23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I disputed my credit report online and have n't heard from the company at all. After checking my credit report on XXXX XXXX I realized that the credit bureau did not take the required actions to delete the requested accounts. The XXXX credit bureas has taking out the requested information from my credit report, but Equifax is refusing to do it by not working my credit report and getting back in touch with me.
Product: Credit reporting or other personal consumer reports

I received my credit report and looked at it and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
I have listed the item i am asking you to verify as accurate : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

SOMEONE WAS LIVIMG UNDER MY IDENTITY BECAUSE I HAD XXXX CREDIT AT THE TIME. GOING TO THE HOSPITAL IN MY NAME AND EVERYTHING. I WAS MOVING BACK AND FOURTH FROM XXXX  TO XXXX  AND SOMEONE STOLE MY IDENTITY I HAVE PROVIDED POLICE REPORT AND FTC REPORT AND AFFRIM AFFIDAVIT. AFFRIM STILL SAYS IT WAS ME. JUST BECAUSE PAYMENTS WERE MADE ON THE ACCOUNT THATS NOT ENOUGH EVIDENCE BECAUSE IF SOMEONE IS LIVING UNDER YOUR NANE OF COURSE THEY WILL PAY TO GET CREDIT INCREASES. THEY NEED TO PROVE IT WAS ME OR REMOVE THE AFFIRM ACCOUNTS IMMEDIATELY. BECAUSE I SHOULDNT HAVE TO PAY FOR SOMETHING I WAS A VICTIM OF. 
These are the account numbers. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have many closed accounts on my credit report from unknown companies. I need these removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I I recently just found out that I have two student loans reports on my credit and I have never been to school. I got a student loan before.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported to the credit bureaus that I missed my payments for XXXX, XXXX & XX/XX/2020. Dropping my credit score by 90 pts. Which Resulted in my opportunity to buy a home and receive my SBA grant.I was Denied for the grant due to credit reporting by XXXX XXXX. 

During the COVID lockdown in Michigan my place of employment was forced to close by the Governor of Michigan. I had to apply for unemployment, but due to Michigans Unemployment department Problems, which are widely known, I did not receive my unemployment payments for 11 weeks. 

I contacted XXXX XXXX in XX/XX/2020 and requested a payment deferral until XXXX, I did make my XXXX payment. 
Note : XXXX XXXX MAKES THIS PROCESS very time consuming and nearly impossible. Unlike most banks, who make the process as simple as clicking on a link and your payments are immediately deferred. ( Example XXXX XXXX, or XXXX  XXXX XXXX ) XXXX XXXX gives the appearance they are being reasonable and following the guidance of the Federal Government, but they deliberately make the process as arduous as they can to deter people who are already stressed. When you call, which is the only way XXXX XXXX provides, a recording explains hold times are longer due to COVID 19. The hold times in XXXX and XXXX were greater than 30 minutes at any time during the day or night.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights under 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Debt collection

I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in 2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX  ) or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXXXXXX XXXX   Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to all XXXX, XXXX, and Experian to validate a XXXX  XXXX XXXX debt they claim is mine. I have went through an Administrative Process with XXXX  XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. I am nervous that these credit agencies are just using the XXXX system to validate the debt, which I never gave consent to.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and also the original creditor of an open-end credit plan, was denied my right of credit by CAPITAL ONE SERVICES II LLC d/b/a Capital One. I was advised of this transgression of my consumer rights, specifically 15 USC 1601- The Truth in Lending Act, by CAPITAL ONE SERVICES II LLC d/b/a Capital One via U.S. mail. The most recent response was received on XX/XX/2022, however, there were XXXX prior denials of my ability to access my open-end credit plan where they continued to violate my rights. 
In accordance to 15 USX 1502 definitions of the Truth in Lending Act. I as the natural person possessing an open-end credit plan was harmed by CAPITAL ONE SERVICES II LLC d/b/a Capital One advise action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) are up to {$5000.00}. CAPITAL ONE SERVICES II LLC d/b/a Capital One is liable to pay me for my damages.
Product: Credit reporting

Experian XXXX Account Number ( XXXX ), Name ( Collection Account ), Amount ( {$340.00} ) -- -- -This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with. 

