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

XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Debt collection

Wow XXXX compliance guy. So heres the think XXXX. I told u that ur site is broke. U sent me a screenshot. Then u said there was a link? Are u trying to be hilarious or were u seriously trying to get me to use your screenshot to make a payment. There is no link in the screenshot. What link. Am I just missing something and there is a link or what. The screenshot has no link. Plus its for the wrong loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accts listed below are in violation : 1.XXXX XXXX XXXX XXXXXXXX 2.XXXX XXXX XXXX- XXXX 3.XXXX XXXX  XXXX XXXX XXXXXXXX XXXX 4.XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I DID NOT GIVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY WENT TO PURCHASE A CAR AND I NOTICED A ACCOUNT ON MY CREDIT REPORT FROM XXXX XXXX FOR XXXX XXXX FOR XXXX THIS IS TOTALLY FRAUD I AM REQUESTING A INVESTIGATION BE CONDUCTED AND THESE ITEMS REMOVE FROM MY CREDIT REPORT ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$330.00} XXXX   XXXX {$940.00} XXXX XXXX XXXX XXXX {$0.00}
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 Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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, credit repair services, or other personal consumer reports

In short, Experian just told me they don't require any proof of debt whatsoever in order for a company to put a collection in your credit file, and all they have to do to counter a dispute is to say it's real. 

I have a collection regarding some random company I've never heard of and I've been unable to reach the collection agency, so I filed a dispute with Experian ( for some reason they are the only agency that is reporting it ). 

In the end, they said the collection agency said it was legitimate but when I inquired with Experian as to what proof they had sent, they responded with 'the proof resides at the collection agency- they just responded with a confirmation that the debt is accurate '. 

This is literally insane - what they basically told me is that anyone could send them a collection, accurate or otherwise, and they just ding your credit without any actual documentation or proof, and if one disputes it all the company has to do is say 'it 's legitimate '.

This can not possibly be in the spirit of the mechanism the agencies agreed to as the burden of proof simply doesn't exist at any step in the process. How is it that this is even remotely acceptable, let alone legal?
Product: Prepaid card

This is the second time trying to get a hold of a customer service representative for the same issue. Their website is not helpful and the number on the card isnt either. Luckily I still have the number that helped reissue another card but they were no help ( U.S. Bank ). Couldnt transfer me to anyone or resolve my issue. Looks like the only way to report them. There is a {$120.00} fund on this card and I can not use it.
Product: Vehicle loan or lease

I purchased a car in XXXX and started making payments in XXXX as required. On each payment, I paid extra and asked it to be applied to the principal balance. I asked via letter as well as wrote it on the check. The first letter was sent on XX/XX/21 with no response. The second letter XX/XX/21 and last was XX/XX/21 with no response. I have now paid an extra {$1500.00} that was NOT applied to principal and they have NOT responded. I also called customer service on XX/XX/21 and they couldn't resolve. The {$1500.00} NOT applied to principal will result in significant interest over charges. I am asking for these overpayments to be applied to principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone broke into my car a few months ago and now I am seeing request for my credit that I did not do. I have attached a copy of my identity theft report as well.
Product: Credit reporting or other personal consumer reports

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I, XXXX XXXX a federally protected consumer, mailed a document via USPS Certified Mail return receipt requested that notified Tranunion of SEVERAL inaccuracies on my credit file/report. Their response claims they have completed an investigation regarding the inaccuracies you were notified of, however the inaccuracies are still reporting, therefore Transunion must delete each account for inaccuracies. Attached to this complaint is the document I sent XX/XX/2022 as well as proof of the inaccuracies reporting on my consumer report, circled clearly for transunion 's convenience. The Fair Credit Reporting Act ( FCRA ) states that the banking system is dependent upon FAIR and ACCURATE credit reporting ( 15 USC 1681 ( a ) ( 1 ) ). It is disappointing and unfair Transunion would continue to report inaccurate information even after my thorough descriptions of each inaccuracy for each account. Because Transunion stated that an investigation was completed regarding these inaccuracies, I sent a document on XX/XX/2022 pleading that transunionanswer the following questions so I feel confident that their investigation efforts were not made in bad faith. 
What was Transunions method of verification for each account? with their method of verification, provide me with the names and testimonies of each witness that you conducted personal interviews with whether it be neighbors, friends, family members or associates. NOTE : an investigative consumer report shall NOT include information obtained directly from a creditor of a consumer ( 15 USC 1681a ( e ) ). Did Transunion verify that each furnisher for each account has the required SSA-89 form on file with my wet-ink signature? If yes, provide me with these verifications. Did transunion verify that I, the consumer, consented to consumer reporting? If yes, provide me with this verification. 
Not only are these accounts inaccurate, I, the consumer, did not consent to or give my written permission for this information to be reported ( 15 USC 1681b ( a ) ( 2 ) ). I am again exercising my right to privacy, and it is transunions grave responsibility as a consumer reporting agency to respect my privacy. ( 15 USC 1681 ( a ) ( 4 ) ). I am demanding that these accounts be permanently deleted from my consumer report immediately.
Product: Debt collection

