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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Experian is reporting a wrong address : XXXX XXXX XXXX XXXX Ive made many attempts to reach Experian about this issue they have also exceeded their time to respond to matter
Product: Mortgage

I lost business due to covid I applied for a forbearance. I was told that my lender didn't participate ... I then applied for a modification ... and now a short sale ... lender wont deny my request ... they just say ... no ... .no letter explaining..or detailing my request and denial.
Product: Debt collection

I am writing to dispute several late payment entries on my credit report. Upon reviewing my credit history, I have noticed discrepancies regarding the reporting of late payments on certain accounts. The details of these late payments are as follows : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a Savings Account with Marcus by Goldman. I am withdrawing only {$5500.00}. This criminal outfit Marcus by Goldman.blocked my transfer and blocked my saving account without no cause - causing significant signifcant problems. it is my money- not this criminal outfit 's money. Furthermore, criminal outfit Marcus by Goldman countiunes to discriminate and harass me.
Product: Credit card or prepaid card

This year I just went through a divorce and I found out my name was stuck on one US Bank credit card with a XXXX balance that was owned by my ex-husband way before we marry. I knew in the middle of the marriage XXXX XXXX XXXX ) he added me on the card as an authorized user but I never seen the card or used the card myself, ever. Later this year after the divorce is finalized, My ex-husband called them to remove my name off the card because it stated on divorce decree that this card belongs to him and he 's to pay it off. At this time the bank told him I was added as an " co-appliant '' and they wo n't remove my name unless the balance on the card is paid off and the account is closed. I know splitting mutual owned accounts/credit cards is common in divorces. But this is absolutely not the case. Because I did n't authorize my name to be added into his old credit card as an " co-appliant '' or " joint owner ''. As such process should be happening when both parties apply for a card at the same time. The card was not closed ( still got balance on ) when he added me, not a new credit card account was issued at the time I was added, there was not a credit limit increase by the time I was added. Plus I was a stay at home mom when my name was added. I had no income. Most importantly, I DID N'T sign anything. This year I requested to them to send me a copy of anything I signed in XXXX XXXX, they could n't provide any documentations. How could my name simply be added as " co-appliant '' if I did n't apply anything?? How does this make sense? I do not know if my ex husband was committing fraud by making fraudulent signature for me, which I 'm guessing not the case. Because all I remembered was he made a phone call. There 's no paper involved. Not even an email asking for my signature. I DID NOT authorize my name to be added into his old card and this big bank corporation simply did n't care or try to be reasonable to investigate and give me an answer.
Product: Credit reporting or other personal consumer reports

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that it contained numerous inaccuracies, indicating I am a victim of identity theft. These companies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and privacy of consumer information.

Under the FCRA, specifically 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate and correct any inaccuracies. Additionally, as per 605B ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit report.

Furthermore, any communication by debt collectors regard
ing these inaccuracies violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) 805 ( c ) ( 15 U.S.C. 1692c ). According to this provision, if I notify a debt collector in writing that I refuse to pay a debt or wish for them to cease communication, they are required to stop, except under specific circumstances.

In light of these regulations, I formally request the removal of all inaccurate and fraudulent information from my credit report. Please address this issue promptly to comply with federal laws and ensure my credit report accurately reflects my financial history.

these companies are in violation of the FCRA LAWS. reporting to my consumer report is a form of communication 1692c. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. please remove this information off my report. 

these are the account stemming from identity theft : XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX  {$880.00} XX/XX/XXXXXXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX {$9200.00} XX/XX/XXXX
Product: Debt collection

I am a renter in a condo complex. Starting around XX/XX/XXXX there was some kind of back up in the main pipe line under the building. After my owners plumbers could not fix the issue from my side of the unit it was eventually fixed by my adjacent neighbor 's plumber 's company in his own unit. Since all four units connect to this one main line both plumbers established no one could be made at fault, due to the fact it would always back up where all these pipes meet. To my knowledge that was the last of the incident. 

Around four months later on XX/XX/XXXX I get a call from Stuart-Lippman and Associates saying that I owe XXXX XXXX over {$3000.00} due to this event. They brought up the fact that I didnt have renters insurance at the time, but knowing the insurance industry I know that renters insurance only covers personal property anyways. It has nothing to do with another persons dwelling unless you are purposefully caused damage. My main issues are being that they seem to be violating multiple FDCPA violations. 

First off, I have never seen any written proof of this debt [ 15 USC 1692g ] 809 ( a ). XXXX XXXX has never even contacted me about this issue, so to me it looks like they are trying to collect on a debt that they know isnt valid. The second issue is that they refuse to validate the debt. The incident was never determined to be at my fault, not even XXXX XXXX contacted to me to establish a liability issue. Yet Stuart-Lippmann keeps telling me it was my fault for the incident and that I need to pay them which makes me think they are lying. When asking them to verify this debt the collector simply ignored me and tells me thats not what I heard, and they still are trying to collect [ 15 USC 1692g ] 809 ( b ). Basically they are trying to collect on a debt they have not verified, and refuse to verify. 

