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

Dear, XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to Experian, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting!

You are improperly reporting an alleged Auto Loan, and student loans to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged delinquent account.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my XXXX XXXX XXXX XXXX report that I do not recognize. They are negatively affecting my credit score. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX CAPITAL ONE AUTO FINANCE Inquiry : XX/XX/XXXX - Finance CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not give permission to run my credit to these companies.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft through an employment scam that stole all my information. I then received inquiries I did not make on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts reporting on my Credit Report which are unknown to me, upon further research, I found that these accounts are fraudulent. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$4600.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX balance reported wrong both inquiries with XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX does'nt belongs to me. I've asked for these to be removed and you all refused.
Product: Debt collection

I am writing to formally a complaint against XXXX XXXX XXXX and request a thorough investigation into the company 's breach of contract. On XX/XX/2023, I initiated an arbitration process against XXXX XXXX XXXX. However, I have recently been informed by the XXXX XXXX XXXX XXXX XXXX ) that the case has been closed due to the company 's failure to fulfill its arbitration fees. Attached herewith is a copy of the letter I received from XXXX. 

Case information Case number : XXXX It is evident that XXXX XXXX XXXX is evading its responsibilities and engaging in unfair practices towards its clients. As per the terms of our agreement, any disputes should be resolved through arbitration. However, the company 's non-compliance with the arbitration fees demonstrates a clear disregard for its obligations. 

I request that a thorough investigation be conducted into XXXX 's conduct and the breach of contract. It is crucial to hold the company accountable for its actions and ensure that fair and just practices are upheld in all business dealings.
Product: Debt collection

H & R Accounts Inc. is a collection agency who has had a collection account on all 3 of my credit bureaus since XX/XX/XXXX and at least on 4 occasions has changed the amounts owed. They have also stated on the credit bureaus that I made one payment of {$26.00} on XX/XX/XXXX. I have never made a payment to H & R Accounts Inc. I was able to obtain from Original Provider ( Clinic ) a list of payments I 've made since XX/XX/XXXX when the debt allegedly commenced. Not only was there not any payment made in the amount of {$26.00} or anything {$26.00} and since I 've been on XXXX there have been no payments for anything sinceXX/XX/XXXX. I disputed this erroneous information with all 3 credit bureaus twice and everytime H & R Accounts Inc. verified as there information as accurate. I sent them a request for validation XX/XX/XXXX which they received XX/XX/XXXX and  confirmed by H & R 's representative XXXX on XX/XX/XXXX via 3 way phone call with XXXX to get method of verification. On that phone call XXXX stated the information was accurate and when I told him I have never made a payment to H & R and I wanted to know the method of payment he said he did n't know how it was paid and started to become irritated. I asked him about the balances and how they changed as it did n't correlate with what I had received from the original provider ( clinic ) and he hung up the phone. There are a few other smaller issues with the collection account but these were the main reasons of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine and opened fraudulently {$1200.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$7400.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX  Opened : XX/XX/XXXX {$5300.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$2400.00} SXXXX  Opened : XX/XX/XXXX
Product: Debt collection