XXXX Account Number ( XXXX ), Name ( XXXX ) -- -- -This account is due for removal XXXX. Now when it got close for it to be removed it changed to a later date. It 's been negatively reporting on my credit for 7 years already. Please remove ASAP. 

XXXX Account Number ( XXXX ), Name ( XXXX XXXX XXXX ), Amount ( Unknown ) -- -- -This account has been transferred and is reporting properly on same report. Please remove this from credit as it is a duplicate with a unknown amount that 's hurting my credit. 

XXXX Account Number ( XXXX ), Name ( XXXX XXXX XXXX ), Amount ( Unknown ) -- -- -This account has been transferred and is reporting properly on same report. Please remove this from credit as it is a duplicate with a unknown amount that 's hurting my credit.
Product: Debt collection

I have been in various disputes with Spring Oaks Capital , LLC since they showed up on my credit report in XXXX of XXXX This occurred after they spoke with spouse who informed them that we had not had any sort of loan through the company from which they purchased the supposed debt. 

The original creditor was XXXX XXXX. I've not even heard of XXXX XXXX until this ordeal, and I honestly couldn't say what sort of credit the company provides to customers. I know that I am not a customer, though, and they have apparently provided my information to the aforementioned debt collector. 

Since XXXX, as previously stated, I have filed several disputes regarding this $ XXXX debt. Somehow it has managed to still show on my credit report. 

The mind boggling part of this situation is how you're expected to prove a debt isn't yours, while the little, if any, proof the creditor provides is sufficient based on a similar name or something to that effect. A similar name does not constitute paying a debt that isn't due. 

I have unsuccessfully disputed numerous times because I haven't proved the debt isn't mine; but stating it's not should be enough. The burden should not fall on a supposed debtor who, like myself, may have no documentation of any sort because there was never credit provided to begin with. Creditors should actually have to prove who the correct debtor is rather than targeting an individual who possesses commonalities with the debtor. 

I am hoping for a better result going through the CFPB and hope to have this debt removed entirely.
Product: Mortgage

CFPB Reference # XXXX New complaint with the same company. I have not heard back from AFR/XXXX. 
Now they have just sent us a new disclosure statement, it is incorrect. Because of their error they are expecting us to pay almost one hundred dollars more added to our monthly payment because of shortage. I would think that they could not do anything with our account until this is correct. I have not heard anything back from them, I have called, written, emailed. Attached is my balance sheet of our escrow account. 
I would really like to get this taken care of. Thank you, XXXX XXXX Loan # XXXX XXXX XXXX XXXX, XXXX, WA XXXX
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.

Account Name : XXXX : Account Number : XXXX : Balance : {$430.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see it this is actually an account that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  date XX/XX/21 Sold to XXXX XXXX XXXX account XXXX balance is {$520.00}. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ALL FTC VIOLATIONS REPORTED AND SENT TO THEM
Product: Debt collection

I was contacted by a representative of XXXX XXXX XXXX to collect a credit card debt. The telephone number is XXXX. I spoke with XXXX at extension XXXX. He informed me that I owed {$7900.00} for a credit card from MBNA Bank. According to XXXX, I opened the credit card in XXXX and had not made a payment since XXXX. He had my social security number, mailing address, telephone number, employment information, my current husband 's name, and my name at the time the account was opened. XXXX told me that my wages would be garnished for 25 % to 32 %. He also stated that my husband 's wages would be garnished by the same amount even though the debt is only in my name. XXXX stated that they would also place a lien against my vehicle. He said that I could pay {$3000.00} to settle the debt or pay {$1500.00} and then make monthly payments to pay the rest of the {$7900.00}. I requested proof of the debt. The letter sent via email did not provide any more information than he had given me. XXXX told me that it would take 10 days to get anything from the credit bureau to prove my debt, and by then they would already be garnishing our wages and putting a lien on my vehicle. I called back a second time because I did not receive the email and I wanted the exact name of the business. The person who answered the phone insisted that I talk with XXXX even after I said that I believed this was a scam. In addition, a XXXX XXXX from XXXX XXXX called my employer after hours stating he was trying to deliver legal documents to me. I was given the same number to contact him. I searched the XXXX XXXX XXXX and XXXX. The company with the given address does not exist. The only XXXX XXXX I found was an attorney in North Carolina.
Product: Debt collection

