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

I am writing to file a formal complaint regarding serious inaccuracies and violations related to my credit reporting. My concerns primarily revolve around false Social Security numbers associated with my account, unauthorized inquiries, unauthorized accounts, and discrepancies in my reported balances. Despite my efforts to dispute these issues with the reporting company, they have failed to conduct proper investigations and consistently deny my requests.

Under **15 U.S. Code 1681o**, consumers have the right to seek damages for willful noncompliance with the Fair Credit Reporting Act. The inaccuracies in my credit report not only misrepresent my financial standing but also have a detrimental effect on my creditworthiness.

1. **False Social Security Numbers** : My credit report contains false Social Security numbers linked to my account, creating confusion and further complicating my credit history. This raises significant concerns about identity theft and the accuracy of the information being reported.

2. **Unauthorized Inquiries and Accounts** : I have identified several unauthorized inquiries and accounts that I did not open. These entries are not only inaccurate but also violate my rights as a consumer. Despite my attempts to dispute these entries with the credit reporting company, they have not provided satisfactory resolutions, ignoring my requests for validation.

3. **Inaccurate Balances** : There are discrepancies in the reported balances on my accounts. These inaccuracies misrepresent my financial situation and have the potential to harm my credit score.

4. **Disclosure of Personal Information** : Additionally, the company has disclosed my personal information, including permanent addresses and phone numbers, in public records. This unauthorized dissemination of my information is a serious violation of my privacy rights.

Despite my repeated attempts to resolve these issues directly with the reporting company, they have failed to investigate my claims adequately. They continually deny my requests without providing proper justification or resolution.

I urge your office to investigate these matters thoroughly and take action against the reporting company for their failure to comply with the Fair Credit Reporting Act and the protections afforded to consumers under **15 U.S. Code 1681o**. I seek to have these inaccuracies removed and my rights restored.

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

I called XXXX for a debt that is showing on my credit report for {$230.00}. I never received anything in reference to this. I called them and they stated that it was from 2015 from an emergency room for my daughter. I let the rep know that my daughter has Florida kidcare which covers all expenses and she said it was too late and that there was nothing that could be done and that I had to pay for this. 
I provided my daughters insurance to the hospital. If i would have received something or been notified somehow, I would have corrected this issue then
Product: Credit reporting

i contacted experian and they sent me a copy of my report file and i sent them information who i am ss number card and proof of my address from a letter i got in the mail and they still wont take this other persons name information off my report. and its on XXXX and XXXX as well i want it taken off all XXXX reports. it has a persons name of XXXX on my report im not XXXX and i never lived at a address in XXXX before of XXXX XXXX XXXX XXXX XXXX, XXXX ne XXXX i want this XXXX name and this address of my report its not my information. there is also a address of XXXX, ne XXXX and this persons name of XXXX as well on my XXXX report file number and i want that taken off too ive never lived at those addresses in my life.XXXX wont even send me a copy of my report at all because they say im not this person since XXXX peoples names are under my ss number on their credit report. my report should be empty with nothing on it since im a minor and and be blank. no other stuff should be on my report and if there is i want it taken off. i also see a XXXX bill on here and i want it taken off ive never had a phone in my name before, i cant get a copy from XXXX to see and they wont tell me on the phone when ive called. im including a copy of a letter i received in the mail with proof of address, i do not have dr license to send since i never applied for one in my life. but i did send them a copy of my ss card so they all XXXX have this information in their files. i demand for XXXX to send me a copy of my report so i can dispute items on it since these XXXX other reports have issues. i tried to attach a form to show my only address i have lived at but it wont attach it keeps giving me error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've mailed the Credit Bureau directly due to the inaccuracy of the reporting and validation of 2 public  records on my profile. The request to dispute was denied without substantial proof to have this inaccuracy reporting to my credit profile. 

Effective XX/XX/2017, any public record data must include name, address, SSN & DOB in order for it to appear in your credit file. The Credit Bureaus have not updated the information and per the new law, true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my transunion credit report. Please update my records to reflect my current and accurate information. 

Current Address : XXXX XXXX XXXX  XXXX, MA XXXX Incorrect Addresses to be Deleted : XXXX XXXX XXXX  XXXX XXXX, AL XXXX and XXXX XXXX XXXX, MA XXXX Additionally, I would like to request the removal of the following previous employers from my report : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Debt collection

For the past year I have asked this company to validate that this debt and the only information they have been able to provide me with is what appears to be unpaid bills. 

This company is reporting to the ( 3 ) Credit Bureau 's : XXXX, XXXX, and XXXX that I owe {$780.00}. This has been a highly negative impact on my personal credit report. Please understand this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim is disputed and validation is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus have not responded to my letter within 30 days in regards to inaccuracies on my credit report
Product: Credit reporting or other personal consumer reports

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX  XX/XX/year> ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it 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.
Product: Debt collection

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX M J ALTMAN COMPANIES I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious M J ALTMAN COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX. I have been a loyal customer of XXXX XXXX since XX/XX/XXXX, when I purchased a XXXX XXXX XXXX from XXXX XXXXXXXX in XXXX XXXX. I also bought a maintenance plan and an additional extended warranty in the original purchase, demonstrating my trust in your services. 

In XX/XX/XXXX, I went to the dealership, as instructed by the finance company, to cancel the maintenance plan and extend the warranty. I completed the necessary paperwork, which the dealership processed. On XX/XX/XXXX, the dealership sent Stellantis Financial a refund of {$4300.00}. The check was cashed on XX/XX/XXXX, per the verification provided. 