Macys/Citibank N.A XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX In the Amount of {$580.00} on XX/XX/XXXX This account was identity theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX In the amount of {$1200.00} on XX/XX/XXXX This account was identity theft XXXX XXXX XXXXXXXX At & T/ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX In the Amount of {$300.00} on XX/XX/XXXX This account was identity theft
Product: Debt collection

I was told if I did n't pay that they would send a sheriff to my job and then garnish my wages.
Product: Debt collection

I contacted RISE via chat on XX/XX/XXXX to try to get an item removed from my credit report. The lady I spoke with said they did not have an account for me and they should not be reporting anything on my credit report but when I pulled my credit report today I saw RISE reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$18000.00} ; XXXX XXXX XXXX XXXX : {$660.00} ; XXXX XXXX XXXX XX/XX/2022.
Product: Checking or savings account

XXXX complaint resolved in my favor and charge was. to be removed. NOW 4 MONTHS LATER THEY KEEP BILLING ME, ADDING INTEREST AND REPORTED ME TO CREDIT BUREAUS
Product: Debt collection

I recently reviewed a copy of my credit report an a fraudulent apartment lease was opened on XX/XX/year>. A collection amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Spoke with XXXX XXXX with Dept of Ed about Borrowers Defense. I applied XXXX for Borrowers Defense with the Dept of Education. 
Dept of Ed notified lender XXXX that I was approved for Borrowers Defense on XX/XX/XXXX for all Loans related to XXXX XXXX XXXX XXXX XXXX XXXX ( part of XXXX ) total amount {$190000.00}. XXXX is part of XXXXXXXX XXXX and has been identified as fraudulent in their advertising and charges. 
I have made several attempts to have XXXX remove inaccurate balances, and payment history from my credit report. These loans are also currently collecting interest on inaccurate amounts. 

This is in direct violation of 15 usc 1681 ( 2 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XX/XX/year> to Experian to investigate and remove inquiries that are a violation of the Fair Credit Reporting Act. Experian emailed me telling me that I did not request that, that they have not taken action on my request.
Product: Debt collection

i have been getting repeat calls from this company for a XXXX   membership that i closed while i was in the club. I was never notify of any bills due after i submitted the cancellation form to the club and the club has never communicated with me as far as balance being owe. I need this debt to be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Creditor : XXXX XXXX XXXX
Product: Credit card or prepaid card

so 2 months ago today i called the creditor of this credit line and asked why when I make payments, my balance doesn't go down, ive been making consistent payments for 2 years never been late, yet my balance seems to not decrease. I am waiting for supervisor call back is been 2 months.. This is the second credit card I have a with new Upcoming credit card people and am noticing this is a pattern between these companies as they are both doing the same thing. I am not going to pay another dollar until we get this resolve. I am submitting reports everywhere that will accept one for these thieves.. I NEED ANSWERS ASAP. Continental FIN CO you have no consent to sell my account to anyone as this needs to be resolve by the original creditor. My history of payments reserve the right as Ive been treating this account responsibly and making payments. never had any issues until this caught my interest and decided to address it. My account has been closed, I have no access any more, and has been also hit with fees as if in retaliation, thats the current status. I need a president type of rep to give me a call and resolve this matter expeditiously. until then I will be submitting reports everywhere and see where else this will lead. I will retain a lawyer for this matter, if this is not dealt with correctly. I don't deserve this treatment. taking more than expected through auto pay as well
Product: Credit card

I am an authorized user on my ex-husband 's XXXX credit cards, XXXX with Citibank and XXXX with XXXX XXXX. He has called each of these companies and asked that they remove me as an authorized user multiple times since XXXX, each time they assured him that I would be removed. I refinanced my truck in XXXX XXXX and they told me his accounts were still showing on my credit report. My credit score was XXXX at that time. I never applied for any credit after that, but I pulled my free annual credit report in XXXX and saw that his accounts were still on my credit report. He called the companies again, and was assured that I 'd been removed. In XXXX XXXX I applied for a mortgage loan and discovered that his accounts were still on my credit report, and by then my credit score had dropped from a XXXX to a XXXX. He called the companies again, and was assured that I 'd been removed. Now I just re-applied for a mortgage loan and discovered that his cards are still on my credit report, showing me as an authorized user, and because my ex-husband has gone over the credit limit on XXXX of the cards and has a past due payment on XXXX of them, and has over 30 days delinquency on the other card, all of those factors have negatively impacted my credit score significantly. My credit score has gone down from XXXX in XXXX XXXX to now a XXXX in XXXX XXXX. I do not have any negative items on any of my accounts that I have ever had in my life, or on any of my current accounts. I have never had a late payment, over credit limit, nothing negative whatsoever, my credit was impeccable. And now, because these companies have repeatedly ignored our requests to remove me from his cards as an authorized user, my credit score has dropped significantly and now I ca n't get a home loan. I want Citibank and XXXX XXXX to remove me as an authorized user immediately and I want them to restore my credit score back to where it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3RD 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under XXXX  as defined by the XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section XXXX of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX