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

On XX/XX/2020 I sent a certified letter of dispute regarding unauthorized inquiries on my credit report. After not having received a response within 30 days, I then filed a dispute online regarding the inquiries, as I recently noticed there is an option to do so on myequifax.com. When submitting my dispute, the second step is " uploading of documents '' however that second step is not a viable choice. After selecting " next '' it skips over that step entirely because that is not actually an option. I submitted the same dispute 2 times, the first on my phone then on my lap top. In both cases I was not given the option to upload a document. I then decided to follow up via phone, on XX/XX/2020 at roughly XXXX, after not having been able to submit my documents. When speaking with the representative from Equifax I was told that I was not able to dispute the inquiries with Equifax, over the phone or online, that I had to contact the lender directly. I then stated I already had contacted the lender and that I do have the ability to dispute any item on my report that is not accurate and they are legally bound to investigate. She stated Equifax will not investigate inquiries. I then asked her why t is there an option to dispute an inquiry right on their site, yet she is telling me the complete opposite, they will not investigate? She kept repeating I have to contact the lender. I then went on to say never mind I'm getting the run around, that I would just file a complaint and that I now wanted to know how to repair a line of credit and the apparent transmission error that is occurring, the lady then hung up the phone. So it has been ore than 30 days since I disputed the items. The first by certified mail and online twice. I never received a response until today at which point I called to inquire about uploading documents, and was told Equifax would not investigate, although the option to dispute them is right on there site. They also claim to have investigated an account of which I reported a now XXXX balance, the outcome did not change my report as it should have. 

XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

After carefully analyzing my credit report, I identified several accounts that I believe are fraudulent and were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been sending the CRA 's ( TRANSUNION,XX/XX/XXXX AND XX/XX/XXXX letters since XX/XX/2020 disputing negative and old accounts that they have refused to removed.the second letters was on XX/XX/XXXX2020, and the 3rd letters wasXX/XX/XXXX2020.Neither time has they responded to either of the letters.they are violating my rights by not deleting inaccurate and incomplete information from my credit report. i will attached copies of the letters below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... inaccurate information are reporting on this credit report from XXXX i have attached a copy to prove it.. EVIDENCE IS IN BLACK AND WHITE... STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

The Texas Attorneys Generals Offices wrongfully place a child support debt on my account of over {$34000.00}. After contacting my Congressman office, the OAG did a review of my account and found that their reporting was indeed inaccurate. In fact, they acknowledge that they were clueless of why and or how they had the account in the first place as the account belongs to a different state. 

The OAG, zeroed out the balance but kept the account as accurate and remains. 

At the time of reporting even until today, I did not and do not owe the amount that caused the OAG to open and report a negative on my credit bureau. Whether the account was zeroed out ( as was done ) or if it was a {$1.00} off, the account was inaccurate and can not be considered accurate and shouldn't remain after the adjustments.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax Credit score dropped significantly with in the last 2 months. I contacted Equifax customer service representative to try to rectify the problem. I never had my credit scores to drop 172 points in a weeks time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting company, PHOENIX FINANCIAL SERV, is violating my rights under HIPPA Law for account XXXX XXXXXXXX. I have reached out to them via mail ( see attached ) requesting information regarding the collection. I have not received a response from them with the requested information and it has been 30 days. That is grounds for removal for the reporting company and medical center reporting personal information without my approval. Witholding the information they received from any medical provider in an attempt to be HIPAA compliant is a violation of the FDCPA because they are deceiving me after my written request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy.

2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions.

3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. 
These items must be DELETED immediately and a rapid re-score is requested.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding my repeated and unsuccessful attempts to correct inaccurate late open accounts and public records on my credit report. Despite my diligent efforts, these inaccuracies persist, causing significant damage to my creditworthiness. 

The issues I am disputing are as follows : XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX. 

I have taken the following actions to address these issues : I initiated my initial dispute with your bureau, providing all the necessary documentation to support my claims, including evidence of the inaccuracies related to late open accounts and public records. 

Subsequently, I followed up to inquire about the progress of my dispute and request updates on the investigation. 

Regrettably, the inaccurate late open accounts and public records remain on my credit report, negatively impacting my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is imperative that my credit report reflects my financial history accurately and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and rectify these issues promptly by removing the inaccurate late open accounts and public records from my credit report. Timely resolution of this matter is vital for my financial well-being. 

Please provide a written response within 30 days of receiving this letter, as mandated by the FCRA, outlining the steps you have taken to address these issues and any changes made to my credit report. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies.

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Product: Debt collection

Ive been a victim of identity theft since 2007. I have been paying off debt that isnt mines for years to have them removed from my credit file. 

I pulled my credit file, I have XXXX listed on my credit file, immediately I contacted XXXX to report fraud. When I call in XXXX can not verify my address or my name as I write it only my SSN and not my correct address. 


After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a response of all they have to have is SSN. I call and get transferred overseas and a script read to me. I contacted them with all of my info. Today I called in and they said I could pay them XXXX XXXX to remove from my credit file. I refused to pay a debt that doesnt belong to me. 

XXXX refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas. The information they are reporting is not mines. My FICO shows someone else other than me has been using my Information Im sure theres more fraud to come. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my XXXX XXXX negatively. 

XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some account that i am not familiar with. I have asked the credit reporting agencies for validation of dept, however the information has not been provided. Due to my information being exposed, i have submitted an FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach, and a validation of dept letter.
Product: Credit reporting or other personal consumer reports

in accoradance with the fair credit reporting act, the accounts XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX reported paid but with a late payment was never late also acct # veros credi acct # XXXXXXXX XXXX  acct # XXXX has violated my rights under 15 US 1681 15 USC 1681 SECTION 602 A 15 USC 1681 SECTION 604 A 15 USC 1681 SECTION 2 15 USC 1681C ( A ) ( 5 ) 15USC1681S-2 ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX in XXXX, I discovered that Experian had published several unauthorized items on my consumer report without permissible purpose. I sent a dispute letter to Experian on XX/XX/XXXX via USPS Certified postage. They NEVER responded to that dispute letter! On XX/XX/XXXX I sent a follow-up dispute letter to Experian via USPS Certified postage. 

