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

I disputed the missed/late payments on my negative accounts because I've never been late or missed a payment. 

I also asked for proof of charge off and to update the balance to {$0.00} or delete the negative payment status on the negative accounts. 

Lastly, I asked for proof from the original creditors of these collection companies that the debt collector owns this debt and has the legal authority to collect it or delete this account. 

All they said was that these accounts were confirmed as accurate. They provided no proof and didn't update balances or anything. Collections companies didn't provide proof either. 

These are the accounts : XXXX Charge account with account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with account XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX with account XXXX XXXXXXXXXXXX XXXX Charge account with account XXXX XXXXXXXX XXXX XXXX XXXX Credit Card with account XXXX XXXXXXXX XXXX Charge account with account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. Unsecured loan with account XXXX XXXXXXXX XXXX Charge account with account XXXX XXXXXXXX XXXX Charge account with account XXXX XXXXXXXX Collection account from XXXXXXXX XXXX XXXXXXXX with account XXXX XXXXXXXX Collection account from XXXX XXXXXXXX XXXX XXXXXXXX with account XXXX XXXXXXXX Collection account from XXXX XXXX XXXX with account XXXX XXXXXXXX Collection account from XXXX XXXXXXXX XXXX XXXXXXXX with account XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Between XX/XX/2024 and XX/XX/2024 there was an account reported to my credit in the amount of {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous letter to redispute these items : 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 XXXXXXXX Balance : {$410.00} The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to reach out to Equifax to dispute inaccurate information on my credit report that doesn't belong to me. I have provided Equifax with a copy of my social security card and drivers license to prove my identity. However, although I have provided my actual social security number and license, I am being informed this account belong to me although I have never resided in Maryland.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

This is my first request 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$3000.00} XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 
There are fraudulent accounts on my profile that need to be removed immediately. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX am the living woman, executor, beneficiary of XXXX XXXX XXXX It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX instructions are as follows : The following are all inquires, derogatory, collection, late payments, closed accounts anything negative all need to be removed effective and immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate and incomplete information on my Equifax credit report. Despite my efforts to resolve this matter directly with Equifax, they have willfully declined to provide verification information and correct the inaccuracies. 

The inaccuracies on my credit report include different account numbers, different dates last reported, reported last dates, and last payment dates. Additionally, there are several accounts and addresses listed that do not belong to me, including accounts with XXXX XXXX, Attorney General, XXXX XXXX, and Dept of EdXXXX XXXX. The names and addresses associated with these accounts are also incorrect. 

These inaccuracies have had a significant adverse impact on my life, including difficulty obtaining credit, higher interest rates, denial of employment, and difficulty renting an apartment. According to Texas consumer law, any inaccurate information that has been willfully or unwillfully reported must be removed after four years. Equifax 's failure to comply with this law and the Fair Credit Reporting Act ( FCRA ) has caused me undue hardship. 

I request that the CFPB intervene and ensure that Equifax conducts a thorough investigation, verifies the accuracy and completeness of the information with the original furnishers, and removes all inaccurate and incomplete information from my credit report. I also request that Equifax provide me with a written confirmation of the results of their investigation and notify all creditors and other users of my credit report of the corrected information. 

Thank you for your attention to this matter. 

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

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. NMAC Inquiry : XXXX XXXX, 2019 and XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Checking or savings account

Navy Federal continues to take money from account without my permission and they keep lying to me about the amount that I owe on my vehicle. I had a payment arrangement set up for the XXXX which would have brought my account current. They then said I had a balance on {$53.00} but took out {$430.00} from my account. They have been harassing me since I started filing complaints
Product: Debt collection

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Product: Debt collection

XXXX had deleted this account of my Credit report 3 times, 2 times with CFPB help, so after deleting it again 2 months ago a collection Company by the name of Portfolio recovery Purchased a Dead Account that did not belong to me. XXXX XXXX XXXX  deleted it because once again they say it was fraud. why do they keep putting this account for sale. for {$500.00} they are trying to get out of me also i lost 15 points instantly on my credit report. I want this corrected and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of Identity Theft. I sent my FTC identity Theft Report to Equifax on XX/XX/2022. They did not remove XXXX XXXX XXXX. They said it was verified as accurate. I sent a second letter to them on XX/XX/2022 stating : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report immediately XXXX XXXX XXXX. I gave account number and amount. The reporting of this account is a violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

They again did not remove this account. They said it was verified as accurate and updated.
Product: Debt collection

On XX/XX/2018, I spoke with a representative from Blackwater Capital Group, by the name of XXXX XXXX. She contacted me regarding a debt owed to company called XXXX XXXX. She told me that a court case had been filed in XXXX XXXX regarding this debt. However, she told me that it could be dropped if I pay the debt immediately. We discussed a payment date of XX/XX/2018. 
This morning, XXXX XXXX contacted my brother regarding this debt. She gave him personal information about this debt. She told him that they were now going to file a judgement against me, this time in XXXX XXXX and that if I didn't pay this debt, they would cancel my drivers license. This is completely unacceptable. She had no reason to contact my brother, as she had my phone number and I had even given her an updated address. This violates the law. 
XXXX XXXX phone number is XXXX XXXX ext XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I'm seeing inquires that I do not recolonize and want those removed. I believe that are the result of what I believe to be fraudulent activities. I must note that I did not apply for credit accounts with the below listed companies and creditors. Some of these are the result of attempts to open accounts, but the companies did not approve these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX for {$16000.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from Experian, XXXX, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. 

I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived at any of the addresses that are reporting onto my consumer reports please remove them immediately : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are amongst the list. Every communication with XXXX, Transunion, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent two first class mail letter asking for hard copy of credit report from Equifax inc.Last letter sent XX/XX/XXXX, also phone twice XXXX XXXX XXXX XXXX .report never received.my name is XXXX XXXX born XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX phone number is XXXX XXXX XXXX my email XXXX .lived this address since sometime XXXX.i was told to not use middle name to prevent I d theft. please have Equifax send credit report .XXXX XXXX and XXXXXXXX  contacted same day as Equifax sent credit report.i need to correct some data on their report. thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion as not updated my XXXX XXXX  credit card balance ending in XXXX and XXXX XXXX balance must be updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted this complaint. Real Time Resolutions ( RTR ) is the current servicer of a loan that had previously been serviced by XXXX XXXX XXXX, ( XXXX ). 

XXXX had reported the loan as a charge off more than 6 years ago. In RTR 's response to my complaint they attempt to claim that XXXX 's reporting was incorrect and that my complaint was directed at the wrong servicing company. Although I have never stated that the RTR they continue to take that position, and it appears that their only reason for doing so is to support their " belief '' that they are properly reporting the loan. 

I have requested XXXX  to notify myself in writing, with a copy to RTR, confirming that XXXX  ' prior reporting was in fact correct. This is a simple verification that RTR could have done with XXXX   but they continue to fail and refuse to do so. 

I have obtained limited relief from XXXX who was able to determine that RTR was in fact a duplicate report of this account that had been reported by XXXX more than six years ago, and in fact removed RTR 's reporting from XXXX.

However, RTR continues to report the loan to XXXX who to date continues to include RTR 's reporting on my credit, even though the prior charge off had been reported more than six years ago.

I need RTR 's reporting of the account to stop immediately and for them to remove any prior reporting of this account. RTR should also provide any and all documentation provided at the time of transfer which indicates if this loan was in fact previously reported as a charge off, or if the account was transferred as a current account, not merely state their belief, that conveniently supports their position. 

Further, RTR should b e held accountable for their actions.