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

XXXX, XXXX and Equifax have continued to report information on my credit report, even though information has been sent to the agency that shows that judgement and ownership of accounts have been dismissed by a court. Additionally, all three credit bureaus have found ways to deter consumers from appropriately disputing items on their website. 1. I have attempted to file a dispute on their website for accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX. 2. When utilizing the online site for each credit bureau they presumably give you access to your " free credit report '' to dispute the charges. After going through the ropes of filling out the information which primarily is listed as not having any knowledge of the account and that I would like the credit bureaus to investigate and have each of these companies to adhere to the Fair Credit Reporting Act and verify all information, including but not limited to the open date the last payment date and a signature card or paperwork that would verify me as the account holder. 3 Once I completed this process, each reporting agency then funnels you to a section of their site where you MUST attach supporting documentation. In my case there is no supporting documentation because I have never known of these accounts let alone have any reasonable documentation that would assist in their investigation. 4. If a consumer is asking for a debt to be verified with specific documentation which would prove ownership, why would the bureaus requiere documents with this request. If I have no knowledge of an account and was never notified again, why would i have something to upload. 5. Therefore, the credit bureas would not let me submit the dispute and moreover they have prevented me from accessing the site again to file the dispute with a report number ( which was never generated ), since the site recognizes that I have already pulled my report and does not allow me to dispute my issues utilizing this service. 6. Attached you will also find documentation as it relates to a judgement listed on my XXXX, XXXX and Equifax credit report from XXXX XXXX County Court on behalf of XXXX XXXX. I have confirmed through XXXX via the CFPB data base that this information should not be reported and I want this along with all negative information that can not be verified to be removed immediately. 7. Additionally, I have also included information from The XXXX XXXX County Court where the XXXX account collection has been dismissed due to lack of proof of ownership.
Product: Credit reporting or other personal consumer reports

I noticed that my credit report was used improperly according to law. As a federally protected consumer I have a right to privacy according to the Privacy Act of 1974. I reached out the credit agencies about the matter in XXXX and they disregarded my request. They stated that the information was VERIFIED, but they did not send me proof of how they Verified this information. I have a right to know according to law 15 USC 6802. I requested that the credit agencies to send me the information they used and the person they spoke with, dates to verify how they are able to add a Bankruptcy to my credit report. This public record is SERIOSLY AFFECTING my credit and I am not able to obtain credit because of it. I would like it removed IMMEDIATELY. I reached out to the Bankruptcy Court and ask them are they allowed to report a public record to the credit agencies and they stated that they do not send anything to the credit agencies. They sent me a letter and I also sent this exact same letter requesting that this be removed from my report and they refused to remove the information. I am not sure who the credit agencies got this information from. I have not consented to any 3rd party reporting my personal and private information to the credit agencies. According to 15 USC 1681 I the consumer have a right to privacy and this Public record is a violation and inaccurate reporting. Please remove this BANKRUPTCY from my credit report and send me a copy of the updated report. According to 16 CFR 313.7 I the consumer have the right to OPT- OUT of the Credit Agencies reporting this Public Record " BANKRUPTCY '' on my credit report. If the credit agencies do have correspondence with the COURTS then I am requesting they send me the information they used to verify this information directly from the courts not a 3rd party reporting agency that I did not give consent to. I am asking that this be REMOVED IMMEDIATELY from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 15 USC 1681. 



XXXX XXXX XXXX Account number XXXXXXXXXXXXXXXXX - IDENTITY THEFT XXXX XXXX  XXXX Account number XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number XXXX - IDENTITY THEFT 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, credit repair services, or other personal consumer reports

This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.
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. 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. 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. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I request that these items be reinvestigated immediately and with good cause. These inaccuracies seriously harm my credit rating. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

7. Please provide your method of validation on how you validated this account when it is reporting a balance on a COLLECTION account. 
XXXX XXXX XXXX Account Number : XXXX If unable to provide your method of validation then please DELETE immediately. 

8. Please explain how you verified this account when it has already been paid. I had an agreement with the original creditor to DELETE once paid and that has not been done. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please DELETE immediately. 

9. Please provide your method of validation on how you validated this account when it has already been SOLD and TRANSFERRED to another lender. 
XXXX Account Number : XXXX If unable to provide your method of validation then please DELETE immediately. 

10. Please provide your method of validation on how this account was validated when it is reporting a PAST DUE amount on a closed and CHARGED OFF account. 
XXXX Account Number : XXXX If unable to provide your method of validation then please DELETE immediately.
Product: Debt collection

This company calls me every day. They're normal tactic is simply to hang up after I answer the phone, but occasionally they ask me to verify very personal information : last 4 of my SS #, date of birth, and others. They refuse to identify themselves or provide any information about their company unless you verify this personal info. They have even begun calling my wife 's mobile phone number. 

