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

XXXX ( Report # XXXX Case # XXXX ) refuse to remove inaccurate information from my credit file such as the wrong name 14 different address 's that does not belong to me. they are also reporting a public record that is inaccurate and can't be verified. I have contacted XXXX and disputed the inaccurate information. XXXX responded with a written letter saying that they verified the information with XXXX and it was accurate, however the name that they are reporting is not my name nor did I reside at the address 's on my consumer file. XXXX XXXX XXXX is not my name XXXX is not the last four digits of my Social Security Number. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information such as the wrong Name, Social Security Number, and! 4 different address 's i never resided at. I have contacted XXXX and filled disputes on the Identity mix up. They responded saying the information was verified and accurate, but it's not the name my parents gave me nor is it my Social Security Number That was assign to me. XXXX XXXX XXXX is not my name and XXXX is nit the last 4 digits of my Social Security Number. 

Equifax ( Report # XXXX ) Refuse to delete inaccurate information from my credit report such as Public Records that they refuse to verify. I have disputed the information and they responded in a written letter saying that the information was verified through XXXX and it was accurate. They also have 14 different address 's on my credit file that has nothing to do with me. I filled a dispute letting Equifax know that it was Identity theft that occurred between XXXX I received a written notice saying the information was verified and accurate. They have used their power to report misinformation on my credit file. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information on my credit file. They are reporting debts from XXXX XXXX that was verified as inaccurate and removed by Equifax, XXXX stats that the debts were verified as accurate. They are also reporting a Public Record on my credit file that they refuse to verify, and give me the information they did verify. XXXX has 14 different address 's on my credit file that they claim are verified as accurate, I have never lived at the address 's and sent proof to all Credit Reporting Agencies.
Product: Debt collection

I owe a debt XXXX to XXXX dispute its. Muilt times left on my credit report. I received no evidence of my obligation to pay this so called debt to this collection agency. This debt does not belong to me, and I am concerned about possible identity theft or fraud. The FCRA requires you to verify the validity of this within XXXX  days. If the validity can not be confirmed, you are obligate by law to remove it from my credit file
Product: Credit reporting or other personal consumer reports

To Whom It May Concern,.

I completely disagree with the outcome of your investigation. Even after your examination, my credit report still shows the inaccurate things indicated below. For good cause, I would like these items to be looked into again right now. My credit score is severely harmed by these errors.

Additionally, in compliance with Public Law 91-506, Title VI, Section 611, Subsections A-D, and The Fair Credit Reporting Act, I require you to furnish tangible evidence of the information 's verification rather than a computer-generated affirmation.

I appreciate your time and assistance with this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted TransUnion several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Debt collection

This is my third attempt to remove a debt collection reported on my TransUnion credit report. The debt does not belong to me. Documents show the person lives in another state, has a different birthday, as well as a different social security number than mine. Furthermore, I have never banked or used the services from the listed company. 

Reported by TransUnion ( last compliant filed on XX/XX/XXXX ) Debt company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX Again, I am requesting for a brief statement of this dispute, to re-investigate the records, and for the debt to be removed completely from all my credit reports and any other documents which may include this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this XXXX XXXX XX/XX/XXXX Banco Popular XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

My mortgage requires online payments without assessing a fee. I can not set up autopayments or adjust the payment date online resulting in me missing payments due to lack of attention. I have been trying to set up autopay since XXXX of XXXX but can not. Ive been told that I'm using the wrong browser, the name is wrong on the account, plus other more mystifying scenarios. I was told on XXXX that I can not access the account, even though I am one of the account holders, because their online system will only allow two names on the account and our family trust is the primary and my husband is the secondary. I feel it's illegal to deny me access to my account as I am liable for the debt. I can not access my account any other way as paperless was part of the contract. 

