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

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURATE INFORMATION REPORTING IN MY CONSUMER REPORT. 

REPORTING IN EQUIFAX : XXXX. The following personal information is incorrect Known As : XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Employees : XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 


REPORTING IN XXXX : XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Employees : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

REPORTING XXXX  XXXX : XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXXXXXX MN XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed there were student loans on my report that I did not authorize. I have never applied for a student loan before, and I have a total of {$33000.00} in loans from a company by the name of XXXX XXXX. I reached out to Experian, XXXX, and XXXX via phone and certified letter on XX/XX/21 and XX/XX/21 to dispute this inaccurate information. I also reached out to the XXXX XXXX on XX/XX/21 and XX/XX/21 asking them to provide me with some form of debt validation. Today is XX/XX/21 and I have still heard no response from this company. All 3 of the bureaus claim to have verified that I took out these loans, but this can not be true. I specifically asked each of the three bureaus to provide me with debt validation from the alleged creditor, and each company completely ignored my request and sent me a generic-like response to my dispute. It has been well over 30 days since Ive exercised my consumer right to ask for debt validation from this loan company, and the fact that they havent responded is unacceptable. Ive already called all three bureaus with this information, and they are still refusing to remove this information from my credit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was in the home buying process and noticed inaccuracies on my credit report. A year ago I started challenging these inaccuracies. I am very concerned because all three credit reports are showing discrepancies. I have mad several attempts to request information from the 3 credit bureaus and heavenly received stall letters from each bureau. I recently sent notarized disputes to XXXX, Experian, and XXXX to prove I am who I say I am and the inaccuracies are still reporting.I am a very concerned consumer and want only true information about me reporting. 
15 U.S.C 1681G LAW VIOLATION Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer :
Product: Mortgage

I had file an application for a first-time home buyer with Wells Fargo bank online. I had spoke with a lender and he said that a local branch would be able to help me more because of the down payment assistance and more options. So I contacted XXXX XXXX by email and told her what the other lender told me and if she could look into my application. On Tuesday, XX/XX/2019, she responded and said Sure, and asked for my phone number. I replied with my phone number, and then she called me. She asked me how she could help. I told her that I filled out an application and what the lender said. She said she would be able to help me. So then she asked me how much did I have saved. I told her that I have {$500.00} saved right now. Her tone had changed and then she was rude and condescending. She told me to ask my mother, or my brother or someone in my family to help with {$7000.00} or {$8000.00}. She said for me to call her when I had {$7000.00} or {$8000.00} and then call her back. She didn't discuss with the information on the application I had. She didn't ask me how much was the house I was interested in. I am XXXX, so my only income was Social Security and XXXX XXXX voucher. I think she felt I didn't have enough money, I felt discriminated.
Product: Credit reporting or other personal consumer reports

After discovering negative information on my credit report I suspected identity theft, -Accounts below- and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were result of identity theft. despite my efforts, Experian, Equifax and Transunion denied my case asserting that the information had been verified and leaving the fraudulent entries on my credit report. 
1. Account Name : XXXX XXXX XXXX Account Number:XXXX  Reported Balance : {$760.00} 2.Account Name : XXXX XXXX XXXX Account Number:XXXX  Reported Balance : {$1600.00} 3.Account Name : XXXX XXXX XXXX Account Number:XXXX  Reported Balance : {$3800.00} 4.Account Name : XXXX XXXX XXXX Account number:XXXX  5.Account Name : XXXX  XXXX Account Number:XXXX  Reported Balance : {$6400.00} 6.Account Name : XXXX Account number:XXXX  Reported Balance : {$14000.00} 7.Account name : XXXX XXXX  XXXX Account Number : XXXX Reported balance : {$21000.00} 8.Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$73000.00} 9.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$51000.00} 10.Account Name : XXXX Account Number : XXXX Reported Balance : {$2400.00} 11.Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Balance : {$3100.00} Addresses Incorrect : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv INQURIES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 54 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Debt collection

[ Your Full Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, Zip Code ] Subject : Request for Debt Validation Account Number : [ Debt Account Number, if available ] Dear [ Debt Collectors Name ], I am writing regarding a notice I received about a debt you claim I owe. Under the Fair Debt Collection Practices Act, I am requesting that you provide validation of the debt, including the details necessary to substantiate the amount, origin, and ownership of the debt.

