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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

USAA FSB is reporting a charge off on my credit report even though it was not charged off. I have been current and have not missed a payment. I have tried for years to get this fixed and it seems nobody can help nor do they know what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE XXXX  BREACH. PLEASE ASSIST ME IN CLEARING MHY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

The following accounts were opened fraudulently in my name, as reported to the FTC the bureaus and the local police department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I do not owe XXXX XXXX XXXX any money. Therefore I do not owe this IC collections company. We were NOT in a contract with XXXX for our Internet & TV we had switched to XXXX ( who is owned by XXXX anyway ) our service was terminated but XXXX kept billing us. We repeatedly tried to resolve this with XXXX. Now I find out they sold a debt I do n't even owe to a Collection agency.
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. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and 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 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 have written Experian and informed them that public record information on my credit file is being reported in error and that the public record information acct # XXXX that they have belongs to someone else who may have used my personal information. 

Initially, Experian did remove the inaccurate and erroneous information, but after checking my Experian credit report, the inaccurate and erroneous account has been entered onto my credit report again. 

I have written to the USBK Court and they did inform me that they do not send information to the credit bureaus nor do they verify information with the credit bureaus. The item in question should have never been on my credit file and it should not have been re-entered on my credit report once it was deleted.
Product: Debt collection

I am a victim of identity theft. I received a copy of my credit report and found a few fraudulent accounts that need to be addressed. The fraudulent account is LVNV FUNDING LLC, the original creditor is XXXX XXXX BANK XXXX I did not open a XXXX XXXX Bank credit account. I reported this account as fraudulent to XXXX XXXX Bank who told me to contact the current owner of the debt, LVNV Funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX and JH PORTFOLIO DEBT EQUITIES Account XXXX ARE UNVERIFIED. 

XXXX has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 
XXXX HAS NOT PROVIDED METHOD OF VERIFICATION
Product: Student loan

To whom is may concern I was scammed through this company called Alum Financial they contacted me via email and phone stated they are a 3rd party company through the department of education they were telling me information that I would be eligible for a loan forgiveness program well long story short after speaking with this company, I received several emails from my service lender Federal Student Aid stating that i have suspicious activity on my student loan account. That my FED ID and password was changed without my consent. I called them immediately what happened they stated that this said company is not associated with the Department of Education that its a 3rd party company that trying to steal my money. I have been seeing it all over the internet with these companies. So i called Alum Financial telling them that I want to cancel all services with you they demanded money upfront for there services they rendered I stated what service did you render instead of misleading information. They have been harassing me nonstop threatening me that they will ruin my credit and garnish my wages if I dont pay them. I called XXXX XXXX services I asked them again why am i paying this company the lady on the phone stated that I Pay fed loan not them my loan is through them not this company XXXX XXXX stated that these companies have been reaching out to people to file paper work to get them In these programs but you can do this for free through there website. The money I would have been paying these people will not be going to my student loans that they take my money for there such business. I have proof of every person I have spoken to from all parties case numbers emails phone calls ECT. So I asked fed loan what to do they stated to reach out to file a complaint change all my banking info that they may have to take money. Also when you look up them on XXXX  they have all terrible review how there fraud and also states the site may be hacked.
Product: Debt or credit management

XXXX with XXXX XXXX called this morning to settle my remaining debt of {$130.00} and some change. She started off with a polite tone however at this point I believe it was all a facade. She has no place in customer service, she does not know how to speak politely to people. She got extremely frustrated that I could not pay right this second on my debt, I explained to her that I can pay half of the debt tomorrow and the second half in 2 weeks. she explained to me since I had defaulted prior that I would not be eligible for payment arrangements. I told her OK. I understand that she even said well we need to get this debt settled right away, which trust me, I understand, and then proceeded to ask again what I could put down right this second so we can get this settled I told her I cant do anything right this second however I get paid later and should be able to get a payment in by the end of the day. She then ever so rudely proceeded to say well you know what Ill just let you figure this out by yourself Im terminating the call. She did not give me a chance to explain the payment that I could do today and then the payment that I could do in two weeks. I called back and spoke with someone who was much more understanding than her and let me explain my situation.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I contacted Trans Union, XXXX, and XXXX letting them know that I wished to opt out of reporting the accounts below on my credit report per 15 USC 6802b, 16 CFR 313.7a, 12 CFR 1016.7a ( 1 ) ( 2 ). As of today, no one has responded to me in writing. This was a formal NOTICE that the consumer, requires all 3 bureaus to cease the reporting of certain accounts on the Consumers report. This NOTICE directly requires all 3 bureaus to provide proof, the consumer was provided/presented and signed/authorized the required disclosures, which explains consumers right to OPT OUT, per my rights 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below.

- Date opened has two different dates
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report which I don't recognize. I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX  ( Original Creditor : XXXX SERVICED BY XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Checking or savings account

Please refer to complaint filed on XX/XX/XXXX - COMPLAINT ID XXXX, see attachments verifying my identity. 

