX XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX; and XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

On XX/XX/XXXX, with little warning, my mortgage company ( myservicemac ) told me that they would be switching to a new portal the very next day on XX/XX/XXXX, which is the exact same day that my mortgage is due. 

The new site portal did not work for me, could not use my login credentials like the notice said, and I was unable to register for it or sign in at all. The phone line was too busy for the company 's representatives to get back to me. MyServiceMac is clearly attempting to make people miss payments on their mortgages.
Product: Vehicle loan or lease

I got a loan through Wells Fargo and eventually lead to a repossession. The reported payments late and said that they would work with me but came and repossessed it instead. I have asked for an itemized statement and have never received one. I also know that they sold the vehicle for around 4800 est. at auction and only reported XXXX XXXX. The company destroyed my credit and I saved my receipts and wont send me an itemized statement so I can cross reference. I also did the math and Ive already paid over 14k and they are trying to say i owe. Them around 6k still. Ive called and been hung up on and laughed at. They already have the vehicle I made payments in for over three years and I have nothing to show for it. I am XXXX and need assistance attaching documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my written disputes, according to the Fair Credit Reporting Act sections 609 and 611 all of these collection accounts shall be removed from all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Fin. is stating that they can't help me with this account due to it being closed in their office. They said that the account is now with a collection agency. First of all, this account do not belong to me. I asked Mariner Fin. to provided me with a signature or any information attachment to this account, they cant do it. I called the collection company over and over again. No one never pick up the phone or return any of my phone call. I asked Mariner Fin. to deleted this account or show any document linking me to this account. It's not fair or lawful for Mariner to report this account over and over again when they not even holding a open account. Per to the Fair Credit Reporting Act, a company can't report a transferred account and still report it negatively.
Product: Credit reporting or other personal consumer reports

This is my second requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My work 's secretary received a phone call from XXXX XXXX XXXX XXXX XXXX that said XXXX XXXX has documents that require a signature. When I called the company back, for XXXX, the woman who answered did n't say her name or what company they were, and XXXX, when I asked they would n't tell me what my debt was except they were taking legal actions against me. She told me they were Worldwide Asset. When I asked more questions they got very defensive and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXX to get my credit report from all three agencies. 

XXXX stated " online delivery unavailable '', stating I had to fill out additional paper work to get my credit report. 

XXXX XXXX and Experian did not provide credit scores and had additional steps to retrieve these scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX as well as Experian continue to report a discharged account as an active collection account after a Chapter XXXX bankruptcy. The account has a XXXX balance due to discharge, and per bankruptcy law it is illegal to attempt to collect on any balance discharged in a bankruptcy. And therefore, if they are reporting it as an active collection account- this is illegal and they are in violation of bankruptcy law which is a civil offense. Attorney consult and possible litigation against both companies pending.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX TransUnion XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request Your Account Number ( if known ) Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ACCOUNTS XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT CARD XXXX XXXX XX/XX/XXXX CREDIT CARD XXXX XXXX  XXXX XX/XX/XXXX CREDIT CARD XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT CARD DEPT OF EDUCATION XXXX XX/XX/XXXX Educational DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL SELF XXXX XX/XX/XXXX INDIVIDUAL SELF XXXX XX/XX/XXXX INDIVIDUAL XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX NOTE LOAN XXXX XXXX XX/XX/XXXX CHECK CREDIT OR LINE OF CREDIT XXXX XXXX XX/XX/XXXX CHECK CREDIT OR LINE OF CREDIT XXXX XXXX XXXXXXXX XX/XX/XXXX UNSECURED XXXX XXXX XXXX XXXX XX/XX/XXXX UNSECURED XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX INDIVIDUAL XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX INDIVIDUAL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There was a debt that showed up on my credit report that was not mine from 2014. It was from Citibank/Best Buy. It was for {$570.00}. It was listed as a charge off. I contacted them numerous times disputing the information and providing verification of my identity. They still would not correct it. 

I am in the process of a mortgage and was advised by my loan officer to just pay the amount. I did, even though it isn't my debt or even listed in my name. Not only will they not remove the debt, but they also won't even show it as being paid. This debt was originally not a Citibank debt but was inherited when Citibank bought Best Buys credit account.
Product: Debt collection

Credit control is harassment me about someone elses debt. Calling texting. Acct number. XXXX. Reference XXXX. Its not mine I disputed it and they sent photos from internet not any purchase agreement and they are reporting on my credit report. I want it deleted plus they dont have a business license in westvirgina which is a violation Im going to have to have the legal team get assigned this multiple violation per far. I want it deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint involves the 3 credit reporting agency they are reporting old or outdated info which affects my credit score and gets me denied for most if not all loans that I apply for I have disputed these inaccuracies on their websites over the past several months but to no avail have anything changed.. 
The info they're reporting either list wrong addresses or reporting how long that the accounts have been opened once a new debt agency buys the debt they report it as a new account most of this debt is less than XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I recently wrote to XXXX and Equifax showing my concerns with the fraudulent information that they have been reporting on my credit report. I wrote to them on the XXXX of XX/XX/2023 and also in August 30 days after the previous letter. Till this day I have not heard anything back from them regarding this matter and according the FCRA, any information not verified or refuted within 30 days must be deleted. This is a XXXX of justice what's going on here and I will definitely also be reaching out to the presidents of these companies and also the Attorney General. None of these accounts are mine and are all fraud. I never authorized any of these companies to open any accounts in my name or to send me anything. Someone used my information fraudulently and I am disputing all of the accounts listed. If they are not removed then I will definitely be filing a lawsuit and seeking compensation for my pain and heartache for what's being done to me. With all the fraud that's going on, I can't believe these companies are still just opening accounts without verifying the information first. Even on the credit reports with the XXXX credit bureaus, all of the information has different dates when opened etc with is a violation in itself. Please fix this nonsense as soon as possible because I am definitely keeping a record in case I have to go to court with all these companies and I will guarantee you that I will be seeking compensation for this. Thank you in advance and if I don't get a response soon then I will send a letter and also call the Attorney General about this matter.
Product: Debt collection

