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

Experian is reporting inaccurate information on my credit report. XXXX  Acc # XXXX is reporting lates on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. This information is not correct. I have sent documentation showing the information Experian was reporting was wrong but they have failed to contact me or remove this information,
Product: Debt collection

XXXX XXXX is the original debtor, Senex services is the collection agency. I only visited this hospital once and I was insured at The time of the visit, so I do n't owe them {$110.00}.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made of a material basis, representation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information relevant to me as a consumer nor were these items related to any transactions completed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I AM asking and block and remove these transactions being reported to my consumer report within four ( 4 ) days of the receipt of this notice.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TU 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. These unauthorized inquiries mentioned below were created through identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the errors on my credit report be corrected. Despite my previous request, these errors have not yet been removed and have had a negative impact on my credit. As I previously mentioned, I was a victim of identity theft and, according to the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ), you are required to remove any accounts that were opened without my knowledge, consent, or authorization. In addition, according to Section 1681c-2 ( a ) of the FCRA, you must block any information in my file that I have identified as resulting from identity theft. I have provided documentation to support this claim.

Your reporting of incorrect information has significantly affected my ability to obtain credit. It has also been brought to my attention that, under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ), this could be considered an adverse action. Therefore, I request that the following accounts be updated to accurately reflect the correct amount, date, status, open and closed date, last date of activity, and time. If you are unable to correct these errors, please delete the accounts from my credit report immediately. I have included an exhibit of evidence highlighting the inaccuracies in my reports. I ask that you thoroughly investigate the accuracy of all information. 
Name NAME : XXXX XXXX XXXX XXXX Accounts XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$870.00} XX/XX/year> INQUIRIES NOT RECOGNIZED XXXX, XXXX, XXXX XXXX SOCIAL SECURITY NUMBERS NOT RECOGNIZED SSN : 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX CARD-Date of inquiry XX/XX/2020
Product: Credit card or prepaid card

I have a Chase Bank Account and XXXX Account with thousands of dollars in them : both are compromised at this time. ***On the yearly basis it has rendered me XXXX. 
XXXX XXXX  as well : however I have a case pending with XXXX XXXX   because of out of state purchases.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to request of you to remove the accounts and information you report on my Credit File which resulted due to identity theft. I sent a letter on XX/XX/XXXX, to remove accounts and infomation I found on my Credit XXXX  that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Once again, I need you to remove the following accounts and information from my Credit File at the earliest possible time : XXXX XXXX Pa Date Assigned XX/XX/XXXX XXXXXXX XXXX XXXX  {$61.00} XXXX  XXXXXXXX Date Assigned XX/XX/XXXXXXXX XXXX XXXX {$510.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. Also, please send me copies of proof of verification from your investigation in the event you believe that the disputed items belong to me. If you can not find any documents to support your claims, immediately remove the disputed items from my Credit File.
Product: Credit reporting or other personal consumer reports

What happened? 
I am filing this complaint because my credit report contains collections and addresses that do not belong to me. These inaccuracies are negatively affecting my credit score and financial standing. I have not authorized these collections, nor have I ever resided at the listed addresses. Additionally, XXXX of the companies, XXXX XXXX XXXX, continues to report unauthorized collections on my credit report. 

Specific Details : Unauthorized Collections : XXXX XXXX XXXX Reported : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/year> XXXX XXXX XXXX Reported : XX/XX/year> XXXX XXXX XXXX Reported : XX/XX/year> Incorrect Addresses ( Unmailable Addresses ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Actions Taken : I have contacted the credit reporting agencies to dispute these inaccuracies, but the issues have not been resolved. 
I have also reached out to the collection agencies and provided evidence that these accounts and addresses do not belong to me, but the collections and addresses remain on my report. 
Relevant USC Codes : 15 U.S. Code 1681b - Permissible purposes of consumer reports.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance.

