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

Remove these inquiries, please. I have no knowledge of them, and the company performed them without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of refinancing my residence last week, my credit was checked by the mortgage broker. The broker informed me I did not qualify for the rate that I was attempting to lock-in because of a recent debt reported to my credit report ( reported on XX/XX/XXXX ). A cable utility company sent an unpaid debt of {$710.00} to collections. The debt was related to an account opened in XX/XX/XXXX that went unpaid. I called debt collection agency and learned it was for an account opened at an apartment complex that I moved from 19 years ago in my maiden name. I filed a formal complaint with the police department for identity fraud in the city where the account had been opened. The detective informed me today that after checking with the apartment complex and with the utility company there was no evidence of identity fraud. The person that opened the account has a name similar to my maiden name but used a different DOB and social security number. 

It appears the debt ended up on my credit report in extreme negligence because my maiden name was similar and I at one point lived in that apartment complex ( almost 20 years ago ). I've tried calling the utility company but since I don't have any of the account information and they can't find an account in my name they won't help me. I've called the collection agency and they will only tell me that it has been marked as a fraudulent account. 

At this point, I can not find anyone to confirm this will promptly be removed from my credit history. It has already cost me thousands of dollars due to no longer qualifying for a much lower interest rate on my residence. Utility companies and debt collection services should be held responsible for this type of negligence. The smallest amount of due diligence by the debt collection agency would have prevented this from happening. A lawsuit will be pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  has placed derogatory information on my credit bureau regarding an account belonging to my father XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX and I have never opened an account or had an account with XXXX XXXX XXXX XXXX. They continue to report this account negatively in my credit file and Chex Systems. I have disputed this twice yet they keep it on. I am once again disputing this item under Section 609 of The Fair Credit Reporting Act which requires specific information to be supplied or the item must be deleted. To date BOTH Chex Systems  and XXXX XXXX XXXX XXXX have failed to comply with my requests. Please enforce section 609  FCRA
Product: Credit reporting or other personal consumer reports

Company stated they verified the debt in which is not true because the original company wrote me and stated the debt was sold to another company years ago and is no longer being collected on their end
Product: Debt collection

CREDIT MANAGEMENT LP XXXX XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this account. 
CONTACT INFORMATION CREDIT MANAGEMENT LP XXXX, TX XXXX This account says i owe {$370.00}. 

THis is the second time this creditor has placed a false collection account on my credit! This account says i opend an account in XXXX with this company and never paid a bill. I have not opened or authorized an account with this company. This false information deduct points of my score and I want my points back. I have nothing negative on my credit report and I have never been late on a payment! I don't even owe medical bill! I just bought a new home in XXXX and a new car in XXXX ... there is nothing negative on my credit report except this fraudulent account that is not mine. 
I have 100 % payment on all my accounts. 

Please help me remove this account from my credit report, and please help replace the points taken due to this fraudulent account.
Product: Student loan

Please see the prior complaint : XXXX Flexpath Capital has shutdown and now, I cant contact them at all to find out who is servicing my loan. They have my address but havent sent any notices. 


If tried email and contacting the following without success : XXXX Flexpath Capital LLC XXXX XXXX XXXX XXXX FL, XXXX ( XXXX ) XXXX Also : FLEXPATH CAPITAL INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX USA ( XXXX ) XXXX
Product: Debt collection

filed a complaint with them already threw her debt is from XXXX there response threw her was they did not have info on me now they sent me a collection letter today. asking to deal with them instead of you guys ; its past statue of limations dont remember having XXXX did not send info about the account no right to dispute to. my last name was brand so they have no exuse this time not finding me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I have had a claim with you guy in the past about a XXXX vehicle the back was changing me for well since that all got settled I see on my credit report I keep missing payments? I havent missed a single payment from any bills so Im thinking if it still has to do with the car situation. So if you guys could look into that for me that would be great I just dont understand why my credit is being destroyed over missed payments when Ive paid all my bills on time?
Product: Credit reporting, credit repair services, or other personal consumer reports

