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

I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any e-mail or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I keep getting automated voice calls from Professional Account Management LLC the phone number they keep calling me from is XXXX I can not get ahold of them to tell them to stop calling and I feel like im being harassed.
Product: Credit reporting or other personal consumer reports

I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting

I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR XXXX OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there XXXX of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my infoWhen I receive a tax notice from the XXXX of Virginia using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than XXXX years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year XXXX when that is n't true - this is something I 've just recently put XXXX and XXXX together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theftWhen I get a letter from XXXX XXXX XXXX agency that says my application file was accidentally opened and opened by an agency in a XXXX XXXX than mine...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX All these accounts above have violated my rights. 

15 U.S. Code 1681 section 602 A. states that I have a right to privacy.

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

15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan through  XXXX   XXXX   XXXX . I did not know that they would be sending my information to other companies that would run my credit.  XXXX   XXXX  said they had in house financing with their bank. I got a lot of hits because of it. Had I known that they were going to do that I would not have applied for a loan and figured out a better way or went to  a buy here pay here. They sent me a letter stating I need to send them verification of my address and ID to sho w who I am. They sent it on  XXXX   XXXX . I went online to check on my disputes and they had already made a decision on my dispute before I even sent out my verification info.   I am currently trying to get my finances in order to prepare to buy a house.
Product: Debt collection

There are two collection agencies trying to collect the same debt which is a violation of the fair credit reporting act also the opened date is incorrect
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being.

Equifax is governed by 15 USC 1681 and have continued to violate my rights. This company has also received action by CFPB for its fraudulent practices and misreporting of consumer information. Equifax continues to furnish this inaccurate and fraudulent information on my credit report. 

There is a fraudulent account from XXXX in the amount of $ XXXX that is misreported on my file. This account XXXX must be removed from my Credit report and Equifax held financially accountable for their false reporting of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of this debt with National credit adjusters and they have not sent it over 90+ days ago. This debt continues to get sold by different collection agencies and re-recorded. I do not believe this debt to be mine and if validation is not furnished would like this to be investigated by the credit bureaus and Federal trade commission.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account Resurgent/LVNV Funding ( Acct # XXXX ) Dear XXXX, I am writing to formally dispute inaccuracies on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve these issues, inaccurate information remains on my report. I am aware of the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against XXXX, which highlights systemic failures in ensuring the accuracy of consumer credit reports. My experience reflects similar issues, as my previous disputes have been ignored, mishandled, or unresolved, causing harm to my creditworthiness I am formally disputing the accuracy of a collection account appearing on my credit report. The account in question is listed under Resurgent/LVNV Funding LLC , with an account number XXXX, and a reported balance of {$2800.00}. 

I believe this account is inaccurate, unverifiable, or does not belong to me, and I am requesting its removal from my credit report under the Fair Credit Reporting Act ( FCRA ). Please conduct an investigation and provide written documentation verifying the validity of this debt, including : 1. The original creditors name, account number, and documentation proving the validity of the debt.

2. Proof that Resurgent/LVNV Funding has the legal authority to collect this debt.

3. A complete payment history and signed agreement demonstrating my obligation to pay. 

If XXXX is unable to verify this information within 30 days, I request that this account be removed from my credit report immediately. 

Please provide a written response confirming the results of your investigation. If this account is verified, I request that you include copies of all documentation used in your determination. 

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

I have continued to try to have Experian delete the inaccurate information that the companies are reporting. This has to be the fourth round of letters and some of the information remains unchanged. Charge offs are listed as open and carrying balances. XXXX XXXX are listed as open and I never had verification of the debts that are appearing. I downloaded a dispute software that helped me on this fourth round in three years.
Product: Vehicle loan or lease

Beginning 2021 I had a major XXXX  problem that required a major XXXX I was XXXX XXXX XXXXXXXX  for XXXX weeks was unable to work. Than in XX/XX/2021 I was able to find me a job and go back to work. In XXXX XXXX XXXX hit my household going through my children and husband and wasnt able to work cause had to XXXX I talk to the company a lot of times paying what I could but it wasnt good enough. Now they want all their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to get free annual credit report from Equifax through XXXX. I have used this process for years without issue. When asking for the report from Equifax this time, it asked for a phone number and email, which has never been necessary previously. When I click the link provided to forego this step and request by phone or mail, I get an error on their website and no information is provided. When I enter my phone numbee and email, it indicates they can't process my request and tells me to call, but they provide no phone number on the page.
Product: Debt collection

A lady called my father, my step-dad, my mother and told them they were an attorneys office and they were going to take legal action against me and persue criminal charges against me for a debt I owed to XXXX XXXX for an overdrafted closed account. I called her myself and told her not to contact me or my family ever again and to send any other communications to myself thru the mail to my address her in Texas and advised her that in texas we have different laws than where the account orginated in louisiana. This lady was exetremely rude and told me that they are based out of Texas and know the law and these laws and rights dont apply to me because the debit didnt orginatein Texas. SHe only went by XXXX XXXX and 2 others sent me an email in an attempt to close the debt. I did some digging and the account isnt even on my credit!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has incorrectly reported our mortgage loan balance as increasing to XXXX  and Equifax for two months in a row. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the XXXX XXXX page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.
Product: Debt collection

