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

I am writing to bring to your attention a serious issue I have encountered with my credit report. Upon reviewing my credit history, I discovered multiple hard inquiries that I do not recognize nor authorized. Despite my efforts to resolve this matter with the credit bureau, they have failed to comply with my request to remove these inaccurate inquiries. 

I have diligently followed the proper procedures by contacting the credit bureau and formally disputing these inquiries. However, to my dismay, they have neglected to take appropriate action to rectify the situation. 

In light of these circumstances, I have attached an identity theft report as evidence to substantiate my claim that these inquiries are not legitimate and are the result of fraudulent activity. It is imperative that these unauthorized inquiries are promptly removed from my credit report to prevent any further damage to my financial standing. 

I demand immediate action to investigate this matter thoroughly and ensure the removal of these inaccurate inquiries from my credit report. Your intervention in resolving this issue is crucial to safeguarding the accuracy and integrity of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

I am Listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX XXXXXXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and credit report agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from my Credit Report.
Product: Credit reporting or other personal consumer reports

Within the same day, Ive been willfully denied the request of the information that I am seeking in my CFPB complaint thats marked as a duplicate. XXXX XXXX XXXX XXXX XXXX operating with disregard to fair credit reporting. I simply requested for them to provide merchant transactions of all purchases that they alleged to have occurred on the account in which theyve deemed delinquent and accumulated outrageous late fees. 

Every attempt I made theyve willfully avoided providing that specific information. The only response Ive received is general statements and post closure account details. 
Continuing to not comply, and allowing them to report negligence without evidences puts the credit bureaus just as much in the wrong as them. 


The attached documents clearly displays that none of my request has been voluntarily adhere to. They address every aspect of the account other than the specifics of proof of account expense, leaving a balance. No merchant details no locations no purchase price of any sort just allegations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Mortgage

Our problem seems to be with Ditech billing system. AND COMMUNICATION! Since Ditech bought out our mortgage, we have been paying electronically and ALWAYS on time. For the last several months we have been notified that our payments have not been received and late fees charged. I have had numerous phone conversations with Ditech, validated the account number, the issue is apparently resolved, but the next month it continues all over again. I fear this will show up on our credit report and want it fixed. I finally had a conversation with a supervisor and she assured me she found the error - on their end, and it would be fixed within a few days. 
That was last week, and our statement is still indicating we have not paid and now no one will respond to our calls. I have bank statements to prove payments have been made, - on time, and cashed by Ditech. They seem to be purposefully not responding, this is just not acceptable. This is so frustrating, are you able to help?
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts & inquires on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in to make a payment because I always set my payments up to come out automatically but this one did not do it so four days later I noticed and called on XX/XX/XXXX. It was due on XX/XX/XXXX. I was asking is there a way to make my payments lower being I am a student. The monthly payment was {$72.00}. They talked me through setting up a payment plan and said because I was approved for this plan my first payment would have to be on XXXX for {$98.00} which I did. It was set up for {$31.00} to come out automatically every month which it has. I was told the account would not accumulate interest while I was on the plan. Not only was that a lie, they reported my account past due to the credit bureau. After calling 10 times to try and fix it they are saying that the account was reported in error and that they fixed it. However what they actually did was remove the past due from XXXX and put it on XXXX. A supervisor called me said they never reported it and I should dispute that with the credit bureau. The credit bureau said I should dispute it with XXXX. The 4 representatives from XXXX would not transfer me to a supervisor and three of them just told me to hold on and hung up on me. Now my credit score is even lower. I am always on time with all my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : SXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). These items have had a significant negative impact on my credit score and I believe they are inaccurate. I request that you investigate these items and remove them immediately from my credit file. 

XXXX  XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX  XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I do not recognize this account, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

I kindly request that you investigate these items and remove them from my credit report as soon as possible, as per my rights under the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect birthday on XXXX. 
Incorrect Names on XXXX. 
Incorrect address and name on Equifax. I am aware of being able to sue them for incorrect items reporting. I reached out several times to no avail. Several collections on my account whom I have never heard of as I did not do business with these individuals. I am attaching my DL and a bill to update addresses.
Product: Debt collection

XX/XX/year> Received yet another text message about XXXX XXXX. I do not know either XXXX XXXX XXXX. This is their second attempt to collect a debt I do not know.
Product: Debt collection

I XXXX XXXX believes that the Fair Debt Collection Practices Act is being violated with a collection on a public utility debt that has not been proved with true copy originality submitted to me. Secondly, public utilities have no right to post collections on any of the pertinent credit bureaus. This collection is not only a violation of the FDCPA but of the Fair Credit Reporting Act as well. The collection must be erased from my credit profile immediately, and if this collection is valid, a complete attachment of documents must be submitted along with the transfer of either ownership or power of attorney to collect the debt if indeed it is valid. Therefore, this account must be deleted immediately and permanently!!!
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 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 by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I used PayPal under the impression that I was paying for mentoring session through XXXX XXXX XXXX. 