It is now XX/XX/XXXX. After XXXX phone calls and XXXX emails, Stellantis Financial has not credited my account to reflect the decrease in the principal balance. I want to refinance the balance to get a better APR from my credit union, but am not able because the payoff that Stellantis is providing does not reflect the refund.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX XX/XX/XXXXXXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear Equifax Information Services I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX DA have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX DA Account Number : XXXX Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$40000.00} Balance Updated : XX/XX/XXXXXXXX  Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : XXXX I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that Equifax thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Dyck O'neal listed numerous accounts on my credit report that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/MARLETTE XXXX XXXX XXXX XXXX, NJ XXXX Dear XXXX/MARLETTE : It is your responsibility to ensure your permissible purpose in accordance with the Fair Credit Reporting Act before reviewing a consumer 's credit report. Demonstrate that your hard inquiry for XXXX XXXX dated XXXX, 2022 met this requirement, pursuant to the XXXX. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a victim of identity theft and fraud, I'm filing this complaint with the CFPB to request that you, TransUnion credit reporting agency, promptly block the inaccurate and fraudulent information on my credit report within 4 business days, as per FCRA 605B ( 15 U.S.C. 1681c-2 ). 
The fraudulent information includes an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These fraudulent accounts have resulted in several hard inquiries and collections appearing on my FICO credit report, severely damaging my creditworthiness. As the victim of this identity theft, I request that you take immediate action to remove this false information and protect my financial well-being. 
Your credit report maintained by you shows fraudulent items that I do not recognize. The accounts, collections, and hard inquiries listed on my credit report were not opened, made, or initiated by me. All of these are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the XXXX Federal Trade Commission that these credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 

XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit inquiry dispute with Equifax online on XX/XX/2018. Two days later on XX/XX/2018, I received an email notifying me that the dispute was complete. Each time I attempted to check the status online, the website returned with this message : " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. 
Please try again later or contact us directly to check the status of your dispute. 
We apologize for the inconvenience. '' When I called Equifax, the representative indicated that I could not dispute a hard inquiry with them ( Equifax ) and that I had to directly through the company that reported it. 

Equifax did not do a proper investigation. In fact, they did no investigation at all. 
I contacted the below creditors and I have not received any proof that I initiated such inquiries, nor written authorization nor any permissible purpose. Since, I have received no authorization,
Product: Student loan

My loan was in deferment because I went back to school after  XXXX . I needed to extend my deferment because the initial length was not long enough. Reason being I was enrolled in a   XXXX   XXXX   but decided to get a  XXXX    XXXX   through a program at my work. I called Navient multiple times to try and get my deferment period fixed and got little results.  XXXX  mishandled my paperwork and did not file my request. The result ended up being my deferment ending pre-maturely, the accrued interest from my deferment being applied to my loan principles then a day later my deferment started again. Essentially, they messed up my paperwork, added thousands of dollars to my loan balances and when I asked for a recording of my phone calls to them for my recorsd since it was clear they had made mistakes they at first said " Yes, we can absolutely send you copies of the calls '', then the woman went off and spoke to her  manager and to ld me if I wanted the call recordings I would need to get a subpoena from my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened in XXXX and was charged off in XXXX. 

I settled the account for less than was owed and paid as agreed in XX/XX/XXXX. 

Credit bureaus are reporting late payments after card was paid off as agreed. 

Credit report showing late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

If I paid the account completely as agreed in XX/XX/XXXX, late payments should no longer be reported after that date.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies found on my credit report. Upon a thorough review of my personal credit file, I have identified several discrepancies that I believe are unjustly affecting my creditworthiness and, consequently, my ability to secure homeownership. Given the current economic challenges, it is imperative that my credit report accurately reflects my financial history without the detriment of errors. 
In accordance with the Fair Credit Reporting Act, I understand that your agency is obligated to investigate these disputes within a thirty-day period following the receipt of this letter. Below, you will find a list of the inaccuracies that require your immediate attention and correction : 1. Name of Furnisher XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request that your agency undertake a diligent investigation into these matters and remove the incorrect information from my credit report. The presence of these inaccuracies is not only misleading but also has a significant negative impact on my credit score, thereby hindering my financial opportunities.

I am fully aware of the economic difficulties our society is currently facing, and it is under these circumstances that I can not afford to have my creditworthiness compromised by errors.

Therefore, I anticipate your cooperation in rectifying these discrepancies and look forward to receiving an updated copy of my credit report reflecting the necessary corrections within the stipulated thirty-day timeframe.

I trust that you will address this matter with the urgency and thoroughness it requires. Thank you in advance for your prompt attention to these issues and for your assistance in ensuring the accuracy of my credit information.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX  XXXX
Product: Debt collection

I checked my credit report, and saw an account for XXXX/OPPLOAN in the amount of {$1400.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00}.
Product: Debt collection

On X/XX/17 I disputed a collection with diversified consultants. Diversified Consultants stated they would delete information from all credit bureaus and update my credit. I, Also asked for verification of this debt from diversified Consultants and as of the day I have n't received verification, I also checked with my local post office and they said I 've never received mail from Diversified Consultants. Diversified Consultants are in violation of the FCRA. Diversified Consultants has already deleted the account from XXXX, but still needs to delete from XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be in error.
Product: Credit reporting or other personal consumer reports

I have a complaint about a creditor that has violated my rights under the Fair Credit Reporting Act ( FCRA ). First, they violated 15 U.S.C. 1681 Section 602 ( A ), which states that I have the right to privacy. Second, they violated 15 U.S.C. 1681 Section 604 ( A ) Section 2, which states that a consumer reporting agency can not furnish an account without my written instructions Experian has yet to respond to my complaint, which is why I am filing a second one. I will continue to file complaints until my issue is resolved. Ive been disputing this account for over a year and they still have not removed it. They are getting away with criminal acts, and I will no longer be a victim. I will take legal action if necessary. I am not the only one, and they need to stop.