15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account for Preferred this on XXXX website, the XXXX website and thru XXXX  website. I also made a complaint thru the FTC regarding this as well. I tried calling the company, but got no where. They said that the person had submitted a copy of my license to finance this. I'm not sure if this was a fake license or what. Which has happened years ago where someone made a fake license to cash a fraud check against my account.
Product: Credit reporting or other personal consumer reports

Hello, I would like these accounts removed off my report because I did not authorize these companies to run my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute 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. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. I found that under section 605b ( a ) TransUnion 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

I received a letter from XXXX XXXX , XXXX today, X/XX/17 that stated that I owe XXXX money. I called XXXX and confirmed that I do not owe anything- I called both XXXX XXXX as well as XXXX XXXX . I then called XXXX XXXX and explained the situation and was told that I am disputing the charge. I am filing a complaint here because they have also been calling me incessantly over the past few weeks from various numbers in XXXX XXXX, NJ, including : XXXX, XXXX, XXXX. I just hang up usually but when I called back once to see who it was, it turned out to be Convergent.
Product: Checking or savings account

I need to be able to use the new XXXX account
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by your agency. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

This started back in XXXX on the XXXX with LVNV FUNDING LLC XXXX have sent letters to this company and no documents supporting their claim, I have proof from the bureaus that this information has been REMOVED AND NO SUPPORTING DOCUMENTS STATING THIS IS MY ACCOUNT, the information is unverifiable I also filed a fraud statement with identitygov. This has hindered me from obtaining credit please get this resolved immediately. I DO NOT HAVE A CONTRACT WITH THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed some inquiries on my credit file that Im not aware of I contacted the bureaus they told me contact the creditors I did all that & I have been dealing with this mess for at least 3 months now. I have not heArd anything back from the bureaus or the creditors. I sent letters telling them to send me written documents verifying my ID signed contract and all showing who could do this to me and they never responded. Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inaccurate inquiry
Product: Credit card or prepaid card

Chase bank sent me a pre-activated card that was stolen before it reached me. This stolen card was used to make a fraudulent purchase in another state, I live in NJ and the purchase was made in XXXX, Ohio. I was alerted by the bank at XXXX that a suspiscious charge was made on this card, to which I replied that it was not me. The bank then canceled the card. Unfortunately for me there was a charge prior to the one that prompted the fraud notice. I have repeatedly tried to get Chase to recognize this as a fraudulent charge, without any luck as of yet. I have filed a police report with my local police department ( XXXX XXXX Police Department ) in XXXX XXXX, NJ ( case number XXXX ). I have spent hours on the phone with XXXX at the direction of Chase Bank, only to be told that I need to follow up with the police. Chase Bank continues to put the onus of this investigation on me.
Product: Debt collection

A collection report was posted to my credit report after paying the debt in full to the original creditor. There a 3 from the same original creditor that were set up on a payment plan. The debt was payed in full in XXXX/17. The new creditor is trying to collect on this same debt 3 months after it was paid in full to the original. I will include the Bank documents to prove it. It infuriates me that they are reporting falsely and that I have to spend time fixing. I 'm pretty sure it 's illegal to try and collect a second time on a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seven endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX # XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$1600.00} XXXX Inquiry Date XXXX XXXX XXXX date : XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX, XXXX Inquiry Date XXXX, XXXX Date : XXXX, XXXX date : XXXX, XXXX date : XXXX, XXXX XXXX date : XXXX, XXXX XXXX XXXX Date : XXXX, XXXX  Date : XXXX, XXXX XXXX date : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX Balance : - XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

I recently did a refi with my lender PennyMac at the beginning on XXXX. My FIRST payment is not slated to actually occur XXXX. 

However, I made my first prepayment on XXXX against my mortgage of {$190000.00} for {$1100.00}, and was applied toward the escrow ( {$650.00} ) and principal ( {$470.00} ). I did indicate as such on my payment coupon. 

I have been going back and forth with them via numerous calls and direct email on their sit to get this fixed as the took {$460.00} and applied it to interest. They are not being helpful and that is alot of money misplaced