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

REMOVE ALL THE LATE PAYMENTS REMARKS FOR OPEN ACCOUNTS AND DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 

XXXX XXXX XXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX - OPEN - XXXX XXXX  XXXX XXXX XXXX OPEN - all XXXX XXXX XXXXXXXX - OPEN - all XXXX XXXX XX/XX/2022 Equifax XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX IXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting

Experian Credit reporting. I filed 30 complaints on this stuff and here is shows up again. Serious Delinquency, past due and other negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX XXXX XXXX, XXXX, a debt buyer, fraudulently reporting itself as a Factoring Company in the Account Type section of my Experian credit report between XX/XX/XXXX and XX/XX/XXXX, relating to a collection ( Account # XXXX ). XXXX XXXX XXXX, XXXX is in violation of the FCRA and FDCPA by ever describing itself as a Factoring Company on my credit reports. XXXX XXXX XXXX, XXXX is junk debt buyer it purchases security interests in old, defaulted receivables. Factoring companies only purchase new receivables. On XX/XX/XXXX, I initiated a dispute with the XXXX XXXX XXXX of XXXX, Virginia, arguing that XXXX XXXX XXXX had since XX/XX/XXXX, been erroneously reporting itself as a Factoring Company on my Experian credit report. I included an attachment of my XX/XX/XXXX Experian credit report verifying my claims. On XX/XX/XXXX, XXXX XXXX, Regulatory Compliance Analyst with XXXX XXXX XXXX, responded to my complaint. XXXX claimed, XXXX has confirmed that it is properly identifying itself as a Debt Buyer to the consumer reporting agencies ... She goes on to write, XXXX does not control the way consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. This is a lie. On XX/XX/XXXX, I spoke with several Experian representatives who confirmed that Experian DOES NOT modify, change, amend, or alter any information furnished by a creditor. The same day, I submitted a rebuttal to XXXX  fabricated XXXX XXXX XXXX  statements, providing additional evidence that my XX/XX/XXXX Experian credit report still showed XXXX XXXX XXXX reporting itself as a Factoring Company. Tellingly, on XX/XX/XXXX, XXXX XXXX XXXX began reporting as a Debt Buyer under the Account Type of my Experian credit report. I confirmed with Experian on XX/XX/XXXX that this change in reporting was instituted by XXXX XXXX XXXX, not Experian. It is clearly evident that both XXXX and XXXX XXXX XXXX are lying, are/were in violation of FCRA and FDCPA reporting regulations, and need to be held accountable. I have attached the XXXX XXXX XXXX correspondence referenced above, in addition to attachments proving XXXX XXXX XXXX was reporting as a Factoring Company to Experian in XX/XX/XXXX and on XX/XX/XXXX. Ive also provided an attachment which shows how XXXX XXXX XXXX began reporting as a Debt Buyer on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX  - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Mortgage

My mortgage payment is deducted on the XXXX of each month from my checking account in XXXX i changed banks ; I immediately went online to my account Ocwen site and updated my i new bank information. I went back into the account to make sure new info on bank was still listed. I then monitored my bank account was withdrawn after 2 days from the XXXX the money was still in my account so i got back online with Ocwen and saw that the old bank info had replaced my new bsnk info. I immediately changed the info to new bank and called Ocwen and made arrangements to pay the mortgage on the XXXX. Which i did. The next thing im getting a pre foreclosure notice because of the ach return notice they XXXX when they submitted from the wrong bank abd the o ly way they will accept my payments is through XXXX XXXX. And though i paid the late fee they are still charging late fees- thouhg my payments are on time. I have also asked them if i can change my payment date to be more inline with my payday and the refuse to work with me at all. Also the only way they will except my payments because of the XXXX mixup is through XXXX XXXX. My payment has also gone about 2 years ago from XXXX to XXXX. I hope you can help me with these issues
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been exposed by mutable Companies starting in XXXX by Equifax. In XXXX I received a letter from the IRS that someone was using my identity to file their taxes. In XXXX I was notified by a XXXX insurance billing company called XXXX that has sold my information to the Dark Web. In XXXX XXXX XXXX notified Me that my identity was exposed in a data breach. In XXXX XXXX XXXX  XXXX XXXX notified Me that my identity was exposed in their data breach. In XXXX a company XXXX XXXX services notified Me that it's computer servers were hacked and that my identity was involved. I have tried to get the credit bureaus to take this matter serious because it has ruined my name and my Credit. Prior to XXXX my credit was very good. Anyone can see the trend on my report. I have had problems with the credit bureaus with the correct spelling of my name. I have had trouble with them reporting inaccurate addresses. Even my work history was not correct. I have worked most of my life in high Management. Not as a Babysitter. I have only Two different addresses in 25 years. I opened my bank account in XXXX. I am a very stable person with a very good monthly income. My credit has been checked so many times I have lost count. I have been trying to purchase my Veterans Administration Guaranteed Home Loan but the wrong information is being reported on me. At one time You didn't know what my 3 credit cards were. My loan you report but you don't know what it is. I am requesting my credit report to be corrected. Over Two I have reported this to You and You do nothing.
Product: Consumer Loan