I received notice for the attempt to collect a debt on a debt that a XXXX dismissed due to the XXXX XXXX XXXX XXXX XXXX not making an appearance in court. I was sued by XXXX XXXX XXXXXXXX XXXX XXXX XXXX and I obtained XXXX through XXXX. NOT ONCE WAS the XXXX XXXX XXXX XXXX XXXX able to PROVE THIS DEBT BELONGS TO ME. I AM now being harassed, I am asking them to prove that this debt is mine. I went to every single court appearance I took and take this matter very seriously. I could have lost my job, and you are attacking not only my credit but most importantly my livelihood and it is not fair. ACCORDING TO 15 U.S CODE 1692G I AM IMMEDIATELY REQUESTING XXXX ) A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE THAT I ACTUALLY SIGNED FOR THIS DEBT. XXXX ) A DETAILED LIST OF MY HISTORY OF PAYMENTS XXXX ) PLEASE PROVIDE ME WITH THE NAME AND THE ADDRESS OF THE ORIGINAL XXXX. I ALSO WANT TO SEE IF THERE HAS BEEN ANY INSURANCE CLAIM FILLED ON THIS DEBT. XXXX ) PLEASE PROVIDE ME THE PURCHASE AGREEMENT!! I WANT PROOF YOU OWN MY DEBT AND HAVE BEEN ASSIGNED MY DEBT TO COLLECT. SHOW ME THE CHAIN OF TITLE!! XXXX ) PLEASE PROVIDE ANY JUDGEMENTS OBTAINED XXXX ) PROOF THAT THE STATUTE OF LIMITATIONS HAS NOT EXPIRED YET THIS IS NOW HARASSMENT!! YOU ARE HARASSING ME!! YOU TOOK ME TO COURT AND THE CASE WAS DISMISSED AND YOU ARE CONTACTING ME AGAIN FOR WHAT REASON..
Product: Debt collection

I reached out to Mercury Financial on XXXX because i received a notification that Mercury had updated my credit report on XX/XX/2024 from paid settlement to in collections/charge off. I settled the account out in XXXX of 2024 so i was very confused when i got the notification. I called and asked that they remove the entire account from all XXXX of my credit reports because they are reporting incorrect information. I was advised i can see what we can do and will be in touch within XXXX. Unfortunately I have not received any type of notification from Mercury and my credit report is still reflecting negative incorrect information. They are reporting my account as being closed out with a {$0.00} balance with a credit limit of {$2300.00} that's incorrect. My account status is listed as paid but current payment status in collections/charge-off. Due to the errors listed in my credit report for the account above. At this time I am making the last request to have the entire account and its information removed before I am forced to take legal matters.
Product: Debt collection

I had a car repo XXXX years ago and I didn't want it so I called and told them to sell the car and then was told by credit acceptance which is the loan company that all I would have to pay was XXXX dollars .so after they sold the car they never send me the email verification of the how much I would have to pay.so after the repo they still continued to report on my credit as late payments.
Product: Debt collection

Good day, I can not overstate how frustrating and exhausting this situation has become. Imagine waking up one day to find a debt attached to your namecompletely unverified and one that doesnt belong to you. On top of that, Ive been subjected to relentless harassment across various communication platforms, with different tactics designed to intimidate me. I never imagined starting my day with threats of legal action over something that isnt even mine. As a law-abiding citizen, this experience is not only insulting but a blatant violation of my rights as a consumer. The constant stress and XXXX  are taking a toll on my mental health, and Ive endured sleepless nights because of this ordeal.
Product: Student loan

I have two direct subsidy loans that I'm working on getting forgiven through Public Student Loan Forgiveness ( PSLF ). I keep track of it diligently. In XX/XX/XXXX I noticed one loan had an extra qualifying payment. I contacted MyFedLoan and they said they would look in to it. After not hearing anything for a month, I contacted them again and was told it would take time. I didn't contact them in XXXX but sent an email requesting an update as it had been close to four months since sending the initial email. I didn't hear anything for a week so I called on XX/XX/XXXX and was told they are still looking in to it. Apparently one of my payments was off by XXXX cents due to an error with their software. But because I still have a ways to go before my loans are forgiven, I had to wait until people closer to forgiveness had their issues resolved. I'm being perpetually pushed to the back of the line. Four months is a long time to wait for an issue over a nickel that was caused by their software.
Product: Consumer Loan

I filed a Chapter XXXX Bankruptcy and it was discharged in 2011. XXXX was included in it and they are still reporting on my credit with a balance. IT is affecting my credit and financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am completely outraged right now. There is a glaring error on my credit reports that needs to be fixed literally as soon as possible. My family is on our way to owning our first home, and this is really preventing us from accomplishing this goal. 