I have asked them on numerous occasions to stop calling me. Usually at that point, they hang up on me, but they have in the past agreed to stop calling me. They have not stopped calling me. 

Today, ( XX/XX/2018 ) I called them back ( after they hung up on me ), and I was assured by a " XXXX '' that they would not call me again. She would not provide her last name or her date of birth or the last 4 digits of her SS # for some reason. XXXX told me the name of her company was Unifin , Inc.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, Department of Education/NelNet has violated my Right to Privacy by sharing information regarding an alleged Student Loan that XXXX XXXX owes XXXX the Credit Reporting Agencies without prior expressed written or verbal consent. This is in direct violation of Federally protect Rights, more specifically 20 USC 1232g ( b ). The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the PRIVACY of student education records. FERPA applies to ANY public or private elementary, secondary, or post-secondary school. This misrepresentation has caused extreme harm and mental anguish from the embarrassment of sharing private information with an uninterested third-party.
Product: Credit reporting or other personal consumer reports

I already have a active complaint, XXXX still does not allow me to even view my credit score, today I received a paper stating that I looked into a line of credit called thrive and I did not give them permission to do that. I cant see the inquiry but I have the paper. This is getting outrageous just last year. I had my credit fixed nice and good now all of a sudden Im getting all kinds of inquiries not one thing on my credit report that is showing delinquent is accurate none of the reports match each other and when asked to dispute the reporting agencies just say, its verified well I want to see 100 % without a doubt verification that I opened something because I did not just like I did not ask for an inquiry today. This is Atta control these companies just do what they want and people suffer The fair credit reporting act is just a joke to them well, I would like all of the negative items on all three of my credit reports disputed for inaccuracy and identity theft, because none of them are accurate. Theres a bunch of missing spots and all of them and its ruining my ability to obtain credit much less, put a roof over my familys head, in accordance with the fair credit reporting act and consumer law, if they are not able to fix all of the inaccuracy on my credit report, then I demand that they shall delete all inaccurate and delinquent accounts present on each of their respective reports thats including XXXX, Equifax, and XXXX if they are unable to do this, I am prepared to sue over and over again Until this is rectified, and if they think I am not capable or that, I wont do it, they can go ahead and test the water, but I am tired of my reports being screwed up in accurate and full of whats potentially somebody running around with my Social Security number, and lets not forget child support I would like that removed as well because they have it listed as a loan and it is in fact not a loan not that its inaccurate and way behind so once again, I ask that all late payments be corrected to pay on time or removed from my credit report any open accounts that are showing a late payment or a balance should be removed posthaste any hard inquiries that are on my credit report. As of now were not authorized and should be removed. Any collection accounts should be removed because they all bare in accuracies any delinquent closed accounts that are on these reports also have inaccuracies should be removed, there should only be a XXXX card listed on each of these accounts other than paid in full closed down old accounts I have over 274 screenshots of inaccuracies, and I am prepared to sit here and upload every single one of them if thats what it takes to get everything fixed and if thats not enough, Ill show all the inaccuracies in a court of law And then I wont need credit. This is ridiculous that these companies can get away with this and these debt collectors just post stuff without even verifying it 100 %
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active XXXX account that has been in good standing for 13 years which was previously being reported but now its not. Ive contacted the credit bureaus as well as XXXX. But my issue has never been resolved its been about 2 years.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

two XXXX XXXX XXXX accounts are reporting under my name on XXXX and equifax credit reporting agencies, these are fraud accounts ans inaccurate reporting, i have not inquired or applied to these irrelevancies, i have never given permission to anyone to open these accounts they were opened with out my knowledge, please help me to have these fraud accounts removed from two bureaus. appreciate your help towards consumers, i XXXX  and found out that you could be able to help me, since no one else could. 
please these accounts are fraudulent and need be taken care of as soon as possible thank you for your help
Product: Mortgage

I ( XXXX XXXX XXXX ) applied for a mortgage modification through my mortgage servicing company PHH Mortgage. They sent me back a modification package that said i would have a balloon payment of XXXX at the end of the modification period. I have called them and talked to several people to try to get some clarification on the balloon payment. They have told me that the XXXX is in addition to the XXXX i currently owe on my loan. I couldn't believe what i was hearing, PHH mortgage company is adding XXXX to my loan amount because i am having trouble with making payments because i was forced to retire and my income is 66 % less than it has been. This is not helping me its actually hurting me in the long run. This can not be a fair practice, A mortgage company adds almost XXXX dollars to the balance of a persons loan whose income was cut by 66 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal Equifax credit report, and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. XXXX XXXX XXXX, inquire date XX/XX/XXXX, XXXX, inquire date XX/XX/XXXX, XXXX XXXX XXXX, inquire date XX/XX/XXXX. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit card or prepaid card

