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

I am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of a credit report because I was wanting to purchase my first home. Upon checking my credit report I saw several unusual accounts and addresses that were not mine. I contacted the companies and also the credit bureaus with no success. I am listing the fradulent accounts as well as dates and addresses that arent not mine below. 

Company : XXXX XXXX Account # XXXX Dates:XXXX Amount : {$30000.00} Company : US DEPT ED Dates:XXXX XXXX : {$990.00} Company : US DEPT ED DatesXXXX Amount : {$1000.00} Company : US DEPT ED Dates:XXXX Amount : {$1300.00} Company : USDOE/XXXX Dates:XXXX Amount : {$3200.00} Company : XXXX  XXXX  Dates:09/30/2008 Amount : {$3500.00} Company:06 XXXX XXXX XXXX Dates:XX/XX/XXXX Amount : {$210.00} Company:6 XXXX XXXX XXXX COMPANY Dates:XXXX Amount : {$56.00} Company : US DEPT ED Dates:XXXX Amount : {$1100.00} Company : USDOE/XXXX  DatesXXXX Amount : {$3400.00} Company : US DEPT ED Dates:XXXX Amount : {$3100.00} Company : US DEPT ED Dates:XXXX Amount : {$1800.00} I am also disputing the credit inquiries that are credit report. I am listing the accounts dates. 

Company : XXXX Date of Inquiry:XXXX Company : XXXX Date of Inquiry:XXXX Company : US SM BUS ADMIN ODA Date of Inquiry:XXXX Company : XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX  Date of Inquiry:XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$830.00} Inquiries : XXXX. XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by XXXX requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX  XXXX Account number XXXX. 
XXXXXXXX XXXX XXXX  - Account number XXXX. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX complaint against XXXX XXXX XXXX on XXXX/XXXX/XXXX for inconsistent credit reporting for a repossession in XXXX XXXX ; after numerous disputes with the creditor ( XXXX XXXX XXXX. I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the XXXX XXXX XXXX/XXXX/XXXX XXXX, this company has been reporting this account closed XXXX month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5 days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the XXXX complaint below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital One credit card that I have never been late on paying. Apparently, I had a charge from XXXX and wasn't sent a statement via email or mail, and never received a phone call. On XX/XX/2019 I found out I had a balance on this account through XXXX XXXX. After I saw this, I immediately went online and paid off the balance in an attempt to make my account current. However, I was notified by a representative of Capital One that their system sent out a report to XXXX   and XXXX that I was 30 days late, which has impacted my credit score.

I did contact XXXX and XXXX that same day to open an investigation to have the 30 day late notice removed from my credit report. Unfortunately, nothing was revised because I received a lengthy letter on XX/XX/2019 from XXXX showing that the 30 day delinquency is still on my credit report. 


Before this incident, I had a 100 % record of paying all of my creditors on time. Needless to say, this situation has lowered my credit score through no fault of mine.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents.
Product: Credit reporting 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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company is reporting that Im late, I dont owe this company and they havent provided me any documentation to prove that this debt belongs to me. I have disputed this with the credit bureaus which this company havent provided any original signed contract or proof to them either I would like to have this account removed from my credit report ( s ) immediately. I have attached the credit XXXX letter that I sent to this company and as well the credit bureaus.
Product: Debt collection

Landlord will not return security deposit to former tenant and instead Landlord is wrongfully billing former tenant for alleged cleaning, maintenance, and other unreasonable expenses. Former tenant has disputed the charges. Landlord sent the wrongufl bill to debt collector. Debt collector contacted former tenant regarding the debt. Forrmer tenant 's counsel contacted the collector demanding itemized list, verification of debt, etc. No response from debt collector or landlord.
Product: Credit card or prepaid card