Ally is reporting to XXXX, XXXX, and XXXX that the closed date of my account is in XX/XX/XXXX. the charge off date was in XX/XX/XXXX. The charged off account is paid. Ally continues to provide false, and misleading information to XXXX, XXXX, and XXXX regarding my account with them. I agreed to pay the disputed amount and expected accurate credit reporting.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX constantly violates my rights as a consumer under the FCRA. I give documents that are requested then they try to find another reason not to honor my accurate and complete Identity Theft Reports. I am submitting yet another documents requested. I got a receipt for my initial police report complaint. Under section 605B under the FCRA I demand the fraudulent accounts be blocked from my credit file and stop treating my accurate and complete documents as frivolous. I expect a thorough investigation not an automated update in a day or 2.
Product: Debt collection

in response to CFPB   XXXX   XXXX    TODAYS   DATE  XXXX    XXXX ,   XXXX   XXXX   SOC SEC  XXXX    XXXX   DOB  XX/XX/XXXX    ADDRESS   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX , FL  XXXX  To  Whom It May Concern Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods   Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key p ieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you.    TODAYS DATE: XX/XX/XXXX    XXXX   XXXX   XXXX   SOC SEC  XXXX   XXXX  DOB  XX/XX/XXXX    ADDRESS   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX , FL  XXXX
Product: Credit reporting, credit repair services, 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. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX # XXXX, XXXX  XXXX # 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 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.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681.

The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 
Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 
You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' a consumer report For me? Experian, XXXX, And Transition have allowed my consumer information to be sold and reported and fraudulently. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT pursuant to he following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
Product: Vehicle loan or lease

I paid off my lease with Chrysler Capital in XXXX by doing a lease buy out with my bank. In XXXX, I accidentally made my new loan payment to the lease with XXXX instead of my new bank loan. On XX/XX/XXXX, as soon as I realized this error I contacted XXXX. I spoke with a gentleman who assured me that since the account have been paid in full, the additional payment would be returned to me. After XXXX days of not receiving my monies back, I contacted XXXX again and they told me that I would need to provide a full copy of my bank account statement, with no redactions, in order to get my money back. This was never told to me and I informed the last that I would not be sending my personal identifiable information for my checking account. This is an invasion of my privacy. I asked for alternate options to which I was told that they understand my privacy concerns but that is their policy. They are making it difficult for me to get my money back. This is an unfair practice and a tactic to keep funds that dont belong to them.The funds were sent via ACH from my account through bill pay and those funds need to be returned to me. I tried speaking with a speaking with executive office and after an hour was told they would need to return my call. 

Pleas help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015 there were 2 XXXX XXXX credit cards opened fraudulently in my name. I alerted XXXX XXXX and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX complaints, filed FTC reports and XXXX  XXXX refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXXXXXX XXXX XXXX XXXXXXXX XXXX PA XXXX- I find this interesting as I called each of the 3 credit bureaus and they all told me I am NOT associated with the address XXXX XXXX XXXXXXXX XXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter XXXX XXXX wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with XXXX XXXX before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my credit.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XX/XX/XXXXXXXX.