I have attached a copy of my credit report that shows this error. XXXX XXXX is showing I still pay monthly for a car that has not been in my possession for over 4 years! It shows we make a monthly payment of {$540.00} to XXXX XXXX, and we do not! Since this is reporting this false information, I would like Chrysler Capital to be able to prove this! But I'm 100 % sure they can not! 

How can a charged-off account show a current payment? This is just ludicrous. Everyone knows charged-off accounts are supposed to show a " {$0.00} '' balance anyway. And that is wrong as well! 

Apparently we are not the only victims of this company. XXXX has a 1 star review with Consumer Affairs, and XXXX customers has an 1 and  a half star rating as well for XXXX XXXX. Attached is the proof for this as well! 

This needs to be removed from my report ASAP! It is inaccurate, and throwing off our debt-to-income ratio, and now we can not be approved for our dream home without it!
Product: Credit reporting, credit repair services, or other personal consumer reports

i'm complaining about unfair portrayal of credit information on XXXX, transunion, and XXXX.The negative portrayals of XXXX XXXX acct. no. XXXX, XXXX  XXXX XXXX, account no XXXX, XXXX  XXXX XXXX, acct. no.XXXX, and XXXX  XXXX XXXX are due to a single source that was beyond my control and overwhelming me.My spouse who is now divorced from me was systematically stealing and using credit without my permission.As a result I am left with severe credit damage which could be mitigated by you.
Product: Credit reporting or other personal consumer reports

Hello - I recently received an alert that a hard inquiry was made to my credit report by XXXX XXXX. Having never applied for a XXXX XXXX credit card and otherwise having no business with them, I was concerned. I immediately checked my credit report, disputed the fraudulent inquiry, and in doing so made accounts at the 3 major credit bureaus : Experian, XXXX, and XXXX. Since I did this last week, my Experian account has been hacked twice and is currently outside of my control. A hacker, using my SSN, must have gained access to my Experian account and changed my password and phone number associated with the account- in other words, there is no way for me to gain access to my own credit report through Experian.

Experian 's account safeguards seem to be so lacking that anyone with your SSN can create an account in your name or take over your existing account. I tried calling Experian 's customer service line many times - it is automated, and there seems to be no way to actually get to an agent to discuss this issue, prove who I am, and receive timely help on this sensitive, concerning matter. After 3 days, Experian did respond to an email, asking me to physically mail copies of my driver 's license, utility bills, and social security card to their address. Needless to say, especially considering what I'm going through at the moment, I don't feel comfortable sending around my sensitive personal documents across the country. Also, the email they sent was itself concerning- although it was from the experian.com domain name, it had several typos and formatting issues. It made me feel paranoid, like these people ostensibly trying to help me monitor issues of identity theft might be scammers themselves. 

I just want the opportunity to safely access my credit report through Experian, and the assurance that they will automatically use multi-factor authentication to prove, as much as possible, that people are who they say they are and are legitimately trying to access their own credit information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report. Upon reviewing my credit report, I discovered several accounts and addresses that do not belong to me. The fraudulent information includes the following : Fraud Names : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Fraud Accounts : XXXX. XXXX XXXX  - Account number XXXX XXXX. XXXX XXXX - Account number XXXX XXXX. XXXX XXXX  - Account number XXXX XXXX. XXXX XXXX XXXX - Account number XXXX XXXX. XXXX XXXX XXXX  - Account number XXXX Additionally, there is a record of XXXX XXXX XXXX discharged with the reference number XXXX. This bankruptcy does not belong to me and is a result of identity theft. 

I request that you investigate these fraudulent items and remove them from my credit report immediately. This information is damaging my credit score and is affecting my ability to obtain credit. 

Please note that the inclusion of this fraudulent information violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a fair and accurate credit report, which includes the removal of fraudulent information. 

I have also filed a report with the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. I can provide this report to you upon request. 