I am scheduled for closing on a new home on XX/XX/XXXX. On XX/XX/XXXX, I setup a wire transfer from my Citi Bank savings account for a significant amount for the closing. I was called by Citi Bank to verify my transaction. One of the questions asked was what year my stepmother was born. I have not lived with her for 20 years, and my dad hasn't even been married to her for over 10 years. I had to call my dad to get the answer. Citi Bank failed me for the verification process for taking too long to answer. They refused to give me another opportunity or way to verify myself and they flagged my account for fraud. The account is now " under review '' and there is nothing whatsoever that I can do to get the funds. Citi Bank refuses to let me speak to anyone that can help, and just tells me I have to wait for them to clear it and there is nothing whatsoever I can do. I cannotbecause ( a ) there is no branch location or affiliated bank in my state of Colorado and ( b ) they say that even if I do FLY into a state where there is a branch location, that I can not get the cashier 's check because there is a hold on my account. Citi Bank is literally holding MY money hostage. This is MY MONEY and I am willing and able to do whatever to verify myself. They refuse to talk to me and help me. I need help immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Equifax for Inaccurate Reporting of Late Payments on Account XXXX Dear CFPB, I am writing to formally lodge a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXXXXXX XXXX XXXX account number XXXX. Despite multiple requests for correction, including letters dated XX/XX/year> and XX/XX/year>, my requests have been ignored, and no changes have been made to address the inaccuracies. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

FCRA Violations 15 U.S. Code 1681i : Requires that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct these inaccuracies after two formal disputes violates this mandate.

15 U.S. Code 1666b : Creditors are obligated to send periodic statements at least 21 days before the payment due date. The inaccurate reporting suggests noncompliance.

TILA Violations The Truth in Lending Act emphasizes the necessity of accurate disclosures to consumers. The inaccurate reporting of late payments has damaged my creditworthiness, causing undue harm.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act underscores the responsibility of creditors to provide timely statements to prevent unfair penalties, which has not been upheld in this case. 
Desired Resolution I formally request the following actions : Immediate removal of the late payment notation from my credit report for the account with XXXXXXXX XXXX XXXX 
Written confirmation that the correction has been made. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints filed with relevant oversight agencies. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I took out a loan for {$310000.00} from  XXXX    XXXX   in   XXXX  . It was then sold to Green Tree with loan number :  XXXX  and then to  XXXX  with loan number :  XXXX , then to  XXXX  with loan number :  XXXX  and I have still not received an updated payment history from them. It is apparently now with  XXXX   XXXX   XXXX .
Product: Credit card or prepaid card

am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. my latest credit report shows 2 inquiries that i did not authorize or been payed off. 
am writing to dispute the following inquiries and asking for their removal from my credit report. please have these unapproved inquiries removed from my credit report. please update me with a full report on your finding within 30 days. as it is harming my ability to obtain new credit. i would appreciate a copy of my credit report once this issue is resolved. 


thank you for your time. 
sincerely XXXX.
Product: Debt collection

I am XXXX XXXX submitting this complaint against Lvnv Funding LLC and there is no third party involved. Lvnv Funding LLC did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX -XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

in accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX , has violated my rights including the following : 15 U.S.C 1681 section 602A. states that i have the right to privacy 15 U.S.C 1682 section 604A section 2 states that a consumer agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to bring to your attention a series of alarming violations of federal consumer protection laws that have had a profound and distressing impact on my financial well-being and emotional stability. The violations pertain to unauthorized inquiries, incorrect personal information, and inaccurate reporting on my credit report by various creditors. I implore you to enforce the legal rights and protections afforded by the laws and regulations established to safeguard consumers like myself. 

The following violations have occurred : Unauthorized Inquiries ( FCRA - Section 604 ( a ) ( 3 ) ( B ) ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Reporting ( FCRA - Section 607 ( b ) and 623 ( a ) ( 2 ) ) : XXXX XXXX Bankruptcy, Case Number : XXXX, listed inaccurately with the bankruptcy court as the furnisher. 
These violations have not only undermined my financial stability but have also caused significant emotional distress. The stress and anxiety brought about by these violations have impacted my ability to focus on my work, affecting my professional performance and career growth. It has strained relationships with loved ones as I grapple with the weight of this situation. 

As a consumer who has diligently upheld their responsibilities, I kindly request that you enforce my legal rights by ensuring that the aforementioned creditors promptly remove the unauthorized inquiries and inaccurate information from my credit report. These unverified accounts have unjustly tarnished my creditworthiness, hindering my access to financial opportunities and peace of mind. 

I am attaching relevant documentation and evidence to support my claims. Your assistance in rectifying these violations and restoring the accuracy of my credit report is of utmost importance to me. I look forward to your prompt attention and resolution of this matter. 

Thank you for your understanding and commitment to upholding consumer rights. 

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

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.