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

I have been a victim of identity theft. My name, social security and address has been used to open up accounts that I have never authorized. In the past I have had issues applying for things due to having a very common name. I'm not sure if that is one of the biggest issues I am having because these accounts under my name are fraudulent accounts. The reason I was prompt to pull my credit was because my tax professional told me that my social security number had already been filed. I called IRS and they prompt me on what needed to be done next. Please remove these unknown suspicious accounts from my report. They do not belong to me. 
XXXX XXXX XXXX  XXXX {$700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX   XXXX {$870.00} XXXX XXXX XXXX {$830.00} XXXX XXXX    XXXX {$140.00} XXXX XXXX {$2200.00} XXXX  XXXX {$2700.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX {$24000.00} XXXX XXXX {$870.00} XXXX XXXX {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found many disputes with XXXX Experian and XXXX. My dispute always come back updated which there's nothing that changes. under the FDCP act. All of my requests have notes of inaccurate information I've asked many times for documentation. I've asked for a copy of the original agreement or contract for this alleged debt if the original creditor has sold or transferred this debt then a. Copy of the agreement of original creditor and XXXX XXXX XXXX that grants the authority to collect this debt. Under the FDCP ACT no information shall be on my credit report if it's not 100 % accurate. And XXXXXXXX XXXX has inaccurate information on my credit report and Experian XXXX and XXXX are saying they 100 % investigated. Which is false information not accurate and still leave on my report. I believe they should be fined for not 100 % accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times a debt from  Wells Fargo   XXXX   XXXX    yet it still remains on  XXXX  of my credit reports   XXXX   and  XXXX  it was deleted from  XXXX . I disputed it as I do not know this account and I do not as it was not my account It clearly states on both reports that I was an authorized user only which according to the law makes me not responsible for this account. I called to speak with them on  XXXX / XXXX /  XXXX   was told they could not find an account with my ssn and to call another department to check. Called that department was placed on hold and transferred several times before being transferred the last time after being told I was in the wrong department, without getting warm transferred nor given the number it took me to a place asking for an account number when I could not answer the ivr because I do not have an account with them was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquires were pulled from my XXXX : XXXX XXXX XXXX XXXX The following inquiries were pulled from my XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

I am writing to formally dispute an inaccurate late payment entry appearing on my credit report. Upon reviewing my credit report, I discovered that there is a late payment recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company is showing a past due payment in XX/XX/2018. 

They can not and will not provide statements and payment authorizations to solidify the data on my credit report. 

in XX/XX/2018 I called customer service to change my payment due date and statement date as well as make a payment. The company did not reflect the updates and are reporting a late payment on my account although the account was never past due and/or paid late per the contract. 

I need this late payment removed from my credit report or changed to an on time payment immediately as it is hindering me from obtaining necessary financial products and services.
Product: Debt collection

Santander sold my debt to another company. This was then paid off to XXXX XXXX who purchased the account. Santander continues to report and update as verified debt on my credit report. I do not owe them anything at all. I would like to have them removed. They can not even find me in their system. I paid my debt and they refuse to help or provide any information because they can not even verify me with my social or anything because the account has been closed and paid. They were notified by XXXX XXXX with a letter which I received as well that the account has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Received my credit reports and the below your company is reporting a fraudulent account on all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

You all are reporting an account on my credit report that belongs to a minor whom I am not the legal guardian of, and I did not sign paperwork on the date of service as the legal guardian. I am requesting you all to delete the collection account from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) as I am not responsible for this collection account, and it does not belong to me. Once the inaccurate account is deleted, please send me a copy of my credit report reflecting the changes. 