I have health insurance and called both companies when forst reported was supposed to.be deleted and resubmitted insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to the credit bureaus because they had ignored my previous dispute in XXXX. I understand that COVID has caused a delay but the credit bureaus are still working so it really isn't an excuse. I havent gotten any communication that a dispute has started or any results. I know for sure that if a credit bureau must conduct an investigation in 30 days and if they do not they have to automatically delete the accounts that were disputed. This is the law and it must be followed. So with that being said the following accounts need to be deleted from my credit reports immediately : XXXX XXXX XXXX XXXX The credit bureaus have been ignoring me on purpose and this isn't fair. I am prepared to go to litigation because this entire process has caused a lot of stress in my life. I was also a victim of the Equifax data breach so I don't know who could have my information. 
Delete these accounts.
Product: Debt collection

this account do not belong to me. try to file with credit companies, but they dont have proper verification.
Product: Debt collection

Looking at my credit report there is a loan I did not get.I called XXXX XXXX corporate office, talked to a XXXX and a supervisor after much investigating they could not find anything with my social or name.They asked me to call Midwest Recovery the collector, The woman XXXX was very rude, when I told her my situation she said XXXX would not have my information cause the loan was sold.I asked when and where the loan was taken out she said XXXX XXXX my well I have never been there, after several attempts of going back and forth XXXX XXXX advised me to file with YOU
Product: Checking or savings account

I attempted to open a checking account with XXXX XXXX XXXX on XX/XX/XXXX and was denied because Chex System is currently reporting I owe XXXX   XXXX XXXX  XXXX {$250.00}. XXXX XXXX was included in my bankruptcy case and the debt was satisfied when I was discharged on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was opened   XXXX   XXXX   XXXX   for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement.and tried to resolved it for over 1 year.     The credit reporting agencies keep on reporting it as  Paid, was a charge-off despite that the account was paid in full not charge off ( EXHIBIT A ). O ver 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck.   In Credit report Agengies, it is stated as FP ( Fail to Pay ) as of  XXXX   XXXX  and I sent a letter to both  Creditor & Credit Agencies  ( Exhibit C ). The creditor sent a letter to confirmed that I made full payment to the creditor and invited to apply and gain a new card ( EXHIBIT D ).   The creditor agencies reported in my payment status as Legally paid in full for less than the full balanc e (  Exhibit B ) which is wrong after getting my result of my complaint from CFPB.   The  Creditor Ag encies punishing consumer who exercise their right to ask for fair credit report treatment by keep on reporting wrong information in the credit report. Please can you step in to help me resolve this problem which over 3 years now.
Product: Debt collection

After reviewing my credit report, I discovered accounts that I did not recognize or apply for upon further investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying to any of these accounts and question and they are negatively impacted my credit per XXXX section 15 C 1681C 2 any fraudulent account that I did not authorize or sign a contract for must be removed off my credit report in XXXX days These fraudulent accounts are not only damaging my credit, but also causing me significant stress and anxiety. I have no connection to these account and urgently request immediate any further financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX ( CLOSED ) Account Number : XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with the credit reporting agency. The collection agency was unable to properly verify and validate this particular said debt. Even after requesting a re investigation as well as proof of how the credit reporting agency determined this debt to be verified, I was informed that there was no formal investigation and that they only required for the collection agency to enter a code elctronically to verify that this debt that I had no prior knowledge of was accurate. The collection was even removed from my credit file in XX/XX/XXXX and then re inserted without providing me the proper 5 day notice prior to. After calling the credit reporting agency, I was informed that the collection agency may have removed and re inserted the collection in error and that they were unable to remove the debt unless I provided them with a police report. As a result of this misinformation, it has caused me higher rates on my insurance, vehicle purchases, and is also making it hard for me to obtain a mortgage for me and my family.
Product: Prepaid card

I put XXXX on cash appcard to pay my sce lite bill they never got it
Product: Credit card or prepaid card

I, XXXX XXXX, credit application was denied by American Express on XX/XX/2021 due to negative markings on my credit report.

Under 15 U.S. Code CHAPTER 41, SUBCHAPTER IV : EQUAL CREDIT OPPORTUNITY ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.

Under 15 U.S. Code 1691a - Definitions ; rules of construction ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit.

( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
Product: Student loan

I am no longer able to log in to see what I owe, when I owe it by, what the interest is, or access my account at all. This occurred ever since ACS became Conduent. I am in the dark.It keeps saying that " there is no data for the social security number entered ''
Product: Debt collection

I started with XXXX XX/XX/XXXX consolidated XXXX credit cards which collected {$750.00} each month the contract stated that XXXX payments and XXXX will be complete, I want a audit on myaccount from an outsider to check if they collected correctly. I paid an extra payment of {$830.00} XX/XX/XXXX which should have beencomplete XX/XX/XXXX My total payments where XXXX months.