The bank did say that my husband and I can change who is secondary but that leaves my husband unable to manage the account if I die or become incapacitated in any way. Besides the fact that we have to absorb the notary cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report i was shocked to learn i have been a victim of idenity theft. Ive found numerous accounts on my credit report that were not opened by me, This has been hurting as i am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Mortgage

I gave Quicken Loans Good Faith Money in the amount of {$500.00}. I continued to shop my loan and received a better GFE from XXXX XXXX, I gave Quicken the chance to match the GFE and they could not. Since the Good Faith money is 100 % refundable I requested a refund. Quicken loans says they cant return my deposit.
Product: Credit card

On XX/XX/XXXX I ordered jeans and white shirts from XXXX XXXX with a total of {$320.00} and it says it was delivered but when I check my camera footage no package came and when they sent a picture of the porch it was deliver it wasnt my porch I put the order number in the picture below
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 and previously, letter to Experian and XXXX was mailed. I informed them that I had previously disputed Chapter XXXX XXXX, and in response each bureau verified the item as accurate, stating they have verified the information with the court and XXXX. I have contacted both court and XXXX and their response is enclosed.
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft i ve been serving my country and XXXX XXXX XXXX XXXX XXXX XXXXor XXXX years and come back home and find a bunch of accounts on my credit report that i have no idea what it is and this is illegal i was never contacted or notified and mailed or emailed and i contacted these banks and asked for contracts and signatures to know who did this to press charges on somebody and no one responded or cared and this is illegal and as of 15 U.S CODE 1692g Validation of debts they should've notified me or mailed me called me but nothing like my life is nothing i have kids 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. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please remove these fraudulent accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and these inquiries XXXXXXXX XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

Recently, I XXXX XXXX was denied an extension of credit by Capital One in XXXX of 2022 I submitted a credit limit increase, I applied for Credit As you XXXX be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Captial One Bank has violated my federally protected consumer rights : 1. 15 U.S Code 1642- No credit card shall be issued except in response to a request or application, therefore. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card.

2. 15 U.S Code 1681M 3. 12 CFR 1002- A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered 4. 15 U.S. Code 1691-It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. 

Since the letter, you sent me dated XX/XX/2022 account ending in XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. Capital One should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

I came across the XXXX XXXX lawsuit. I was negatively impacted, hurting my chances at a credit offer. I received a response to my earlier dispute that the accounts were verified. Come with the receipts or be quick to delete. Please delete these accounts from my credit report as soon as possible
Product: Vehicle loan or lease

Paid a repossession fee and all payments required on XX/XX/XXXX in the amount of XXXX my payments were reversed an reapplied in XXXXXXXX XXXX XXXXXXXX stating only a {$1700.00} payment had been made, the transactions had been reversed multiple times increasing my car loan back, additional charges were added. When a repossession occurs, you must pay everything owed prior to releasing your vehicle. Improper due dates on statements and amount owed for XXXX. Additional fees being charged disguised as additional- but no record of fees on bill- overcharging throughout entire loan. XXXX XXXX XXXX. Refuses to allow me to speak with management, employees have seen and acknowledged these errors but refuse to provide resolutions just keep charging more money to my account. They also are no longer showing statement history or transactions prior to XXXX XXXX. Consistent incorrect charges after overpaying original car note amount due for 6 months.
Product: Debt collection

Please see original complaint, I mentioned FOUR companies. I only received a reply from you regarding XXXX XXXX XXXX 

HOWEVER, I mentioned others : ** XXXX XXXX XXXX XXXX ** IC SYSTEM
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. Please remove these reports, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters since XXXX of 2020 to all three bureaus. These letters included proof that it was me who sent them, it included disputes I had for items i did not recognize or felt were not reporting accurately. I know from research that the Bureaus have 30 days to investigate then 15 days to respond, I have given plenty of time and chances for them to respond but they have not been providing me with responses. I have seen very minimal changes, if that and I am very disappointed that I have to pay for an online monitoring service to see if they have even made changes because they have failed to send me even a letter requesting more time or confirmation that received my letters. I even paid extra to send some of the letters certified because I wanted to ensure they were receiving them.
Product: Credit reporting or other personal consumer reports

My Federal Student was discharged because I had 120 PSLF qualified payments on XX/XX/XXXX. 
In XX/XX/XXXX, the loan reappeared on my credit. 
Can you help me get XXXX to remove it? They don't think I am their customer anymore becuase they have changed hands and my account was discharged and closed.