The collectors information : Stuart-Lippman and Associates ( XXXX ) XXXX XXXX, Arizona XXXX
Product: Debt collection

The credit reporting agencies allowed a merchant to file a negative report against me without any valid evidence. I explained to the merchant that I have never lived in their apartment complex. After failing to convince them that I was not a residence and that I own a home, I ask for a lease contract with my signature and was send an itemize bill with my name typed into it.
Product: Vehicle loan or lease

On the XXXX of XXXX, 2018, I was looking through the process of what it would be like to have a co-signer help me apply for an auto loan through JP Morgan Chase Bank. When I was looking through the process, the computer randomly froze and a message popped up saying Were sorry, this part of our site is unavailable right now. 
I thought nothing of it, but then when I went to check my account, I had a hard inquirie from it, regardless that I didnt E-sign anything or that it didnt even go through. 

After looking, I see now that I have more than one inquirie from Chase Bank like this one that I never consented to or knew would happen, which I find to be very misleading. The Auto Financing option should not give you hard inquiries by simply looking through their cars, options, and processes. Now I have hard inquiries on my account from not even applying for the loan.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I see that TransUnion has attempted to fix the issues I have complained about and I'm thankful, but I keep complaining about the same issues being furnished that are violating my federally protected consumer rights. I received mail that I will have attached below from TransUnion in reference to my XXXX XXXX XXXX accounts that they're reporting. I still see my experiences with XXXX XXXX XXXX  are still showing on the report. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I will have the experiences that are still being furnished from XXXX XXXXXXXX XXXX  report marked up in the attachment below. Also, my invoice is attached below.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  XXXX XXXX Balance : {$1000.00}
Product: Debt collection

XXXX XXXX billed my insurance out of network, then billed me for a larger amount then my copay. I brought the matter to their attention and they told me they would look into it. XXXX XXXX admitted they misbilled me and would take care of the issue with my insurance company. In the meantime, I was making small payment on the bill to get rid of it but XXXX XXXX kept sending me bill for the whole amount without showing what I had paid so I stopped paying and called their collections office. I was told the matter was taken care of and in their system, the amount owed was set to {$0.00}. I then received a letter from Credit Bureau System Inc and I tried to talk to them and they told me too bad that I was responsible for the bill and hung up on me.
Product: Credit card

Back in XXXX I was a victim of fraudulent activity on my XXXX credit card ( issued with Wells Fargo ). I put a Fraud Alert under my name and my account was closed. I paid off my last statement completely. Which included my XXXX Rent. 

However, something happened with the rent payment. And I still had to pay XXXX 's rent with my checking account even though I paid it via my most recent XXXX credit card statement. I talked to XXXX customer service and they mentioned that they gave me a credit with Wells Fargo, and that they would be able to assist me further. 

I have contacted Wells Fargo 3 times. The first 2 times they said they see a credit on my account and will mail me the check. I never received it. I later went to a branch in person to try to apply for the same credit card in order to get my credit that way, but they said I could not apply for the XXXX card at the branch ( and I need to apply in person because I have a fraud alert with the credit bureaus ). I recently contacted them again and the person I contacted did not help me at all.
Product: Credit card or prepaid card

I don't have to much information, the account was open under my name without my knowledge and was charge with more than {$500.00} plus fees, te account need to be closed
Product: Credit reporting, credit repair services, or other personal consumer reports

SAME AS PREVIOUS COMPLAINT, WENT TO XXXX XXXX, THEY RAN MY CREDIT FORA CAR LOAN THRU A CREDIT AGENCY WITHOUT MY CONCENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/2021. Today is XX/XX/XXXX and I have not received no response back from the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX  XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXXXXXX XXXX XXXX Balance Owed : {$100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$160.00}
Product: Student loan

I took out a student loan in XXXX with Navient, I have since than been deferring this loan. On XX/XX/XXXX, I received an email from XXXX XXXX ( my credit card ), advising me that my credit score had dropped from XXXX to XXXX. When I viewed the reason, I discovered I was 90 days past due on my loan. I did not receive any type of contact from them letting me know my bill was due. Every year, I receive a letter from them and I defer the loan, this time I received nothing and therefore, was unaware the account was delinquent. I recently moved to California on my own and am work part time and enrolled in college for XXXX XXXX full time. This neglect by Navient has changed my life. I work hard on my keeping my credit score above average and now it is below average. When I contacted Navient, they informed me that I did not have an account with them and I tried to explain that I did because I have deferred the loan for years. I than questioned why I didn't receive a bill and their reply was because I was signed up for electronic billing. This is contradiction by Navient, how can I sign up for electronic billing if according to them I never had an account and if I never had an account, where has my loan been for the past years. Navient informed me the only way I could get it removed is if I file a dispute, which I have. If Navient was not neglectful in contacting me has they have done in the previous years, this would not have happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Re sending a complaint, the debt buy didn't give me a notice of debt or the right to validate debt before placing on credit report violation of FDCA, also I don't have a contract with this debt buyer to buy any debt on my behalf violation of USC codes. Contract laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint because CONGRESS COLLECTION have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( XXXX ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.