I called the company and spoke with a very rude lady who told me since I am responsible for the minor the account is going to stay on my report. I advised her 5 different times that I was not the legal guardian and that I wanted to see a contract that was signed by me to understand why I was being held responsible and she rudely disconnected the call
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX keep showing up on my credit reports. I have sent numerous letters to have this removed from my credit and its still there. There are no liens or loans in my name with this company.
Product: Mortgage

This company is the second mortgage lien holder on our home and do not have or will not provide a copy of the mortgage note to the first lien holder at my request. They were contacted in the beginning of XXXX XXXX with a request for a subordination and a copy of the note. The first lien holder paid for the documents on XXXX XXXX XXXX and received the subordination in late XXXX. We are still waiting for them to receive a copy of the actual note. When I call them time and again, I am placed on hold for extended periods of time then told to call another department and get the same results. 

If this company does not have a copy of the note, what are our options? I understand that by law, they have to have a copy on file.
Product: Credit reporting

I have had someone using my address under numerous names and I have never, ever lived in XXXX. Please remove this at it is probably identity theft. I have always lived in XXXX.
Product: Checking or savings account

my account was used to online and i dispute the claim and the bank is denied my claim when i file the police report still dont want to help me to get my money back to my account the amount XXXX iam a victim of identity theif i did not made this charge im requesting the charge need to put back to my account that any finance and other charges relates to the fraudulent amount be cretdited as well and that i receive an accurrate statement
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting ITEMS as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX Na XX/XX/2023 ; XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX reviewed my credit report and I have noticed some unauthorized inquiries on my credit reports I have listed them below I have also attached a FTC report with other supporting documents. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed as a charge off in XXXX of XXXX, however the company continues to keep the account open and report late payments each month on my credit report. 

This gives the appearance to creditors as if this is a new open account with new late delinquencies which is completely untrue. 

XXXX XXXX  should not be allowed to classify this as a charge off, yet keep the account open on my credit report and report new late payments each month.
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. I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account Name : Bankruptcy XXXX  XXXX-Discharged Date/ XX/XX/XXXX Reference # XXXX Account Name : XXXX XXXX Reference XXXX XXXX Account Name : XXXX XX/XX/XXXX Reference XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Reference # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they arent even in compliance with XXXX XXXX credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by the federal law to verify - through physical verification of the original accounting records and signed consumer contract any and all accounts you post someone's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email you fraudulent account information.

Therefore, I'm demanding to receive verifiable proof of the ( original accounting records & signed contract ) for the files of the accounts listed below. Your failure to positively verify the accounts has hurt my ability to obtain credit cards, a property rental, car loans, home loans, pass employment credit checks, utilities, etc. along with getting other basic livelihood necessities.

Under the FCRA, unverified accounts that are not 100 % accurate must be deleted and removed.

Also, these negative accounts below may either be inaccurate, old, inaccurate data between bureaus, not updated, paid in full, paid, closed, paid out by insurance, double dipping collectors, charged off/written off taxes, settled, inaccurate addresses, {$0.00} collections open balances, permanent disabilities act discharge, identity theft, for profit school fraud loan discharge, fraudulent submissions by loan or collection companies, inaccurate phone numbers, inaccurate name spellings, etc.

Under the FCRA, unverified, fraudulent, invalid accounts must be removed and deleted. If you are unable to provide me with a copy of the verifiable and validated proof that you have on file within a 30-day calendar days from receiving this notice for the account listed then you must remove and delete the account from ( XXXX XXXX, XXXX XXXX ACCOUNT ( XXXX ) credit reports. I demand the following negative accounts be verified or permanently deleted immediately. The law is very clear on the available remedy to me for violating Section. 617. Civil liability for negligent noncompliance, if you fail to comply with federal law.
Product: Credit card or prepaid card

I had a secured credit card tied to a {$1000.00} CD that was supposed to mature at the Annual Rate with 350 % Interest payment, instead when I applied to cash in the CD and apply the balance to the credit card both transactions were disapproved without reporting why. I have mo idea since the business card does not report to credit agencies. I have never been able to get one loan, credit card, or any business funding out of Arvest Bank, I believe due to discrimination. 