I am living in XXXX, TX XXXX. I didn't travel in XXXX, TX and didn't shop at XXXX store in XXXX. Someone used my HomeDepot Credit Card to purchase total {$4900.00} at HomeDepot XXXX, TX on XXXX. HomeDepot sent me a bill to pay that amount with a due date on XXXX. I haven't been using this HomeDepot Credit Card long time and the card is still with me in XXXX, TX and I wasn't at XXXX on that date. I reported and claimed for fraud investigation. After HomeDepot did the investigation, they still sent me the letter in XX/XX/XXXX and said " We've conducted our investigation using the information the you provided about this dispute. With the information we had, it wasn't enough to support your claim and resolve thi dispute in your favor. As a result, we have re-billed the desputed charges to your account and consider our investigation complete. '' HomeDepot still want me to responsible to pay the bill {$4900.00} purchased by someone in XXXX even though I live in XXXX, TX. HomeDepot didn't alert me that my credit card was used outside of my address that I applied on my card and with very large amount of money. I also filed the police report. Since it appeared the offense was outside of the jurisdiction of the XXXX Police Department and was forward to the XXXX, TX Police Department on XX/XX/2021 and sent me this site to contact to place a fraud alert and monitor my credit history.
Product: Debt collection

Have repeatedly attempted to contact this company about debt that is not mine. Just to start I never have done any business with. Aargon agency and they have never sent verified letter of debt validation within 5 days of this supposed debt if mine being sold. XXXX Notice for validation of debts Please provide proof of debt validation that was sent certified mail when you guys assumed this supposed debt if mine. Thank you
Product: Credit reporting or other personal consumer reports

I'm reaching out to provide a follow up on my previous complaint about the situation in which I became a victim of identity theft. Once again, I'd like to mention FCRA Section 605B, as stated in 15 U.S.C. 1681c-1, which requires Credit Reporting Agencies to remove and block the inclusion of any items listed in an identity theft report. Please take a look at the attached documents to help with the process of blocking and removing the inquiries that have been showing up on my report. Below, you'll find a list of the unauthorized inquiries that have been recorded in my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received unsolicited marketing emails from a scam company after opting out of publicizing our credit report and mortgage applications from the following company : XXXX XXXX XXXX The company 's principal address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB - Please review this for all consumers who are disputing collection accounts on credit reports as this issue is systematic - and against FCRA Simon 's Agency, is reporting data on my report that is wholly inaccurate, and then failed to identify this alleged debt as a medical collection and as mandated by FCRA. 

This is my dispute. 

Where these accounts exists - at a CRA XXXX, XXXX and XXXX the following, is occurring : 1. Simons Agency, a Debt Collector, is knowingly sending data to CRA 's, as if they are a Credit Grantor and with data attributes that Metro2, specifies should not be sent when a DC 2. Metro2 File Standards ( industry norm for accepting data at the CRA ) is followed, DC 's are required to send data in their file to a CRA : - Header ( Who is reporting, including ID or the data furnisher ) - Trailer ( File counts of records sent/activity ) - Base Segment - Consumer detail, tradeline info - Some attributes are not expected to be sent ( values are not defaulted ) to a CRA - K1 Segment ( Original Creditor/ Creditor Classification Code or Client Name/Client Type ) Many fields, are not expected to be sent - see attachment of Metro2 DC do not send Simons is sending them.

The Metro2 file - does not default There are no terms, no contract with or pay history expected of and from you. No contract exists with a debt collector. 

The Original Creditor - should not, and is not expected to be in a comment ( free form text field ) I have never - added a dispute on this account, and I am not impacted by a natural disaster This tradeline - collection account, fails to even show up in the raw data reports directly from the CRA - because, mimicking in data, a CG account. 

Its inaccurate, incomplete and defaming. 

This account does not have any FLAG for Medical collections - you list a specific hospital. 

This account acts like i owe you and as if your are a lender. monthly, and we have no such terms. 

