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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX - {$85.00} XXXX XXXX XXXXXX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
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 : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

My personal information was breached in both the FASFA breach and now the Equifax breach. I have disputed three credit cards that are unknown on my account that were not mine, 2 cell phone carrier accounts that are not mine, and also disputed inaccurate late student loan payments that you can clearly see I was a student while the payments were marked late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, North Carolina XXXX Phone : ( XXXX ) XXXX XX/XX/2023 To Whom It May Concern, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. I have no supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

The amount ( s ) owed are no longer outstanding for the following items : Name of the Account : XXXX XXXX  Account number as is presented : XXXX Amount : {$790.00} Name of the Account : XXXX XXXX Account number as is presented : XXXX Amount : {$530.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$82.00} Name of the Account : NC STATE EMPLOYEES C Account number as is presented : XXXX Amount : {$1000.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$790.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$300.00} I am disputing this claim due to whom this may concern, I am writing to dispute my recent credit report. I am not sure how my personal information ended up on the report, but I do not recognize any of the information listed. I have never done anything illegal, and I am not in any financial trouble. 

I request that you remove my personal information from the report and update it to reflect my current information. I would also like to be notified of any changes to my credit score because of this dispute. 


This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

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

I had noticed that someone had been using my informatin without my approval. 
Here are the list 1.Discover Creditcard XX/XX/2018 2.XXXX Card XX/XX/2018 3.XXXX XXXX XX/XX/2018 4.XXXX XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have requested that both the credit reporting agencies and the debt collection company ( Professional Debt Mediation ) investigate a collection account that is on my credit. As of XX/XX/2021 the item in question remains. PDM has provided me with a document from the original account which after careful review, I found that my signature does NOT match that of what's on the document. I have informed PDM that this account does NOT belong to me nor have I ever been associated with the business in question. The account in question was opened without my consent. As of XX/XX/2021 PDM has noted the collection as " Consumer disputes this account information '' this does not resolve the matter nor does it comply with my request. Account Information being reported is as follows : Acct # XXXX Original Creditor : XXXX XXXX XXXX
Product: Debt collection

I paid XXXX in XX/XX/2018 {$240.00}. XXXX accepted payment, then I received a collection notice from Professional Credit and promptly advised them this was already paid. Now I am in contract on a home, and being denied a home loan due to this collection. I have made several requests to Professional Credit to show this as paid and remove the item from my credit with no action on their part to resolve this.
Product: Debt collection

I received a medical bill for {$650.00} from creditor XXXX XXXX XXXX XXXX In which I paid in full XX/XX/XXXX. Several months had passed, the check cleared my bank account. In XX/XX/XXXX, I noticed my credit score significantly decreased due to a collection account with Kansas Counselors collection company. I contacted them. They stated they had received my copy of the check and had sent it to XXXX XXXX XXXX XXXX and it took over a month for a response that the debt was still outstanding. I then disputed the false report with XXXX as well as XXXX credit bureaus and both claims were denied. XXXX XXXX XXXX XXXX still claims the debt is outstanding and will not remove it from my credit report. I have submitted a copy of the front and back of the check over 4 different times to them, the collection agency, as well as the credit bureau. The money was taken from my account. I can not get this resolved.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Debt collection

I was not ever contacted or notified in any way by this debt collections company. 
I all of the sudden saw a huge drop to my credit score, which I work very hard to upkeep. 

I have no letters or voicemails of information on this debt in collections except the little information I found on XXXX XXXX. 

No one will answer the phone at their company and there is no way for me to access their online assistance without a reference number which I obviously do not have since IVE NEVER BEEN CONTACTED BY THEM.
Product: Debt collection

CHOICE RECOVERY needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that CHOICE RECOVERY Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the deb collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Product: Debt collection

Credence sent a text message to my mothers phone stating what bill they were trying to collect and the amount along with other info. This information is supposed to be private and is illegal to share with someone other than me.
Product: Credit card