Fraudulent credit cards were obtained in my name and maxed out. I disputed with the company and they just verify the account and refuse to remove it. I've asked for proof of my signature opening these accounts and nothing has been provided. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep writing innovis and they keep asking for documents. I keep sending them everything they ask for and they are reporting fraud information on my report also they are using a automated system instead of dong the validation manually. Im at my limit with this company ignoring my request.
Product: Debt collection

They claimed I owed a debt to XXXX XXXX and XXXX XXXX XXXX they explained apparently a check bounced and I owed XXXX an that if I were willing to work with them they could take XXXX off XXXX my balance would be XXXX to avoid a judgement being filed against when I stated I filed identity theft they said that wasnt true n that it wasnt on my credit that I did so then my husband called and was screaming and yelling at them that it was wrong of them to try an scam me since I deal with extreme XXXX and that he could have potentially put me in a XXXX XXXX had I not known it was fake XXXX a scam my husband even threatened to kill them XXXX is willing to get on a plane to find them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a current copy of credit report as of today. As of today, there is new unverifiable information on my credit report listed within the Public Records section of my credit report. There is now a Bankruptcy being shown that is formally being dismissed. I have disputed this alleged account on multiple occasions this has been directly with CFPB assistance and disputed this negative allegiant Public Record with XXXX, XXXX  and Equifax on so many times - - - I can NOT even count anymore! 

These credit bureaus have made it beyond impossible to fix this error on their behalf and have not yet as of this date shown any accurate verifiable and certifiable proof of alleged Public Record. 

Attached you will find written communication with review to assist with a permanent deletion.
Product: Credit reporting or other personal consumer reports

After looking my credit report I noticed some hard inquiries that are not mine
Product: Debt collection

The credit card was opened and payments were made however we had financial hardships and then the pandemic happened. there was a reduction of pay in the household as well as a death of an immediate family member. I reached out to JcPenny who originally owned the account and offered to make $ XXXX monthly payments as long as no other interest is applied at the beginning of the pandemic explaining the household situation. I asked for a written confirmation. They did not reply. My father who is also Mr XXXX but with a Different Middle Name and the true owner of the house was just served a summons in my name and recorded without his consent - the gentleman that served said he was from the county of XXXX XXXX - he thought it was contact tracing and COVID related as an immune suppressed veteran, the gentle man. The lawfirms information was incorrect. Additionally the lawfirm did not send any written communication regarding this or phone calls to me. The mother of my children was there to witness this all. This is unfair business practices and my father felt intimated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX FAILED TO INFORM THE CONSUMER OF REUQIRED DISCLOSURES PERTAINING TO OBTAINING THEIR PRODUCT AND SERVICES. THE AGENT WHO HANDLED THE FINANCIAL TRANSACTION CONCEALED MATERIAL FACTS THAT CONGRESS FINDS NEEDED TO BE DISCLOSE TO CONSUMERS ON THE BASIS OF DEALING WITH FINANCIAL INSTITUTIONS. XXXX XXXX AGENT DID NOT INFORM THE CONSUMER ON THE RIGHT TO OPT OUT OF HAVING THE CONFIDENTIALITY OF THIS CONSUMER CREDIT TRANSACTION NOT DISLCOSED TO OTHER THIRD PARTY SERVICING AGENTS. XXXX XXXX XXXX FAILED TO PROPERLY INFORM THE CONSUMER OF MANY OTHER DISCLOSURES REQUIRED BY CONGRESS THAT WOULD SHAPE THE CONSUMER EXPERIENCE WITH THEIR CORPORATION. XXXX XXXX XXXX HAS VIOLATED MANY CODE OF FEDERAL REGULATIONS WHEN IT COMES TO CONSUMER CREDIT TRANSACTIONS. XXXX XXXX CROP EXPECTS THE CONSUMER TO PAY ON A DEBT THAT IS IN COLLECTION BUT NEVER PROVIDED PROOF OF THE XXXX THEY FILED WITH THE IRS NOR ANY PROOF OF THEIR BOOKKEEPING ENTRIES SHOWING THE LOSS OF MONEY DO TO THIS TRANSACTION.
Product: Student loan

My doctor submit documents that I am XXXX Nelnet said they never received the documents the documents were sent two times they are giving me a run arouni am to sick to put up with this. Could you help me my phone number is XXXX XXXX I attached the documents that need s to be sent in. Could you make sure they are sent in I am very I'll and couldn't do it it's wrong to miss treat a person these documents go to the XXXX section. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Account # 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.
Product: Debt collection

I have never received any documentation from the company or from the collection company letting me know they were attempting to collect a debt. 

My first contact with the collection company was on XX/XX/XXXX when I seen they attempted to collect a debt from XXXXXXXX XXXX XXXX  XXXX Has never made an attempt to contact me nor has sunrise XXXX XXXX