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

I am writing to formally request the removal of inaccurate information from my credit report. Despite my previous attempts, the following items remain erroneously reported and are causing significant harm to my creditworthiness. The details of the disputed accounts are as follows : As per the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and fairness of the information in my credit report. The continued presence of these incorrect entries is a violation of my rights under the FCRA. I request that these entries be re-investigated and removed from my credit report immediately. Please help me remove these accounts : XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXX XXXX : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Debt collection

XXXX XXXX law offices has recently taken money out of my checking account and put it on hold. I can no longer use my account or receive any money and get paid from my current job. They are saying that I owe {$11000.00} in debt to a target credit card that was opened in 2007. I have no recollection of ever owning this card and owing any money on it. When I looked up my case number on the clerk of courts website, the history on this case doesnt make sense. There are certain documents where they are saying that the person that was served as a XXXX female with XXXX hair. I am a XXXX female with XXXX hair. it also said the surname was XXXX. That is not my surname.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX Bank 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 became aware that Portfolio had multiple entries on my credit report. I initiated a dispute via the CRA and received a form letter with a dollar amount and name of original creditor. I wrote back and referenced Michigan Fair Debt Collection Act Sec 918 which states that Collectors must furnish : Verification of the debt or any disputed portion of the debt shall include the number and amount of previously made payments and the name and address of the original creditor, if different from the current creditor, or a copy of the judgment against the debtor. 

As I was not notified that Porfolio assumed this alleged debt and only became aware of this claim through a review of my CR I requested the information that is to be furnished to me under Michigan Law ... specifically the number of payments and statements from the Original Creditor. In response to my request Portfolio has indicated that it feels that it has furnished the information ( form letter with amount owed ) and has stated that it will not investigate further and will not send any additional information. Portfolio further states that it will not consider any future requests and considers the matter closed. As Portfolio refuses to provide me with the information requested I am forced to file this complaint rather than trying to resolve it with them. Assistance is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I was not aware of them, and the company did them without asking me.
Product: Checking or savings account

I tried to dispute transactions that occurred in XXXX in XXXX when I looked at my statement and noticed they were there. They never filed the dispute and told me they did So on XX/XX/20 they officially put the claim in and requested I send the signed forms back for my provisional credit it up to 10 business days. I immediately did that and uploaded it Here it is XX/XX/20 and I havent heard a single thing from this bank about my dispute claim
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 four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) 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 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

A collection company " XXXX XXXX XXXX '' is reporting a debt that has exceeded the XXXX year reporting window. I've disputed the age of the debt with all the XXXX credit reporting agencies and requested the collection company report the " date of first delinquency '' to verify the age of the debt. The company merely replied that the information was accurate, without actually providing the true age of the debt. The dispute merely results in a note attached to the collection stating " Dispute resolved, customer disagrees. '' I believe this is a simple case of debt " re-aging '' and the collection agency is inaccurately reporting the debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally address multiple violations of the Fair Credit Reporting Act ( FCRA ) as found on my credit reports managed by Equifax and XXXX. These inaccuracies and unauthorized entries include : 1. **Misrepresentation of XXXX XXXX : ** - XXXX incorrect alternate names ( XXXX. ), whereas the only legitimate name as per my XXXX Driver 's License is XXXX XXXX XXXX. 

2. XXXX XXXX XXXX : ** - XXXX unmailable addresses are listed, which are erroneous. 

3. **Account Discrepancies : ** - XXXX accounts are either inaccurate, unknown, or unverified, and remain uncorrected despite my disputes. 

4. **Unauthorized Inquiries : ** - XXXX XXXX XXXX hard inquiries are reported without verification or my consent, constituting a breach of my rights. 

According to 15 USC 1681, Section 602 ( a ), consumer reporting agencies must handle their duties with fairness, impartiality, and a high regard for consumer privacy. Equifax and XXXX, as consumer reporting agencies, have failed in this respect. Moreover, 15 USC 6801 emphasizes the obligation of financial institutions to protect the privacy and confidentiality of consumer information, which has been neglected. 

Per 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports under strict circumstances, primarily with the consumers explicit written consent, which in my case, was neither sought nor given. I hereby revoke any form of consent for Equifax, XXXX, and the furnisher of information to these agencies, whether it be verbal, non-verbal, written, implied, or otherwise. 