Under 15 usc 1681i 5 ( B ) a item deleted can not be re inserted back onto a credit report and the agency have to provide 5 days notice before they re insert this account with XXXX XXXX account # XXXX has been deleted off my credit report for the 5 th time and has been re inserted back and its is reporting every month legal action will be taken
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX, XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$290.00} ; XXXX XXXX  XXXX Balance : {$3100.00}
Product: Credit card or prepaid card

CitiBank Recovery, on behalf of Department Stores National Bank, has not contacted me after re-assuming control of a closed account that had previously been referred to a third-party debt collection agency. Since over 90 days has passed without contact, written or phone, from CitiRecovery, I am requesting that the debt be cancelled and any negative information to my credit report be retracted.
Product: Debt collection

I do not own this this to Sezzle I have already paid in full they told me they would take it off and have not yet after six months please help
Product: Credit reporting or other personal consumer reports

I disputed closed accounts that was paid in full that I no longer have these accounts are over 3-4 years old i disputed negative items, old home addresses, jobs collections that were paid and an charge off that's not accurate. the credit bureau are refusing to remove any of these items from my report I haven't gotten an response online any or any letters sent to my home address there's no communication between the credit bureau it's like they donr exist because they don't respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance Owed : {$740.00}
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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: Debt collection

This company XXXX XXXX has purchased a debt from XXXX/XXXX. The company sent the debt information to me and it does not have my signature and it was originated from a unknown address. I want XXXX to stop verifying the debt as mine, I am disputing this debt and they continue to verify the debt is mine, provide my signature for the debt or delete it from my profile. XXXX   credit card account ending with the number XXXX.
Product: Payday loan, title loan, or personal loan

My issue is actually about not being able to access information about my account. I would like to know the payoff amount so that I can pay the loan off, but have not received a response despite multiple communications. My loan is through XXXX XXXX, but their loan servicer is Firstmark Services On XX/XX/2021 I emailed Firstmark Services because my account was locked, I was unable to unlock it online and I was unable to get through to them by phone. I also asked to switch to paper statements since this is not the first time I have had trouble logging into my account. 

On XX/XX/2021, Firstmark sent  me an email through a secure link stating that a representative would reach out to me by phone and that I would need to allow 24-48 hours. 

On XX/XX/2021, I emailed again because I had not received a phone call from Firstmark. I again asked to be switched to paper statements and for help unlocking my account. 

On XX/XX/2021, XXXX XXXX from Firstmark sent me an email stating that they could not answer my question without further information. 

On XX/XX/2021, I replied to Firstmark with the information they requested. 

On XX/XX/2021, XXXX XXXX from Firstmark sent me an email stating that they could not answer my email without further information. 

On XX/XX/2021, I mailed a letter to Firstmark Services detailing all the steps I had taken to reach them, including copies of all of the correspondence since XX/XX/XXXX, XXXX as of today XX/XX/2021, I have still not received a response. My letter also requested a payoff amount, that my statements be changed to paper statements and that I would be filing a complaint with the Consumer Finance Bureau if I did not receive a response.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked TransUnion to send me a sign document or original contract to a item that's on my credit report for file number XXXX because i can not identify this item in the amount of {$5700.00} and they fail to do so but yet states that its accurate and did not provide me with the information that will help me identify this item as true,
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regard to the incorrect item on my credit report its been Well pass 30 days and I have not received any investigation result.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a car loan with the creditor. I was declined credit. They reported two hard inquiries on Equifax, one for XX/XX/XXXX and XX/XX/XXXX. I did not apply for two loans and there was no need for them to do two hard pulls 5 days apart. I contacted the bureaus about it and they did not investigate, they advised me that I need to contact the lender. I contacted the lender via email and called them. They responded that they would investigate. They then sent an email on another account that I hold jointly with someone else that had nothing to do with my application. I requested that they remove the additional inquiry as it is injurious to me and I did not apply for two separate loan request. As of XX/XX/XXXX they have yet to resolve this matter. And the credit bureau have not investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting information that is misleading and unverifiable. If you are going to " verify information come with proof and follow guidelines of the law. Under 15 USC 1681i ( 7 ) Method of verification I as the consumer is supposed to receive the steps they took to verify my disputes and they failed to do that.
Product: Credit reporting or other personal consumer reports

I don't know how many letters I have sent your bureau regarding my identity theft, but my concerns remain unresolved. Here I am again, disputing the fraudulent information damaging my file and expecting your immediate action this time. 
Despite sending the required FTC complaint, your bureau is still reporting these fraudulent accounts on my credit report. I have contacted the banks associated with these accounts, submitted the necessary documents, and they have immediately deleted the accounts from their records. 

Additionally, other credit bureaus have already removed these accounts after receiving the FTC complaint. I am curious about the verification method your bureau used to continue reporting these fraudulent accounts. 
The following fraudulent accounts have been listed on my credit profile : XXXX XXXXXXXX XXXX  XXXX XXXX and XXXX XXXX XXXX.