In this transaction they disapproved the transfer of the CD to pay off the balance even though I have paid of the balance at least 5 to 7 times during the one year period. I have used the card for over XXXX in purchases. What makes the matter worse is getting a CD statement that says I was paid 150 % Interest per quarter giving me XXXX for a year. As a business man I would have never agreed to those terms in fact I know it was a lie because on XX/XX/2017 the day of maturity I was to there was XXXX on the card with XXXX dollar interest payment but the statement said differently. This was of course why it took 9 days to get a decision on the transfer meaning one more day I would have been stuck with the CD as collateral. Instead I closed the credit card and the CD and Arvest says I owe them {$110.00} I say I owe XXXX. 

They first violated the contract saying in a year I would get a regular card and could apply the CD to the balance. then took 9 days and emails to the CEO to get a letter emailed to me with their decision. We filed complaint with the company we have heard nothing back
Product: Mortgage

We had a modification plan and an agreement with the prior lender just before this loan was assigned to another lender, which engaged Specialized Loan Services to service the mortgage. SLS ignored the agreed modification amount and demanded a higher amount. We paid that amount rather than go into default. Now, SLS has increased the mortage without explanation by more than {$460.00} a month. 
In a statement dated XXXX/XXXX/2016, SLS without explanation increased monthly mortgage payments to {$1700.00} ( XXXX ) from {$1200.00} ( XXXX ), an increase of {$460.00} ( XXXX ). Before SLS began servicing this loan I had executed a modification plan with XXXX, the original owners of the above mortgage loan, in which I was to pay {$1100.00} ( XXXX ) monthly. After it began servicing the loan, SLS ignored the terms of the modification agreement and increased my monthly payments to {$1200.00} ( XXXX ). After that increase, I spoke with SLS representatives for weeks and remained confused about how payments to SLS were credited to my account. To date, I have gotten conflicting and confusing answers from SLS representatives. 

My total annual Real Estate County Tax payments is {$6100.00} ( XXXX ) ; total annual homeowners insurance is {$2300.00} ( XXXX ), for a total of {$8500.00} ( XXXX ). The escrow increase of {$460.00} a month amounts to an annual amount of {$5500.00} ( XXXX ). My current escrow payment is {$550.00} ( XXXX ) a month or {$6600.00} ( XXXX ) a year. Added together, the escrow increase by SLS amounts to {$12000.00} ( XXXX ) to cover expenses of {$8500.00}.
Product: Debt collection

I am not denying that i owe a debt to XXXX but i recently recieve an alert saying that a account was added to my credit by Allied interstate when this debt was originally added back in XXXX 2013 through a collection company called XXXX so the collection date is all wrong and i will like for XXXX to post the correct collection date because that will make that debt appear to be more recent then it really is and is causing my score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report. 

XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities XXXX XXXX Inquiry : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX XXXX XXXX - XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX.- Inquiry : XXXX XXXX, XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Home Improvement ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX . 
XXXX Inquiry : XXXX XXXX, XXXX Telephone Companies XXXX XXXX XXXX, XXXX. 
Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Services, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities Contact the inquirer : MAIL ONLY
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following fraudulent accounts and inquiries identified through my investigations and verified through FTC Identity Theft Complaints : Credit Card Account : Opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$12000.00}. 

Credit Card Account : Opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$4500.00}. 

Credit Card Account : Opened at XXXX XXXXXXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$5000.00}. 

Credit Card Account : Opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$1900.00}. 

Personal or Business Loan Account : Opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$11000.00}. 

Personal or Business Loan Account : Opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$510000.00}. 

Personal or Business Loan Account : Opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$340000.00}. 

Personal or Business Loan Account : Opened at XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$17000.00}. 

These fraudulent accounts have resulted in several related hard inquiries and collections appearing on my consumer credit report. Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts, collections, or hard inquiries. The accounts, collections, and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$2800.00} XXXX XXXX {$460.00} XXXX  XXXX