Additionally, 15 USC 6802 ( b ) ( c ) mandates that a consumer must be informed about and must consent to any disclosure of nonpublic personal information. This right was never presented to me, hence violated. 

The reporting of outdated or inaccurate adverse information contravenes 15 U.S. Code 1681C ( a ) ( 5 ), as no consumer reporting agency should report adverse information older than XXXX years or inaccurate data. 

Furthermore, under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. Both Equifax and XXXX have continued to report inaccuracies despite clear evidence provided in my disputes. They also fail to maintain reasonable procedures to prevent these violations as required by 15 U.S. Code 1681e. 

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services immediately. 



Thank you for your immediate attention to these serious matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
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. Has Violated my rights. 

1. XXXX XXXX / Account Number # XXXX XXXX 2. XXXX XXXX / Account Number Account Number # XXXX XXXX  Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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

Hello, I would like to lodge a complaint with the illogical and ultimately unfair system run by the three major credit monitoring companies. I would like to see a permanent and free system of locking/unlocking required of these companies, and, for there to be a guaranteed level of quality control. 

The biggest two problems are with Experian and XXXX. Putting aside the massive data breach that XXXX is responsible for I find their current systems to be an undue burden on me, the citizen. I have had multiple attempts to apply for a credit card, thinking it would be a simply process as my credit history is clean and my scores are excellent but the efforts were stymied by the systems these two companies have in place. Specifically- XXXX XXXX website ( XXXX ) is unreliable and there have been occasions when I try to log in and it rejects me saying I need to contact them to proceed. This occurred two days ago. I gave it another shot today and it worked. Nothing I did was different and the website gave no notice of being serviced- it simply rejected my attempt to log in. 7 months ago I ran into a similar problem and I called their customer service. The first rep put me on hold and then hung up on me. The second rep was able to help me proceed with the freeze but only after I spent a good amount of time on hold and a great deal of energy explaining how it would be an undue burden for me to have to gather all my paperwork and mail it in to them to request my account being unfrozen being that their website guarantees this service and it is their fault the website wasn't working. With Experian I have had similar experiences except that their reps have been of no assistance and I am unable to freeze/unfreeze online despite the fact that all my information is correct and I have the original pin number I used to set up my account with them. My only option is to take my time to mail in a request to them, request my credit be unfrozen for a longer window than I am comfortable with, wait for confirmation, and then proceed with the financial transaction I originally intended to do. As Experian 's IDNotify 's free year trial service ran out for me about 6 months ago I have no better option and am not going to pay them hundred 's of dollars a year simply to have more control over my information. 

Ultimately I did not choose to have these companies monitor my credit and would prefer they did not have access to my personal information ( hello XXXX data breach! ) but being that I don't envision that changing I would request that you advocate for permanent, reliable, and free credit services for citizens like myself. Thank you for your time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX account 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I looked over my report and notice on transunion this collection account # XXXX. I need verification of ownership of this account by XXXX. By law i have not given consent to put this on my transunion report. In addition the dates on my report are incorrect. There is no data of payment history. A letter i recieved also does not match up with my report concerning account open date.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations, and other documentation used with my previous disputes XXXX removed the bankruptcy it still appears on Equifax, XXXX the court sent me a letter stating they do not report information to anyone so how are they verifying the information mailed letter to XXXX no respond. They are clearly in NONCOMPLIANCE with METRO2 reporting requisites per CRGG as well as the FCRA, and thus damaging my credit. I have been deputing this since XXXX with evidence keeps coming back verified but they won't send me proof of verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX are harass, conceal information, use abusive tactics, and communicate with me after demand to cease and desist. I have filed complaint with them before several times. I recently filed complaint with the XXXX. I will continue to file disputes, complaints and claims due to their unethical, deceptive business practices. Please address this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a call from 1st heritage asking if I wanted to take out another loan. I told the representative no if it was going to report as an hard inquiry, she said no its going to report as a soft inquiry its not going to effect your credit at all. I had been receiving calls during the previous weeks as well and I was declining the offer. So after the call was done I had an alert saying that it was a hard inquiry on my report. I contacted the company explaining that it was a hard inquiry instead of a soft likebshe inquired. I spoke with the manager XXXX because she overheard the whole conversation where the representative said it would be a soft inquiry. I have been waiting since XX/XX/XXXX the day it occurred for the issue to be fixed and it still hasnt been removed. I followed up on XX/XX/2018 to see how the process was going cause I hadnt heard from the company in weeks. I was just contacted by the company this morning XX/XX/2018 telling me to dispute it but the information I was giving was wrong. I contacted transunion I was told to get a letter of deletion from the company. I contacted the company to let them know exactly what I was told about the letter of deletion. I just want the hard inquiry removed because I was given false information from the representative and not only did she tell me wrong information the manager heard her as well. I dont understood how this process hasnt been resolved if she heard exactly what the representative told me. Please remove this hard inquiry from my report.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated this thing in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX XXXXXXXX
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 XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

