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

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.I 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. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. I want the following inaccurate items to be disputed and removed.
Product: Debt collection

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under Wakefield & Associates. I requested a validation on XX/XX/2019 as these were accounts that I did not recognize but should have been covered in full by insurance/Medicaid. I reviewed my credit report again on XX/XX/2019 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid and in fact received a notice that the accounts would be removed. I do not believe the accounts belong to me as it should have been paid by insurance/Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct and that the charge is not covered in full by insurance/Medicaid.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX never sent any documentation over to XXXX XXXX  about my student loan tpd to XXXX XXXX as stated by them and XXXX says it sounds like when I first started my tpd it was a different process but either way I sent over my XXXX form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. XXXX told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX XXXX  score dropped XXXX points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to XXXX also the loan department of XXXX has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also reliant a new company only contacted me XXXX times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.
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, caused defamation of my character and emotional and physical stress : XXXX XXXX XXXX - XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unknown - XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Product: Debt collection

After several back and forth with chase about XXXX debts that was being reported on my credit report is inaccurate I closed the accounts and chase said I received new cards. I have asked for the dates and address where chase sent the replacement cards. the dates and addresses are not right that they have gotten from the public records and I have never received anything from them at my address where I live ... I did receive a letter from in response from a different person again saying they are willing to remove these accounts from my credit ( I have attached the letter ) I responded with a letter telling them they did not need my permission to do that but I gave them permission to remove those accounts anyway, and I have not heard from them nor have the those accounts been removed. I believe under the fair debt collection practice act and or fair credit reporting act they should be able to give me all the information to do with these account and if they do n't have the information they need to remove the accounts from my credit.
Product: Credit reporting or other personal consumer reports

I requested my Lexis nexis report three times last year and never received it. Lexis nexis has reported misinformed From a previous car accident where someone hit me progressive reported to Lexis nexis That both drivers were at fault in an accident where someone hit me. It has caused my insurance to triple in the last two years Ive requested a copy and I never received it and I requested a copy three times last year.
Product: Student loan

When I enrolled at XXXX in 2006 I ended up dropping and transferred to XXXX before graduating. I never received the difference in my financial aide that XXXX received. I tried to ask for loan forgiveness due to this and Navient denied it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy. 15 USC 1681 604 ( a ) section 2 also states a consumer agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

I did not apply for a credit card with This company. My information was in a data breach which cause my information to be leaked.
Product: Student loan

I entered into a Student Loan Rehab agreement on XX/XX/XXXX. Without my knowledge, XXXX XXXX XXXX sent my file out for wage garnishment. I was informed by XXXX  that I had to make 5 monthly payments to have the garnishment stopped. I made 5 monthly payments, the most recent on XX/XX/XXXX. I also called and spoke to supervisors and representatives about when the garnishment would stop per the contract. I was informed that would obtain approval in 7-10 days from XXXX the servicer. I called two times on XX/XX/XXXX and an additional 4 times since XX/XX/XXXX. I was told by XXXX I had made the 5 payments and met all their criteria but they could not and would not stop the garnishment. I informed them this was causing a severe financial crisis but they still refused to take any further action.
Product: Credit reporting or other personal consumer reports

The information on this accounts is incorrect and is negatively affecting my credit, so I ask you to please help me remove by deleting it from my credit history.Please XXXX XXXX XXXXXXXX
Product: Debt collection

Never notified about this account not mine fraud. Mailed letter disputing account 30 days ago and no response.They have place it on my credit report and need this removed it fraud.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Dispute of Erroneous Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information reported by XXXX, XXXX, and Equifax regarding the account XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. 

Upon reviewing my credit reports, I have identified the following inaccuracies : Inconsistent " High Balance '' : XXXX reports {$620.00}, XXXX reports {$0.00}, and Equifax reports {$320.00}. 

This discrepancy violates 623 ( a ) ( 1 ) ( A ) of the FCRA, requiring data furnishers to report consistent and accurate information. 

Conflicting " Date of Last Activity '' ( XXXX ) : XXXX lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and Equifax lists XX/XX/XXXX. 

These inconsistencies violate 611 ( a ) ( 1 ) ( A ). 

Missing " Closed Date '' Information : XXXX lists the account as closed on XX/XX/XXXX, but XXXX and Equifax fail to report this status. 

Omission of this critical data violates 609 ( a ) ( 1 ). 

Erroneous XXXX XXXX XXXX : XXXX 's timeline conflicts internally by reporting " OK '' statuses while simultaneously reporting XXXX, XXXX, and XXXX lates. 

Equifax 's late payment history conflicts with XXXX 's reporting, creating additional inaccuracies. 

These errors violate 611 ( a ) ( 1 ) ( A ). 

Inconsistent Credit Limit Reporting : XXXX and XXXX list a credit limit of {$600.00}, but Equifax lists {$0.00}. 

This discrepancy violates 609 ( a ) ( 1 ). 