I was speaking with XXXX XXXX who is ( was ) an employee of the company. I was always under the impression that I was speaking to her as she was a representative and consultant of the company. However, she had me to sign up and pay for the services through her own company ( XXXX XXXX ) instead of XXXX XXXX XXXX without my knowledge. 

She even uses the same exact platform as XXXX XXXX XXXX and copied their set up so that I would not know the difference. 

A fraudulent bait and switch was used to have me to send money to this persons ( XXXX XXXX ) own personal PayPal instead. So {$1100.00} was sent to her personal PayPal under false pretenses making the contract null and void. I was always under the impression that I was working with XXXX XXXX XXXX the entire time and XXXX was just XXXX of their consultants representing the company. I was deceived. A police report has been filed. DC # XXXX.
Product: Credit reporting or other personal consumer reports

I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 
Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern
Product: Credit card or prepaid card

XXXX errantly processed a {$180.00} charge even though a trial was CANCELED DURING THE TRIAL PERIOD. XXXX also confirmed the TIMELY CANCELLATION with numerous chats and E-mail messages with " We're sorry to see you go '' and other statements of CONFIRMATION ATTACHED. Capital One FRAUDULENTLY claimed to have replaced their broken link to upload all of this documentation with another link and no such replacement link was ever delivered. Capital One phone reps say one thing and Capital One 's back office does another. Capital One FRAUDULENTLY claimed to have mailed a letter asking for the documentation that Capital One failed to take online, yet no letter was ever received.
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 # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : 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: Debt collection

I spoke with this company MULTIPLE times where I was dealing with XXXX Directly. XXXX has informed me multiple times that we are handling this together. And this company keeps calling me and telling me I need to pay them. And they give all information over the phone, they even told my sister my social security number over the phone. REALLY!?!? That is not professional, what if she didnt even know me. They have NO BUSINESS putting this on my credit report as I am not doing business with them NOR do I owe them ANY MONEY!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I have inquiries on my Equifax report that I do not recognize never sign up for these it got to be fraud the first one is XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. The second one is XXXX XXXX on XXXX XX/XX/year> and XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XX/XX/year> XXXX  XXXX via dealer XXXX XX/XX/scrub>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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

I rented this apartment in XXXXXXXX Washington with me and my mother. We we do not owe this debt of the amount they say we owe. We were sued for it and are being forced to pay it. We got an attorney and they found out that its not our debt to pay. We are on section 8 housing choice voucher receipt and we satisfied our financial obligations under the lease agreement before my departure in XXXX of 2022. The plaintiffs records confirm this and a review of the ledger, filed by the plaintiffs, shows that my balance at the time I vacated was $ XXXX I believe that the subsequent entries in the ledger pertain to a different tenant that we dont know. The name of the company is Columbia debt recovery LLC {$7000.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the police report, filed disputes on XXXX XX/XX/2021 {$840.00} ACIMA XX/XX/2021 {$3400.00} XXXX  XXXX XX/XX/2021 {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Credit has reported me to all all 3 reporting bureaus as late payments were made and Ford never updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was merely trying to link my account so that several creditors could be reported to the 3 reporting agencies. They report all negative but very few good credits.
Product: Mortgage

I am XXXX working with homeowners on modifications of their mortgages. When the modification involves placing the arrears at the end of the loan the permanent modification documents indicate the current principal balance ( ex. {$100000.00} ) and then the balance of the new modified mortgage ( ex. {$140000.00} ). The balances are regularly significantly higher but there is never a breakdown as to how they got to the higher number. There could be errors that are made but the homeowners are signing onto the higher amount out of desperation. What are the arrears, taxes, attorney fees, costs etc that are being included? The banks have to have the breakdowns readily available. They should be required to provide them in the permanent modification packets.
Product: Credit card

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Product: Credit reporting or other personal consumer reports

I am demanding the immediate correction of the inaccurate personal information on my credit report. My correct and complete name is XXXX XXXX XXXX XXXX, and my current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are legally required to ensure maximum possible accuracy in credit reports. Furthermore, 15 U.S.C. 1681b mandates that consumer information must only be reported for a permissible purpose. The continued presence of incorrect name variations and outdated or inaccurate addresses is unacceptable, unlawful, and must be corrected without delay. I demand the immediate removal and update of all incorrect personal information to reflect only my accurate details. Failure to take swift action will be considered willful noncompliance under 15 U.S.C. 1681n, subjecting your agency to liability of {$1000.00} per violation. I expect immediate compliance to ensure my credit file accurately reflects my identity, and I will take further action if these errors are not corrected at once.