Please provide the following information : The name and address of the original creditor.

A detailed statement of the amount owed, including interest, fees, and any other charges.

Proof that I am responsible for this debt, such as a signed contract or other documentation.

The date of the last payment made on this account.

Documentation showing that you are legally authorized to collect on this debt in my state.

Until you provide the requested information, I ask that you cease all collection activities related to this account. Furthermore, please note that any attempt to report this debt to credit reporting agencies before validating it would be in violation of the Fair Debt Collection Practices Act.

Please send all requested information to the address above.

Thank you for your attention to this matter.

Sincerely, [ Your Signature ] ( if sending a hard copy ) [ Your Printed Name ]
Product: Mortgage

I have been repeatedly unable to login to their system because their two factor auth codes are not being sent, despite multiple attempts over a period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth attempt to notify the Credit Bureaus that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Please remove the following accounts completely from my Credit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} CHILDSUPPORT XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit card

CitiCards ( MasterCard ) has failed to respond to -- or even to acknowledge -- my XXXX XXXX, 2016 letter, concerning my being charged {$300.00} TWICE for a single XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my triple credit report on XXXX I don't understand why these 3 bureaus have totally different information, inaccurate, Inconsistent information if the information came from one creditor.

It has several FCRA Violations From XXXX XXXX & XXXX : It's inaccurate and inconsistent, it's not reported the same as required by law.

1. Date of Last Activity inconsistent/Inaccurate : XXXX XXXX Experian XXXX  & XXXX XXXX  2. Payment History : Inconsistent & Inaccurate CO has been reported XXXX times on Experian but It was charged off one time.

NO payment history on XXXX it's inaccurate XXXX XXXX days late : Experian 1XXXX, XXXX XXXX  days late.

