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

Dear Equifax, I am writing to formally dispute inaccurate personal information listed on my credit reports. Despite numerous attempts over the years to have this incorrect data removed, all three credit bureaus continue to report wrong names, incorrect addresses, and inaccurate employment information on my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have the right to receive complete and accurate information on my credit report. Additionally, FCRA Section XXXX ( XXXX XXXX. XXXX ) mandates that credit reporting agencies investigate disputes thoroughly and correct or delete any information found to be inaccurate or unverifiable. The persistence of this erroneous data, despite my previous disputes, demonstrates a failure to meet these obligations. 
The reporting of inaccurate personal identifiers increases my risk of identity theft and fraud, especially in a world where millions of people have similar names. The FCRA requires that credit reporting agencies ensure the maximum possible accuracy of the information they report under Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your failure to maintain accurate records has caused unnecessary harm and confusion. 
I am requesting the immediate removal of all incorrect names, addresses, and employment information from my credit reports. Additionally, I am requesting written confirmation once these corrections have been made. Failure to address these inaccuracies properly may result in legal action under Section XXXX ( XXXX XXXX. XXXX ) and Section XXXX ( XXXX XXXX. XXXX ) for willful and negligent noncompliance, respectively. 
Please consider this letter my formal dispute and act promptly to correct my personal information.
Product: Debt collection

My XXXX credit report shows two collections for Medical Debt to XXXX in the amounts of {$130.00} and {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX, XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$990.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$310.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$490.00}. Please delete. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has the following WRONG addresses on my credit report. 

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX Equifax has the following WRONG addresses on my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY, XXXX XXXX XXXX has the following WRONG addresses on my credit report XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  NY, XXXX XXXX These addresses do not belong to me and may be negatively effecting my credit report.
Product: Credit reporting or other personal consumer reports

This agency has shared my data and information multiple times without my consent I have asked for under verified personal information to be removed from my credit account. But
Product: Debt collection

XX/XX/year> - received notice of debt collection by a company by the name of Schwartz Vays, that I owed almost {$900.00} for a debt that was {$170.00}. I never received previous collection attempts or notices that my account would be sent to a collection agency and have no way to verify the validity of Schwartz Vays claims that attempts were made. 
I contacted them the same day via dispute portal on their website and received a collection of forms that appear to have been generated and have questionable dates. Upon sending a PDF with a collection of items in it they marked the dispute as resolved and vowed to resume collections on the account. After researching this company further they appear to be a scammer collection agency which is notorious for attempting to collect 3-4 times the original amount of a debt typically HOA dues. 

XX/XX/year> - I open a new dispute requesting verification ( certified mail receipts or copies of any article with a wet ink signature ) of previous attempts to collect this debt since I never received these notices I can't verify their claims, a week goes by and a I check their portal only to see that the dispute is listed as " XXXX '' I am not sure what this means other than they either refuse to provide these items or are unwilling to provide these items. 

XX/XX/year> - I resubmit a copy of the previous dispute requesting the items to verify their claims and notify them of my intention to submit a complaint to the XXXX in an attempt to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these companies my permission to post or give my credit information. It is a violation of my consumer rights according to Fair Credit Reporting Act under 15 USC 1681.

15 USC 1681, section 602 A, states I have a right to privacy.

15 USC 1681 section 2 states that a consumer can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedotes 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have reviewed my credit report in XX/XX/2022 and sent certified letters to creditors as well a XXXX, Equifax and XXXX Credit Reporting agencies, asking them to delete the information from my credit report because of inaccuracies, not my accounts and/or because it was published without my permission. Of course it is well over 30 days and they have not deleted these accounts from my credit report. 

On XX/XX/2022, I sent a certified letter for XXXX XXXX {$5900.00}, it has been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts are charged off, but they are still on my credit report. 

On XX/XX/2022, I sent a certified letter to Equifax for XXXX {$2600.00} ; XXXX {$2100.00} ; XXXX is on my new credit report 4 times for 2 loans. Some of the accounts dont have account number or other information is missing making it look like its a different account. the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX  for XXXX {$84.00} ; it sold it to XXXX  XXXX, XXXX on XX/XX/2022 and the accounts is on my Equifax credit report, but I never owed them anything and it is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

My mortgage was sold to Nation Star Mortgage servicing by XXXX XXXX XXXX ( XXXX ) After the mandated settlement with th US XXXX, Bank XXXX sold my loan. I have no chance of negotiating with XXXX XXXX XXXX - directly. XXXX purposely removed itself of responsibility once it settled because - the settlement did not require that XXXX keep the troubled mortgages -- THIS IS CALLED A LOOPHOLE. all the while hopeful homeowners were waiting for stipulations from the multi milllion dollar, XXXX sold our loans.Therefore once again finding a loophole to beat the system and not pay money back of help the consumerI have been trying to negotiate a reasonable mortgage payment since 2009.I have never accomplised the goel. 
XXXX bought my loan from XXXX in 2009. Realistically XXXX will never negotiate my mortgage because Bank XXXX XXXX in New York is true owner of my loan and multiple investors. Instead XXXX continues to lie year after year. 
This information is sent to XXXX credit reporting agencies and my credit score is very, very low. You see, I stopped paying the mortgage about 4 years ago because fo financial hardship. The payment that XXXX offered me as more than I was paying before I stopped paying them. 

Recently, I have rec 'd a letter from XXXX of Nation Star 's group of lawyersthreatening FORECLOSURE now.
Product: Vehicle loan or lease

In XXXX, 2024 the vehicle was involved in a car accident and it was totaled The Insurance Company, paid Chase the full value of the loan. This payment was made in XXXX. 
Since that time, Chase continues to draw money from my account for this loan even though it was fully paid off with the insurance check. 
I have asked them to stop, and to provide a lien release so that I can obtain another car,. 
At this point, it has been over 6 months that I have not had a car, and I have been required to continue to make loan payments on an account that has been fully satisfied. 