Please inform me of the actions you will take to resolve this matter. You can reach me at XXXX to discuss this further. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe disappointment upon me finding unverifiable, invalidated, inaccurate, and questionable items that the credit bureau agencies did not make sure was 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) these accounts are in violation of not reporting 100 % accurate information.
Product: Debt collection

XXXX @ XXXX XXXX. Received a robo-call about possible litigation that was attached to my phone number, and was connected to an agent who identified himself as XXXX XXXX from The XXXX XXXX XXXX. He said that I had an old bank account with XXXX that was opened XX/XX/XXXX and that had been closed for overdraft. I informed him that this couldn't be correct, as I had not had an account with XXXX in XXXX, but I had my identity stolen around that time. I was told that unless I made payment arrangements by XXXX that day, that the case would be going into escalation which would lead to court and being reported to XXXX. I hung up and immediately called XXXX XXXX, and they have been able to confirm for me that the account in question existed, but that it was opened in XX/XX/XXXX, charged off in XX/XX/XXXX, and sold in XX/XX/XXXX. When I called back to The XXXX XXXX XXXX, I spoke with a " manager '' names XXXX XXXX, who informed me that this account wouldn't be considered an identity theft issue due to the length that it was maintained, and again I was threatened that if I did not arrange a payment plan before the XXXX deadline, that this would be going to court and be submitted the XXXX I felt forced to make a payment arrangement or be sued, and I made a {$1.00} retainer on a debit card. They agreed to wait until XX/XX/XXXX to take a {$200.00} payment off the same card, and emailed me a litigation notice. After that, I immediately contacted a lawyer who advised me that it was more than likely a scam, and so to cancel the card. They have now began calling me again, and although I have requested validation of the debt multiple times, they have neglected to provide me with anything, saying that I have been receiving notices about this for years at an old address. However, they claimed to have done a background check on me in order to get current information, but couldn't give me any current information other than my maiden name and phone number. I was contacted on I was contacted on XX/XX/XXXX by XXXX XXXX, at which time he threatened legal action against me. Approximately 2 days later, I received another litigation notice in the mail, dated XX/XX/XXXX. Then on XX/XX/XXXX, I was contacted by a case manager named XXXX about the issue, to which I informed him that I had sent a letter in the mail asking to not be contacted via phone and that i was requesting validation of the debt. I believe this is a scam, and if it is a legitimate debt, that they are trying to collect a XXXX debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Yes I open this account XX/XX/2008, my card was fraudulent use in another state that thus credit card company, contacted me that my card had fraudlent activity. so capital one closed my account. and i agreed to pay my part where i had made purchased, on this card.and i conitued to pay what i owed. then capital one raised my interest rates. on what i had used my card. i have been paying my account everymonth as i should. last month capital one charge me a annual fee on this closed account. this was just a slap in my face by this company. i seek a attorney. and was told this was agaist the law. this account has made my life and credit upside down, I was told also that i was being charge for a XXXX dollars cash advancement. over 10 years. the capitalone crdit card company has continued to charge my account now for over 10 years. this is ridiculous. can youplease help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian, XXXX XXXX and XXXX credit reports reflect XXXX different reported fraudulent information. 

Experian is reporting incorrect credit card balances with XXXX XXXX and XXXX XXXX. 

XXXX is reporting fraudulent accounts : XXXX XXXX XXXX Account that is fraud, I have the incarceration documents. 

XXXX is reporting fraudulent Student Loans that are reappearing on my credit report. 

XXXX is reporting a XXXX XXXX account with a wrong balance, XXXX have not responded to my dispute in over 45 days. 

XXXX XXXX is reporting fraudulent accounts and refused to correct and remove fraudulent inquiries to non account holding inquiries. 

Ive checked all three reports through Experian XXXX service and noticed all the fraudulent inconsistencies with each report. 

These Bureaus have incorrect information and errors on multiple reports.