This should be the same on all 3 bureaus 3. Close Date Inconsistent/ Inaccurate ; XXXX XXXX, XXXX  No Date, XXXX NO Date 4. High Balance Inconsistent/ Inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX 5. Terms : Not Listed on XXXX XXXX  or XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I was the victim of computer scam. My computer was flashing a red screen with a phone number to call. I called the number and the " Hacker '' told me they were with XXXX During my interaction with the hackers they advised me that I needed to contact my bank and my credit card companies to advise them I needed extra security on my account. So I went ahead and contacted my bank and spoke to a customer service representative and let them know I needed " extra security measures '' on my account. Then in order to get my computer fixed I needed to get a disposable phone that cost me {$XXXX} and then I had to buy XXXX  gift cards from XXXX for {$XXXX each and the go back and buy XXXX more gift cards for {$XXXX} each,. XXXX days after on XX/XX/2021 I was contacted by my bank and was advised that I had been scammed. They also advised me to call all of my credit card companies and to make a police report. So I went and filed a police report about the scam and I disputed charges with my credit cards. XXXX XXXX the credit card company has not been cooperative and is not helping me and has denied my claim. My credit union thought that it was serious enough that they froze my account and wouldn't unfreeze it until I had my computer checked for bugs. I have a receipt invoice from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. The phone number is XXXX. The invoice number is XXXX. The invoice date is XX/XX/2021. The payment due XX/XX/2021. The amount due is XXXX dollars. Items quality price amount labor removed fake XXXX remote access. Cleaned up machine from malware infections. Installed latest XXXX XXXX update, patches, and drivers. Installed malware bytes protection {XXXX}. That's what's stated on the receipt. On XX/XX/2021. I sent them all the information that I have like the police report and the XXXX, and I sent them a copy of the computer removal. I tried to attach files with this complaint but are too large. I have a letter dated XXXX XXXX stating that I would not be responsible for the activity. I have the statement due on XXXX XXXX with credit for the XXXX {XXXX} charges and I have a copy or the payment statement after I got an alert that i was near my credit limit on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank/PayPal Credit Line has been contacted via myself more than 12 times concerning the issue with misreporting information on my credit report as numerous calls have been endured explaining the issues at hand and they always accept fault and promise to address the complaint in full force. They continually lie with false acts of calling the credit bureaus personally asking for the removal of said notations as well as notifying them that they reopened the credit line without notice, now that they have assumed fault for the late payment referenced on said credit report. They did this also on my physical credit card, separate of the credit line, but never did so on the other account. They changed their statements to electronic records and not paper documents without notice as they had actually advised me of the mistake. They agreed to remove but since the first communication was that of XX/XX/XXXX, and I am spending hours daily on the phone with customer service as now I am told they are mailing me copies of the adjustments and they repeatedly have sent surveys on their performance instead. This has held up loans and a mortgage as well as over 128 hours in phone calls, email correspondence and lawyer consults in order to reach a just decision, yet they continue to threaten me and challenge credit disputes stating that the account is not even open. Meanwhile I took a picture of the account as well as the activity and sent to each credit reporting agency as documented proof that I am in good standing and no response has been received from them as well even though I am now a paying customer of all three of them on a monthly subscription. I do not wish to have the credit line closed but I do want the actions of Synchrony Bank/PayPal Credit Line to be dealt with in a serious pursuit of damages and removal of any negative remarks instantly upon receipt of this complaint as damages will be pursued by my two retained counselor firms for said fraudulent activities of the organizations involved. False reporting of credit activity is a crime under federal law as well as opening credit accounts without approval or said notification. These facts are well documented as well as their responsibility in numerous denials because of said notations and the three months it has taken to receive no help whatsoever concerning the issue although they continue to accept blame. My last contact with Synchrony Banl/ PayPal Credit Line was on XX/XX/2021 when the customer service agent refused to forward me to a manager and denied accomodations to myself in reasonable fashion as to why the notes in the system read back to me are not reflected in the actions of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the account related to XXXX XXXX XXXX  This account is directly related to identity theft. The debt collector XXXX XXXX XXXX purchased a fraudulent account from XXXX XXXX an is now reporting this fraudulent debt to XXXX XXXX XXXX XXXX report. The original creditor XXXX XXXXXXXX XXXX Services is where the collection originally stemmed from. I already filed an ftc report, and CFPB report for the original account for XXXX XXXX which was proven fraudulent and deleted from XXXX XXXX XXXX XXXX XXXX report back in XX/XX/year> by XXXX. The debt collector XXXX XXXX XXXX purchased a fraudulent account and is now attempting to have me pay the fraudulent debt under threat of duress and coercion by reporting the fraudulent debt as a collections account on my experian consumer report. I demand this account be removed immediately due to the fact it is directly related to identity theft having stemmed from the XXXX XXXX account that was identity theft. Failure to delete this fraudulent account 4 days after receipt of this notice will be deemed civil noncompliance under the FCRA. It is not my fault XXXX XXXX XXXX purchased a fraudulent debt XXXX XXXX XXXX shouldve done their due dilligence before purchasing the fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need to be deleted from my credit report. 
Are fraud and should not be showing on my credit report I was XXXX  in XXXX XXXX during these accounts. The CRA XXXX, EXPERIAN, XXXX has continued to violate the following FCRA laws that state the following 15 USC 1681 9D ) ( 2 ) ( A ) ( I ) States that a transaction between the consumer and the person making the report should be excluded from your credit report 15 USC 1681 2 ( 7 ) ( E ) states that nothing under the FCRA requires a financial institution to furnish negative information to a consumer reporting agency. and is required to furnish accurate information. 
The following XXXX XXXX accounts shows dates XX/XX/XXXX on XXXX and on Experian and XXXX showing XX/XX/XXXX as dates opened inaccurate information. Date last reported XX/XX/XXXX XXXX, Experian and on XXXX showing XX/XX/XXXX. 
These accounts are FRUAD and need to be removed immediately