I had tried to buy a gift card on XX/XX/year> at XXXX XXXX in the amount of {$1500.00}. I was charged for this purchase by the merchant but had never received any funds to the card and the card was never activated. I haven't received any product from this merchant that I was supposed to get. After trying to have the merchant resolve this, on XX/XX/year> I disputed this with the credit card company about never receiving any product that I had paid for and didnt get. The credit card company claims the merchant responded and gave me the gift cards, except there is no funds added to the gift card and the merchant took my money without giving me what I had purchased. No product Received. I have also submitted a receipt that shows it was not approved yet I was charged for this anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what i have found on my credit report that is not mine. 
XXXX XX/XX/2022 {$6100.00} XXXX XXXX XX/XX/2022 {$6100.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$320.00} XXXX XXXX XX/XX/2022. {$320.00} XXXX XXXX XX/XX/2022. {$4500.00} XXXX  XX/XX/2022 {$650.00}
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. The referenced addresses, do not belong to me and are non-mailable addresses. I am unable to receive mail at these addresses. I only have one certified mailable address that belongs to me, and that I may receive mail to. The certified-mailable address that belongs to me is : Certified Mailable Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Received a yearly analyst report from the mortgage company telling telling me that the reason my house came went up almost {$50.00} was because my escrow was short and they wanted {$520.00} but that would only XXXX take the payment down {$9.00} there's so they didn't explain to me how they came up with the near {$50.00} increase on my house payment so when I received the new payment which would have been the XXXX payment my escrow was not short I have money in my My escrow was to start out after the analyst report at {$530.00} so then they wanted {$520.00} then like I said only lowering at {$9.00} a month would have put over a {$1000.00} into my escrow account before the year even started I do believe there's a little problem here I almost feel like it's a scam or fraudulent I'm on a fixed interest rate and alone principle is going down so why is the payment going up I need someone to explain this logically to a person who's not a banker number one I want to understand why every year this payment goes up XXXX XXXX XXXX {$50.00} every year when my interest doesn't change but my principal goes down and then they told me that they took it over XXXX months or XXXX XXXX thing to come up with this price I want to understand what they're doing because I feel there's fraudulent stuff going on here
Product: Debt collection

XXXX XXXX XXXX contacted my employer today. I called them to see who they were and why. I spoke to a girl named XXXX who then transferred my call over to a male named XXXX. XXXX proceeded to tell me how if I dont pay they are going to contact the attorney general in my area and take legal action. I tried to explain to him that the debt was not mine. The dentist wrongfully billed for work never done. He started to scream at me on thue phone stating regardless if the work was done or not I still owed the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, there appear to be some inconsistencies on this credit report. Specifically, there are some discrepancies regarding the account type detail and the credit limit. Additionally, the account status is listed as derogatory, which conflicts with the fact that the balance is {$0.00} and the monthly payment is {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account type detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. Similarly, the fact that the credit limit is listed as {$200.00} on two reports and {$0.00} on one report also violates this section, as it presents conflicting information that could negatively impact the consumer 's credit score.

Finally, the fact that the account status is listed as derogatory, despite the fact that there is no balance and no monthly payment, also violates FCRA Section 607 ( b ), as it can lead to an inaccurate representation of the consumer 's creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  / XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting or other personal consumer reports

I have called and spoke to numerous reps at XXXX since XXXX XXXX. I've been repeatedly told they would close and remove the authorized user account from my credit. They also confirmed they spoke to the card holder who also requested I be removed from the account. They removed it from XXXX and XXXX but it still reflects on Trans Union thereby affecting my credit score due to them reporting her limit on it, and stating I have XXXX open revolving credit accounts which I don't, I have XXXX. I have requested they remove her XXXX, UT address from my credit too. The card holder asked them at the beginning of XXXX to do this, they told me when I called it would be handled, then another person told me they refused to remove it, another call said they would remove it this time! 3 months later I'm having to dispute the same problem, their failure to remove the authorized account from my credit and stop reporting I have an account with them that I don't. I don't know if they're confused or what the situation is but this is not my account, I want it removed from my credit ASAP as the card holder, and I have requested numerous times. If it is still on my credit when I run my report on XX/XX/XXXX, I will proceed with suing them and refuse to settle! I'm tired of them lying about the dispute, yet doing nothing to resolve it. I have not spoken to the card holder since, when I do I will let her know she needs to get on top of this. However I don't think I will hear from her. She's not very good at keeping in touch. I've been fighting this on my own since XXXX with no follow up from the card holder or XXXX XXXX I'm sick of this account affecting my FICO and am willing to sue!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. The consumer reporting bureau XXXX, Experian, XXXX and the Domestic relations secretary of XXXX pa XXXX at XXXX XXXX XXXX are boldly violating my writes to privacy and are reporting inaccurate information on my consumer report. I never gave any of these companies written instructions. In 15 U.S.C 1681 section 602 A. States 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 sent in various letters stating the law and why it is illegal for unauthorized accounts that were furnished on my report without my consent needed to be removed. The reporting agencies have not removed these accounts that have been illegally furnished on my account. I sent in notarized affidavits along with my FTC reports and other documents I will upload here. These documents were sent to Experian, XXXX, and XXXX. The accounts are still on my consumer report and I am going to take my documentation to the courts and sue for every violation that is on my consumer report. 

I would like to state that Experian, XXXX, and XXXX are in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave written consent to report anything on my consumer report. No consent is identity theft. The items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow Experian, XXXX and XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If Experian, XXXX and XXXX wants to continue doing business with me they should delete the unauthorized items from my consumer report.
Product: Debt collection

Credit Resurgance said I opened an XXXX account in XX/XX/2021 and I havd never owned XXXX for about 10 years so how can it be possible to verify this debt to prove that I owe nothing