TO WHOM IT XXXX CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX I made payments to bank because I was closing my account and moving out of the country on XX/XX/XXXX I went to the bank to pay any outstanding debt because I was Closing my account before I left, the account manager called the chase credit card department she gave me the phone the lady ask to confirm that I was closing the account I said yes, I asked do I owe anything else she replied no. 
So I think everything is fine so I left the country, a couple of months later I get notification on my phone saying I owe money I thought it was a scam so I didn't log on and i deleted it. 
On the phone app I can see my accounts that are open they don't show a closed account so I have no idea that I owe money on a CLOSED account.MY wife had returned to the states so I had her check at the bank to see what was going on they said yes that I owed {$260.00} dollars didn't seem right but I told her to pay it thinking problem solve but no they didn't tell her that the total amount was {$380.00} so I got more dings on my credit report when I returned to the states and spoke with branch manager she said nothing they can do and that they would return all the fees and interest charges which doesn't help my credit.
Product: Debt collection

In accordance with the fair credit reporting act this creditor have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end consumer plan for any purpose. So I would like them to be removed completely or I would have to take legal action for breaking the law and failing to abide the federal law compliance policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Department of Education has violated my rights. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 15 U.S.C. 1681 Sec. 604 A, Sec 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

working with XXXX XXXX XXXX, We put loan into forbearance, company continued to report negatively on credit report the entire time hitting me and my cosigners scores for almost XXXX point drop. upon completion of forbearance we agreed to sign a loan modification to bring the loan fully current and our payments would not be due until XX/XX/XXXX XXXX we have been reported twice as delinquent in XXXX of XXXX before the XXXX payment is even due and the company says it shouldn't have but has not been able to fix it and just keeps reporting new negative items essentially destroying our credit beyond repair.
Product: Credit reporting or other personal consumer reports

companies continues to report inaccurate information on all accounts, notarized certified mail has been sent along with US government identification proving identity theft, along with a notarized sworn statement as required by law. multiple disputes dating back to XX/XX/. XXXX, XXXX, and equifax continue to violate title 15 usc 1681b, title 15 usc 1681c-2, title 15 usc 1681s-2 , title 15 usc 1681n and title 15 usc 1681o. consumer financial protection bureau is also being negligent in holding these companies responsible for their actions
Product: Credit reporting or other personal consumer reports

As of XX/XX/24 I've noticed that TransUnion has not legally conducted its investigation of my several disputes against them in violation of FCRA and 15 USC 1681i and 15 USC 1681s-2 TransUnion must conduct all of its investigations into disputed accounts by executing reasonable procedures and sufficient examination of the evidence. and of course remember that the consumer is not required to verify information in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these suspicious accounts from my reports as soon as possible. 

XXXX XXXX {$2300.00} XXXX  XXXX {$24000.00} XXXX/XXXX  XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$6300.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX   XXXX {$3300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$51.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$1800.00} COLLECTIONS XXXX {$90.00} XXXX/XXXX  XXXX {$150.00} XXXX/XXXX  XXXX {$2200.00} XXXX XXXX   XXXX {$9900.00} XXXX XXXX {$8000.00} XXXX XXXX {$98.00}
Product: Debt collection

Wakefield and Associates is claiming I owe a debt, and the balance of that debt is {$0.00} but somehow shows up on my credit report as a debt/balance owed. I never owed them anything so I never paid anything late and therefore shouldnt be a balance at all especially a XXXX balance. Please take this off all credit reports its causing a lot of problems for me.
Product: Debt or credit management

Ive been a long time subscriber to Lexington law. They are advertised as a personal credit repair service company, which I have been purchasing over the past few years. There tactics are have the customer to pay in advance and wait for updates. Ive followed what I believed an accurate credit repair model, but havent seen any results or returned answers. They refuse to acknowledge any issues.