I am unable to get a new car, and I am unable to perform my required job duties since I can not get a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried several times to get inaccurate reporting removed such as listed below, Date of birth ( inaccurate ) Address 's ( inaccurate ) as seen on TransUnion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the validity of the invalidated items below Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX  per VIOLATIN YOU ARE COMMITING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 - I submitted a complaint towards Experian, XXXX, and XXXX XXXX regardinga bankruptcy they are currently reporting on my credit profile. 

Each agency replied that my credit profile has been updated with the correct information, and the updated information was received from XXXX XXXX. 

Per the attached document ( please read highlighted portions ), XXXX XXXX deleted this bankruptcy from their records on my profile with them.
Product: Mortgage

XXXX XXXX XXXXXXXX and U.S. Bank are attempting to seize my property. 

They have denied me the right to work out a loan, claiming that I am on the mortgage and they can foreclose, but cant speak with me about the debt. XXXX XXXX and his client, XXXX XXXX, also committed perjury in the court of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX client, withdrew a large sum of money from a XXXX XXXX joint account, which was a violation of automatic orders in XXXX, and still refused to pay his note. U.S. bank has attempted repeatedly to foreclose on me and has harassed me since XXXX They are using extortion tactics to force me to pay down someone elses debt. 

Banks frequently write off these types of loans. Why does US Bank continue to harass me? Its not my debt. 

Due to this collusion and fraud between XXXX XXXX XXXXXXXX and US Bank, my children and I are going to be homeless. 

We are begging for help!
Product: Credit reporting or other personal consumer reports

Currently violating : -The Privacy Act of 1974 ( 5 U.S. Code 552a ) -The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) -Laws Broken : Pursuant to Fair Credit Reporting Act 15 U.S. Code 1681a ( 2 ) reporting of excluded information ; 15 U.S. Code 1681b ( 2 ) furnishing consumer report under no permissible purpose ; 15 U.S. Code 1681c ( 5 ) reporting adverse information ; 15 U.S. Code 1681e ( B ) failure to follow reason procedures to assure accuracy of consumer report ; -Liability : Pursuant to Fair Credit Reporting Act 15 U.S. Code 1681n Civil liability for willful noncompliance Governing Law : This Letter of Intent shall be governed under the Fair Credit Reporting Act I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : ***TransUnion 19 accounts listed below VIOLATES Privacy Act of 1974 ( 5 U.S. Code 552a ) : XXXX 35 accounts listed below VIOLATES Privacy Act of 1974 ( 5 U.S. Code 552a ) : XXXX 42 accounts listed below VIOLATES the Privacy Act of 1974 ( 5 U.S. Code 552a ) and VIOLATES The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

See attachment of detailed transactions Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I received an alert from my FICO.. Saying that I was 30 days late on a loan that I have proof that I made a payment in XXXX. I made XXXX payments in XXXX and XXXX in XXXX of this year they claim I was late in XXXX but I dont understand how when I made a payment. So I called Affirm.. I was trying to explain to the lady at the company the situation She seemed very lost with what I was talking about. So I got off the phone with her and decided to do my own research on Affirm website.. I noticed that they wrote on a website that they report positive and negative activity to XXXX. But Im trying to understand why none of my positive was never reported I never had an account on my credit report from Affirm until today. Im so upset about this matter! I have proof of all my payments and Im trying to make this all makes sense.. they are reported the wrong balance to the credit bureau I do not owe {$500.00}. I only owe {$200.00} on this account Im two payments a way from paying this account off. so Im not understanding where all the false reporting is coming from but I would like for the company to fix this situation ASAP! I uploaded my payment history and my credit report and the article from there website! They also is spelling my name wrong.. my name is XXXX XXXX XXXX I need that fixes too! Everything is wrong!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX # XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a company I am a subscriber, represented with my current score of XXXX I could obtain a Discover Credit Card to consolidate my debt and obtain reduced payments with its issuanceXXXX XXXX XXXX  never disclosed that Discover Card would be using a Hard Review of my account, nor did Discover Card contact me to achieve my permission to do so. It short, they ran my Report, turned my request down and it showed up on my Credit Page as an Disapproval with the subsequent action of the other Two Credit Agencies lowering their scores on my credit. This all occurred without any change in my Financial Status as I have NOT missed any payments in over 275 months according to my record. I saw that the FTC was fining XXXX XXXX {$3.00} Million Dollars. I am requesting a Remuneration of a portion of those funds for my Personal Credit Damages. I would also like to suggest that the Discover Credit Card be Fined for NOT notifying and obtaining permission to run the credit of potential card users. Thanking you for your continued help and over watch on Companies who continue to take advantage of the unsuspecting. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had a due date on XX/XX/XXXX. I logged on to the American First Finance Website on that date, and it showed that my next payment was not due until XX/XX/XXXX. 

I then received a call on Monday, XX/XX/XXXX, advising me that I was past due. I advised of the issue with the website, and the representative told me that the website shows the next due date if the payment is not paid before the due date. I advised this was confusing but the representative stated this is the way the system works and can not be changed. Following this, I advised that I would make a payment on their website, and finished the call. 

The same day and within the next 7 days, American First Finance has been contacting me in violation of the FDCPA. I had some unexpected medical expenses come up and could not make the payment until this week. The company has continually called in violation of the FDCPA, as they can not call me within 7 days after speaking with me. On the first subsequent call, I advised the rep of this, and he stated that they will continue to call until the payment has been made. I have received 13 calls in violation of FDCPA, because I last spoke with a representative on XX/XX/XXXX.