These inaccuracies not only violate the FCRA but also significantly harm my creditworthiness. I respectfully request that this account be deleted entirely from all three credit bureau reports as the data is unverifiable, inconsistent, and inaccurate. 

[ XXXX XXXX ] XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} WHILE TRYING TO PURCHASE MY FIRST HOME I REALIZED I HAD DAMAGES ON MY CREDIT REPORT. ACCORDING TO THE 15 U.S.C. 1681 LAW, THERE SHOULD NOT BE ANY DAMAGES ON MY CREDIT REPORT. IT IS A DEFAMATION OF CHARACTER.
Product: Debt collection

I have contacted both XXXX XXXX XXXX XXXX and Transworld Systems Inc to rmeove the account from my credit report as it is a fraudulent account. I have submitted police reports, proof of my identity, and FTC report as requested, and this issue has not been fixed since last year. I have contacted them since last year, and yesterday as a follow up, Transworld systems stated " the account is pending account status from XXXX to close off the account to be able to be removed from credit report ''. When I call XXXX, they state " the account is under dispute status and it has been there since last year, send an email to XXXX and XXXX ''. I have done this already and no response has been received, since last year. 


ACCT with Transworld Systems # XXXX XXXX  ACCT # XXXX Company : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

FTC Identity Theft.gov reference number XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and I was shocked to have learned that I have been a victim of identity theft. I have recovered several accounts that were opened by me. I need this to be rectified immediately, this is affecting my financial creditability, I'm unbale to promote at my job and I'm constantly being denied credit! I'm XXXX  and at my lowest .... I don't know how much more I can take! Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed that our credit had been negatively impacted by 160 points. I contacted On Q Financial ( mortgagee ) and they have told me that this was processed by XXXX ( On Q 's loan Servicer ) as a result of a late mortgage payment in XXXX of 2021 for our property located in XXXX, Colorado. Prior to the XXXX mortgage statement being generated, I had been attempting for 5 months to have the billing address changed on this loan. I used the " change of address '' form located on the back side of each mortgage statement but it was never processed by XXXX. At one point, a XXXX from XXXX told me over the phone that the change of address form didn't actually work since the form had the incorrect PO box associated with it. This manager admitted in a recorded conversation that the department who received the change of address form on the backside of each statement couldn't actually complete the change of address which is why it had not been processed! In order to get the address corrected, I had to have On Q Financial contact XXXX  and demand that they update my address. On XX/XX/2021 the address was corrected and the XXXX mortgage statement was regenerated and sent to the newly corrected billing address. I received the statement at the beginning of XXXX and I sent payment via USPS on XX/XX/2021 with a check date of XX/XX/2021. Due to delayed mail service during COVID-19, the check was received and cashed by XXXX on XX/XX/2021. Please note that USPS was extremely delayed during this time frame due to XXXX. Since XXXX has the incorrect billing address and was late to send me the XXXX mortgage statement the due date for this statement should have been 30 days from receipt. Given the timeline outlined in the above paragraph, this would have made the due date XX/XX/2021. Additionally, XXXX has a 15 day grace period which would have given me until end of day XX/XX/2021. Again, I sent my check on XX/XX/2021 with a check date of XX/XX/2021 and it was cashed by XXXX on XX/XX/2021. Due to the incorrect billing address on record, which was no fault of mine, as well as delayed mail service during XXXX, I do not believe that a negative credit impact of XXXX points is warranted in this situation. I understand that a mortgage is considered late XXXX day after the due date. Therefore, I'm fine if XXXX wants to charge me a late fee since technically my payment wasn't received by XXXX until after the XX/XX/XXXX due date. However, a negative credit impact is not warranted. My wife and I have worked tirelessly to establish excellent credit and it has been negated in one fell swoop by this event. I am requesting that this be reversed by XXXX. Thank you for your consideration. Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

Transunion removed XXXX district court Case or id # XXXX from my credit report in XXXX 2015 however put it back on my credit report XXXX 2015. The public record information was not confirmed to belong to me but Transunion chose to put it back on my credit report because the creditor asked them too. This is unfair and violates FCRA. Fraudulent information should not be placed on my credit report. Also XXXX removed the same public record but placed back on my credit report without verifying the information belongs to me.
Product: Money transfer, virtual currency, or money service

Description of events : I came to agreement with XXXX XXXX about selling my computer to him for {$880.00}. He went ahead and told me to request money through PayPal. Which I did. Not after i get a email from PayPal saying funds will be on hold until I send a verification of shipment. Which I went ahead and shipped out computer and placed insurance on shipment for {$1200.00}. Then received an email saying funds will be placed into my account on Friday  XX/XX/XXXX same day of computer delivery. Friday  comes around and I get another email saying that I needed to send {$400.00} to the buyer since he sent an extra {$400.00} in order to get a increase in limit so I was to send those {$400.00} to refund back what he sent on top of the {$880.00}. The {$400.00} I sent were to XXXX XXXX which the main buyer XXXX claims it was his step son. 

In total I lost {$1200.00} in value goods.