I only can get info from US Dept of Ed
Product: Credit reporting 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. 

Account name : XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. 
Account name XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX XXXX XXXXXXXX Account number XXXX, has violated my rights. 

Account name XXXXXXXX XXXX XXXX Account number XXXX XXXX has violated my rights. 

XXXX Account number 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 was never invoiced in XXXX & XXXX by XXXX XXXX XXXX XXXX for ( 4 ) small outstanding amounts. Then, 4 collection accounts listed by Transworld Systems ( TSIXXXX ) under account numbers XXXX for {$100.00} ; XXXX for {$97.00} ; XXXX for {$100.00} and XXXX also for {$100.00}. When the collection reporting from Transworld listed against me and discovered by XXXX XXXX, I immediately resolved the debt by paying off with Transworld back in XXXX. I then tried to obtain deletion directly from Transworld and they refused. I then disputed with XXXX, XXXX and XXXX and XXXX deleted one account ONLY, namely # XXXX for {$100.00} refusing to remove the other 3. Additionally, the credit bureaus jointly have agreed to delete all MEDICAL COLLECTIONS in XXXX with balances under {$500.00} and paid in full. All ( 4 ) accounts above are under {$500.00} and were paid in full. Sadly, someone or somebody at XXXX and/or Transworld are having a good laugh at not removing the remaining 3 accounts. In principle, these remaining Transworld accounts should be deleted by XXXX so I can obtain credit score lift. In fact, the 4 medical collections from XXXX  never should have reached Transworld for adverse listing against me. XXXX XXXX
Product: Student loan

XXXX XXXX is in charge of my private loans. I am back in school after a period of not being in school ( at which point I was paying a forbearance fee ). Therefore I am eligible for an in school deferment, my deferment will kick in as soon as my school, XXXX in XXXX, Maryland sends the deferment form to XXXX XXXX, however they wait a certain time period before the send it in ( perhaps to ensure the student stays in school over a certain time period? ). Anyways, XXXX XXXX is calling me 3-4 times a day even though I have told them this two or three times. They are also calling my mother three times a day, I consider this highly inappropriate and harassment at this point because we have always paid ( interest, forbearance, etc ).
Product: Debt collection

This debt was paid in full XXXX XXXX 2022 directly to the health care provider. On around XX/XX/XXXX I received a letter from Americollect about this debt. I called and informed them it had been paid in full. I have not received any more letters or phone calls about this account, but now 2 months later they have added a debt to my credit report.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Experian / XXXX XXXX XXXX XXXX XXXX, TX XXXX To Experian Dispute Department DELETE XXXX XXXX XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. XXXX is reporting XXXX as the account number. Experian is reporting XXXX as the account number. However XXXX is reporting XXXX. These account numbers are inconsistent. 2.  In the Last Payment section of this listing. XXXX and Experian is reporting XX/XX/XXXX for last payment made. However, XXXX is reporting XX/XX/XXXX as the last payment date made. These dates are inconsistent. 3. In the Date Opened section of this listing. Experian and XXXX is reporting XX/XX/XXXX for date the account was opened. However XXXX is reporting XX/XX/XXXX. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX
Product: Debt collection

The company has completely ignored my demands for validation of the alleged debt they claim belongs to me and has instead sent me a paper instructing me to file a fraud claim with the original company when I sent a certified letter asking for validation of their claims. This company continues to report this alleged debt to the major credit reporting agencies, damaging my credit report, even after I directly disputed the ownership. I am now forced to pay more money to file a civil lawsuit in my local federal court for damages and direct violation. This company has repeatedly violated my consumer rights and ignored federal law costing me loss opportunities, time and money.