I sent corresondence to Midland Credit Management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/2024 requesting that they remove these fraudulent accounts from my report due to identity theft. They have failed to respond or remove the accounts from my report.
Product: Credit reporting or other personal consumer reports

Contacted XXXX XXXX and Associates on XX/XX/23 ( on a recorded call ) and advised them never received anything about this debt in which I DO NOT owe. I asked if I could be provided the same letter dated showing proof they sent it to me. They refused to provided that. I also asked for more information in regards to the debt about the store and they could not provide me with that and I need that information to file a report. This company has been illegally trying to collect a debt from me and refused to investigate my claims. Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1b 2. Company has also No permission to report ANYTHING using my info pursuant to 15usc 1681.
Product: Debt collection

Debt was owed to collection company for various court fines for traffic violations. The debt was paid in full through cashiers checks issued from bank all on same day. Collection agency is claiming balance owed for collection fees that were posted to the account the day all balances were paid. Never received a bill for collection fees before paying all balances in full. Still have n't received a bill for the collection fees after paying balances in full. This issue is now hindering my ability to obtain a valid drivers license.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX United States XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). As the consumer, I hereby refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter, including any attempts to report this debt to any credit reporting agency.

Pursuant to 15 U.S.C. 1692c ( c ), you are legally required to cease all collection activities and any further contact with me regarding this alleged debt, except for the purposes of confirming the termination of collection efforts or notifying me of any specific legal actions you intend to take. 

Please also be advised that I am keeping detailed records of all correspondence regarding this matter. Any failure to comply with the requirements outlined under the FDCPA may result in legal action against your company for violating my rights. 

Thank you for your prompt attention to this matter. 

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

I received an email from LendingPoint LLC, as shown below. I never applied for this company and I feel this is fraud and I want to report. 

Please let me know if you need any more information. 

XXXX XXXX XXXX " Credit Score Disclosure Exception for loans not secured by residential real property LendingPoint LLC Your Credit Score and the Price You Pay for Credit YOUR CREDIT SCORE Your Credit Score XXXX '' Source : Experian Date :
Product: Debt collection

I received notification from my automated credit report monitoring platforms. The original creditor is XXXX, my account was sent to a debt collection agency XXXX  to me because I never received a debt validation letter. The amount of {$1900.00} is completely inaccurate but aside from this I was not allow due process to dispute this account or amount. It is in violation of Federal Laws and would like this information removed and me being allowed due process.. These companies should not be allowed to ruin someones credit because they can..
Product: Credit reporting or other personal consumer reports

I am writing to request verification of the debt listed under my name. If you are able to verify this debt, please provide the necessary documentation. However, if you are unable to do so, I kindly ask that you remove it from my credit report immediately, as inaccurate or unverified debts should not be reported. Please confirm your actions in writing. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I am reporting a violation on the F.T.C. Fair debt collection Act.FMA Alliance ltd, file # XXXX is billing me for a account balance of {$760.00} that ; s already paid to XXXX XXXX XXXX account number XXXX, also paid to XXXX XXXX/XXXX account ending in XXXX three in a federal code B with the Internal Revenue Service since XXXX XXXX XXXX is reporting to all 4 credit bureau 's XXXX balances.fma alliance , ltdXXXX XXXX XXXX is billing me to get money that's not owed, no legal debt.this company got their 1099-c by certified mail.XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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