On XX/XX/XXXX I received an email correspondence from Experian stating to me that their investigation of the dispute was now complete. They stated that they determined the data furnisher had previously verified the reported information. 

These blatant actions that the Executive Officers of Experian clearly condoned have caused me loss of business relationships, marital instability, XXXX and XXXX  thoughts due to public embarrassment and shame by my family who mistakenly opened and read my mail, ( due to a similar name ) discovering these several unauthorized items on my consumer report published without permissible purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 Equifax XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you remove itens immediate take off the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed from my credit file. 
This not a regular dispute I have filed a complaint with federal trade commission to document being a victim of identity theft. 
Please remove this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the fair credit reporting act. I am requesting that the following fraudulent accounts be deleted from my credit file : 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: Checking or savings account

On XX/XX/XXXX, I opened an account with First Tech Federal Credit Union. At that time, I signed up using a friends valid referral link and enrolled in a {$100.00} new account promotion. The promotion required depositing {$250.00} within 30 days and maintaining that balance for 30 days. My {$250.00} opening deposit posted on XX/XX/XXXX and I held this balance for 60+ days. I did not receive the bonus from the bank and after following up with First Tech, I was informed that my referrer was ineligible to refer me. However, after reviewing the terms, there is no clause stating that I would not receive the bonus if the referer was ineligible ( just that the referring party would be ineligible for their bonus ). I have successfully completed the terms of the bonus and am requesting that the credit union honor their promotion, Terms for Referred members ( from First Tech ) ( 1 ) To qualify for the {$100.00} reward, must establish membership and open a checking account. Account opening subject to approval. 
( 2 ) Within 30 days of checking account opening, must deposit at least {$250.00} in new funds into their First Tech checking account and maintain an average daily balance of at least {$250.00} for 30 days from initial deposit. New funds must be deposited from a source outside First Tech. Transfers between First Tech accounts will not qualify.

( 3 ) Limited to one {$100.00} reward and not available in combination with other new member offers.
Product: Mortgage

My loan has been transferred a handful of times before it reached Selene Finance. It was originally with loandepot, transferred to XXXX then back to XXXX and to XXXX then back to XXXX then onto Selene Finance. I was under a forbearance plan during all of the transfers between lenders and each time the lenders have referred me a new and updated request for my financial situation. I have provided information to each vendor and clarify that I was in no position to repay the amount under forbearance. As I was submitting documents to Selene Finance, i was given improper information by representative that couldn't assist me with my loss mitigation application. I have received different information, provided all documents, and Selene Finance have kept asking me for updates on signatures with different lease agreements, different bank accounts, different paystubs. My paystubs are pay in different time frame of the month as my bank statements are sent by the vendor at a different time frame as well. The CAR lease agreements does not need signature from every party on every page. Initials are required on every page and the signature is just required on the last page and on every other form. Next, I was told the loss mitigation application was incomplete a numerous times, wet signature was required. I have submitted document after document, months after months, on the phone with representative over two or three dozen times. Just last week, I was accounted that the underwriter has approved my loss mitigation application and will modify my loan with trial payments. Now in the process of all of these events, my credit has been affected since XXXX of 2024, I like to kindly ask during this process and procedure that the bad credit reporting to be removed during the forbearance plan.
Product: Mortgage

My wife and I bought a house and closed on XXXX/XXXX/XXXX. At the time that we bought the house the taxes per year were {$900.00} a half because there was a tax abatement that we were not made aware of. The title company collected the {$900.00} from the seller XX/XX/XXXX. We have just received our tax bill for XX/XX/XXXX and the bill is {$1500.00}. That is about {$640.00} more than was expected. I called my mortgage company and they have stated that they paid it, but our payment is going to increase by over {$200.00}. I called the title company and they stated that they are not responsible because they based the tax on XX/XX/XXXX. I can understand that the taxes have gone up even though no one has explained the abatement to me, but for me to have to pay the {$650.00} in tax for a time period in which we did not live here is unacceptable. I would like to be advised on what I can do with this issue.
Product: Payday loan, title loan, or personal loan

Completed a merchant financing application on XX/XX/XXXX for a new Amex Merchant Financing loan ( have had 4 prior loans, all paid off early, and all with perfect payment history ), and received an instant decline with the representative. Was told that they were unable to see any details, and that I would need to wait for a decision letter that could take up to 30 days to receive. When the decision letter was received, it stated that : 1. There has been a decline in your Merchant account 's last 12 months of Amex Transactions compared to the previous 12 months. ( our records indicate that there may be a decline by no more than {$2000.00} however the Amex manager states that what they see is close to 30k less. She states that since it is a computer based decision, they can not request our documents to show that they are not providing me with all of the accurate information ) 2. Your Merchant account does not have sufficient tenure with American Express. ( We have been members since XXXX, and this has not been an issue with prior loans ) 3. Your Merchant account does not have sufficient American Express charge volume. ( As stated above, numbers are not significantly lower, and we have been with Amex for close to 8 years ) The lack of response from Amex other than that a computer made the decision without allowing a chance for correction of false information is incredibly disturbing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with TSC ACTS REC ( Original Creditor : XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, TSC ACTS REC ( Original Creditor : XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

sold information to third party breach of contract reporting to credit report without prior written consent