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

On XX/XX/year>, I reached out to all 3 credit bureau to notify them that i noticed some addresses on my credit report that did not belong to me. I was able to get one address removed from my credit report, but was unable to do so because of the multiple addresses and accounts thats in collections reporting to those accounts that did not belong to me. 

Im unable to finance for loans to do XXXX to XXXX XXXX because I have inaccurate & discrepancy on my credit report with all 3 credit bureaus. 

I reached out to all collections agencies that were reporting the inaccurate information to my credit report and requested to get all debt that was linked to the address that didnt belong to me removed and both the collections agencies & credit bureau refused to move those accounts or fix the information reporting on my credit report. 

I XXXX XXXX didn't give written permission to have those accounts furnished on my credit report. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.
Product: Consumer Loan

Please note that I have already contacted CFPB with respect to a complain. I have a case number assigned, which is : XXXX. 

I was instructed to file a compliant online. Thus, please note the following : I am writing to file a complaint against Avant Credit because of their predatory lending practices. Please see the attached correspondence written to the creditor requesting clarification. Please note that the original loan was taken out XXXX 2014 in the amount of {$4000.00}. Since that time, I have paid to the credit the amount of {$2700.00}. Please note that this loan still carries a balance of almost {$3900.00}. Their lending was deceptive and the interest and fees are simply legalized loan sharking and preys on individuals that need to seek out alternative lending options. 

In addition, Avant Credit has listed on my credit report that I am in collections, which is not true. I have asked them to remove their collection account and they have not yet complied. Furthermore, I want this listing removed. 

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts was properly investigated but how is that possible if the open dates is inaccurate, the dates last active is inaccurate, and date last reported is not accurate. This ground for removal they aslo violated my rights under 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 withou my written instructions. 

Accounts listed below XXXX 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: Mortgage

I am attempting to avoid a foreclosure sale. I have applied for mortgage assistance. I have received no written decision. If I was declined, I was not provided my 30 day right to appeal. If I was approved, I have not received my written approval.
Product: Checking or savings account

They locked me out of my account and I can not access my stocks on robinhood account. Ive provided requested info. They have not responded other than initial generic message. Its been over 2 weeks and I need to regain access to sell my stocks ASAP.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attn : Customer Relations Department Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Re : XXXX. There is some inaccurate information reporting. 
XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT. 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. There is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. There is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


I was also wondering if you were familiar with something called XXXX XXXX. Sec. 
XXXX ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification.

Thank You, Sincerely,
Product: Credit reporting or other personal consumer reports

This information is totally wrong and is damaging my report and does not belong to me. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed a XXXX Tax Liens out of XXXX XXXX, Arkansas ( which I havenever lived ) with XXXX and Equifax. Well, XXXX investigatedand resolved the issue but Equifax did not. They say it " IS '' me and ifI am not, I should contact them. 
This is affecting my life and I need it resolved. 
Thank you!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : Credit Human, Account Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

I received repeated calls ( weekly ) from these types of number ( XXXX ) claiming to be representatives from Hunter Warfield. The man told me I owed about {$17000.00} to a leasing company that owns XXXX XXXXXXXX XXXX I told him I never lived there. He provided the address ( a place in XXXX ) I said I do not recognize it. He asked for my date of birth and last 4 digits of SSN to verify it was me. He said the DOB did not match but the SSN was the same. He said he would file a claim for fraud. Then ended the call. I was still skeptical so I checked my credit report and theres no such charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to credit bureaus since : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX about some accounts that I do not recognize in my credit and they do not answer me and the accounts are still on credit. 
XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX
Product: Credit reporting

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Product: Debt collection

Formal Notice of Violations and Request for Remediation Dear SYNCBXXXX I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner of how SYNCBXXXX has handled my credit information. 
It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191. 
Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19.

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 
Moreover, I insist on SYNCB/HARBOR provide a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 
This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 
I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 33 credit inquiries on my credit report from you. Section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, none of which apply to this situation. Remove immediately. There are several dates of inquiries on my credit reports, Instruct the credit bureaus to remove these inquiries immediately! 

XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX the XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX  XXXX Trans Union XX/XX/XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for  other possible violations of the law.
Product: Debt collection

Ive received several called over the last few months from this company. They never revealed their name, address or number. I never received any correspondence via US postal service. After asking them to stop calling my ex husband they called him again. After telling them they were supposed to give me written notice of this debt, I was sent an email that went into my junk mail that I just found. Therefore I just found out the name of the company. Ive tried on several occasions to contact at the numbers left, left voicemails with different names yet no company name on the voicemail. No return call. Today I received another voicemail stating they were coming to my job. I called back, got another voicemail no call back. They have never stated the company nor what the debt is for. Nor have they stated I have the right to dispute it. I have also not received anything in writing to show I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I possibly had our personal information leaked as part of the Equifax data breach this XXXX. We are taking legal steps to protect our information and finances. This is a notice that we are taking immediate and all available action. We have alerted XXXX for an initial fraud alert. We will be monitoring our accounts. We may enlist in a third party identity protection agency, not connected to Equifax, for further protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 companies reporting XXXX XXXX XXXX collections on my credit report for the amount XXXX. One company is from Receivables performance the other is from credence resource management. Im not familiar with any of these companies. I dont owe them anything and now it looks fraudulent. I havent had a service with XXXX XXXX XXXX since 2017. The dates and amounts are inaccurate and the companies are unrecognizable, and Ive never did business with them
Product: Payday loan, title loan, or personal loan

Appears to be a tribal loan which are not acceptable in PA
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have filed several complaints to this company and they insist on charging the wrong amount. It 's a healthcare debt for which my insurance has guaranteed I do not owe as much as the debt collection agency says I owe. The debt collection agency says the health insurance does n't cover it, which does n't make sense because the health insurance says that I do. I am unsure what road I should take now
Product: Vehicle loan or lease

I Received my credit report showing a inquiry from CARVANA from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score.I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.