This also serves as a DO NOT CONTACT request, and as per FCRA
Product: Debt collection

I divorced my husband XX/XX/XXXX. According to our XX/XX/XXXX divorce decree each party was held liable for property in said possession. I moved to Texas from AZ. The vehicle was in my husbands possession in Arizona. He did not pay the loan on the vehicle. In XXXX of XXXX, he allowed Regional Acceptance  to repo the vehicle. That repo hit my credit, as I was the primary and my ex husband the co signer. I reached out to Regional Acceptance and all XXXX credit bureaus for removal according to a legal document stating ownership.I notified Regional Acceptance that he was not going to pay them, that I lived in Texas, that I was not in possession of the vehicle. I personally hired a repo man to repo the vehicle for me, but was unsuccessful.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor Milestone Creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose. Please remove.
Product: Credit reporting or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 9. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 10. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 11. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 12. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 13. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 14. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 15. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to correct 5 mistakes on my credit report. Over 45 days have past, and I have not yet received a response from XXXX  or Trans Union. They were supposed to respond within 30 days.
Product: Checking or savings account

I opened an account with M & T bank on the XXXX of XXXX. I was told my account would be new but if I were told that it would take six days to deposit a check for 30 days I would have walked out. 

Whenever I called the bank I'd get conflicting information. I deposited another check last Thursday ( XXXX of XXXX ) from my employer and I have to wait till Saturday ( XXXX of XXXX ) to access my money. I spoke with the branch manager and told them I'd be closing my account and asked for a wavier of the {$50.00} closing fee and she said come in Monday. 

This bank has been holding my money hostage with these holds and I find it extremely inappropriate that I must wait till Saturday to get my money in to close my account with this Bank that has caused me so many delays in my life. Like I said if I was told moments like this will occur for 30 days I would have walked out of the bank and not opened an account there.
Product: Credit reporting or other personal consumer reports

to whom it may concern at the corporations known as XXXX XXXX XXXX and LVNV Funding it has come to my attention that my consumer report has reports that i have an account with your agencies and that the alleged debt was closed or charged off please send me the 1099C that I did not receive that your agencies filed.

on my credit report is shows that you filed Under the FCRA I can seek statutory damages if a creditor furnishes inaccurate information about a " debt '' such as incorrectly reporting a charge off while still claiming I owe the debt.

I lawfully demand that you cease and desist from reporting on my consumer report from this day forward XX/XX/year>
Product: Credit reporting or other personal consumer reports

FORMAL COMPLAINT AGAINST EXPERIAN for Violation of USC 1681 Fair Credit Reporting Act 1- Violation of 15 USC 1681 Fair Credit Reporting Act I have never given a Written Consent to obtain and furnish my Information, 2- Violation of 15 USC 1681 outlines provisions related to the accuracy of consumer information in credit reports and Failure to investigate.

3- Failure to issue IRS Form 1099-C.

( A ) INACCURATE PERSONAL INFORMATION ( B ) INACCURATE ADRESSES ( Mailable Addresses ) ( C ) - FAILURE TO INVESTIGATE Charged-Off Debt and Failure to Issue IRS Form 1099-C.

- Invarified Collection Accounts.

( D ) Unauthorized Hard Inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows a previous address of XXXX XXXX XXXX XXXX Ga. I have never in my entire life lived at this address. My current address is XXXX XXXX XXXX XXXX. Transunion and XXXX are unable to get this correct. I have sent proof of my address as well. Along with this they are not allowing me to dispute my credit reports as Im allowed under federal law. I am a retired XXXX XXXX. If you can help me with this I would be grateful. 

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

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, Equifax or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my consumer reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.
Product: Credit card or prepaid card

On XX/XX/19 A charge by XXXX XXXX for {$26.00}, Have advised the TD Card services, spoke with XXXX, she said it was a small charge and will issue a dispute, give a temporary credit. 

I offered her an email that was sent to XXXX XXXX disputing and informing the charge was invalid and unauthorized, she then said that the credit be permanent. 

Well nothing happened. Nothing was done by TD card services.