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

I am filing a complaint to report identity theft. Sometime in XX/XX/year>, I received two back to back collection letters in the mail from XXXX who is also know as XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXXXXXX. I submitted a notice to them for verification because I have never had any business with this company. My notice asked for specific pieces of documentation to validate the debt. I received a letter dated XX/XX/XXXX, that completed disregard the 8 items I requested to validate the debt. Instead, I received an alert that this same company reported the account on my credit report. For one they never validated the debt as requested. Two, I never did any business or signed any agreements with them. Third, I checked and they are not licensed to do business in my state. Last, how did they get access to my personal information to file this alleged account on my credit report. I am requesting that this account be immediately deleted from my credit report. If they can not send me the requested documents, I demand they cease and desist immediately. I have attached all the documentation as my proof to ask for proof of their claim to collect on the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account opened in my name due to identity theft. I contacted XXXX XXXX to dispute this account and provided police reports to validate that this is not my account. The company refuses to properly investigate the matter and remove this item from my profile. I also contacted Equifax to dispute this account as fraud and they are not properly investigating either. I need Equifax to properly investigate this matter and pull the records of this account so that they can see it was disputed with a valid police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

How can previous Complaint # XXXX on Experian be labeled by Experian as This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. when Experian has yet to send valid permissible permission used to send my credit report on XX/XX/2017 to XXXX XXXX XXXX XXXX or has yet to give any explanation? Illegally accessing my credit report led to a forged and fraud loan in my name.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have three late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Please see the attached letter. I have tried to handle this issue with Experian, but Experian refuses to complete a fair and accurate credit report. 
I have attached my license and ssc as proof of identity.
Product: Credit reporting

There are discrepancies on my credit report. There are open loans and credit cards that I didnt apply for. Im also having issues getting loans and credit cards. I recently applied for a credit card and a personal loan from XXXX but it wasnt approved. This happened about a week and a half ago. I want to be able to get a loan and a credit card. I want the discrepancies removed from my credit report.
Product: Mortgage

Per XXXX XXXX and Nationstar ( attached affidavit total of claim ( s ) total of claims paid ) {$28000.00}. 
Currently the mortgage company states I owe XXXX XXXX but if we take the {$28000.00} above and per attached and add the missed payments since they would not allow me to make a month payment. 
That sum will not equal anything close to $ XXXX needed to reinstate my loan.
Product: Credit reporting or other personal consumer reports

I have one discover card account. discover is reporting this account to XXXX twice as XXXX different tradeline, XXXX different balance, XXXX different minimum monthly payment, with XXXX different credit utilization that has caused my score to drop significantly while I'm trying to obtain mortgage. 

I reached out to XXXX they said it is an error on the part of the creditor ( Discover Card ) reached out to Discover Card they said they refused to delete the item with effecting bureaus. 
Discover card said they need XXXX days to rectify the issue however I'm under contract for a house purchase and unfortunately, I do not have XXXX days Credit score drop may result in mortgage denial or higher interest rates. 
I am a helpless consumer victimized by creditor and credit bureaus. seeking help from regulatory authority
Product: Credit reporting or other personal consumer reports

I have attempted to dispute a debt on my report regarding a student loan that was rehabilitated, but Equifax 's site does not allow me to file a dispute due to technical issues. I am also unable to contact anyone over the phone despite my best efforts. XXXX XXXX. I have a letter from the department of education stating that my debt is to be removed from my report. 

XXXX Also closed a dispute without taking action as instructed by the department of education. I need these reports updated on my account to reflect the work I have put into rehabilitating my debts XXXX also has not allowed me to submit a dispute through their portal online. I would like to dispute the same loan through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), 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 creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

XXXX XXXX, CA XXXX, XXXX OF XXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, XXXX OF XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$5700.00}, XXXX OF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5600.00}, XXXX OF XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$3600.00}, XXXX OF XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}, XXXX OF XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1400.00}, and XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}.
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. 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. 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. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I strongly disagree with the response provided in your investigation. Despite your investigation, the following incorrect items remain on my credit report. I request an immediate reinvestigation of these items for valid reasons, as they are significantly damaging to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. Please explain how you verified this account to remain on my report when it is reporting a BALANCE on a COLLECTION account. 
XXXX XXXX XXXX Account Number : XXXX If unable to explain how you're reporting a balance on a collection then please DELETE immediately. 

XXXX. Please explain how you verified this account to remain on my report when it is reporting a PAST DUE amount on a CLOSED and CHARGED OFF account. 
XXXX XXXX Account Number : XXXX If you can not explain how you verified this account when it is reporting a past due amount on a closed and charged off account then please DELETE immediately. 

XXXX. Please explain how you verified this account to remain on my report when it is reporting a PAST DUE amount on a CLOSED and CHARGED OFF account. 
XXXX XXXXXXXX Account Number : XXXX If you can not explain how you verified this account when it is reporting a past due amount on a closed and charged off account then please DELETE immediately. 

XXXX. Please explain how you verified this account to remain on my report when it is reporting a PAST DUE amount on a CLOSED and CHARGED OFF account. 
XXXX XXXX XXXX Account Number : XXXX If you can not explain how you verified this account when it is reporting a past due amount on a closed and charged off account then please DELETE immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/2022 to XXXX/and XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, 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 in accordance with paragraph ( 5 ) 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

ARS National Services has contacted me at my professional consulting line refusing to share any information unless I admit ownership of a debt that is not on any credit report. 

I was the victim of several identity thefts over XXXX years ago from XXXX and XXXX XXXX having dealt with each individually and years later I am now barraged by phone calls from this organization in excess- sometimes XXXX calls a day.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX this inquiry is not mine please remove it from my report
Product: Mortgage

Hi, My mortgage company Mr Cooper failed to pay my hazard insurance since XX/XX/XXXX, the policy 1 year is {$5100.00} but the post in the system had been paid and active. 

I called 3 times and they said had been paid XX/XX/XXXX. 

I called XXXX XXXX XXXX today XXXX phone # XXXX and they said the policy had not paid, and expired in XXXXthey also said the mortgage company can pay over the phone too. 

I ask my agent to ask the insurance keeping active and paid 1 month cost. 

I called Mr cooper the mortgage today, XXXX they hang up on me. 
It looks like they didnt pay but post in system as paid. 
Please help me to solve the problems. 
Thank you so much.
Product: Money transfer, virtual currency, or money service

Despite using zelle numerous times and reporting problems, my financial institution and zelle failed to investigate my claims. The informed me that there was nothing they could do about lost funds.
Product: Debt collection

Company says I owe them but can not provide original documentation with my wet signature containing my agreeance to services. I personally have not been to the XXXX  since XXXX under my mothers insurance. 

This must have been from my ongoing ID Theft. I will update the FTC
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX  with an account number of XXXX This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. 

I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So, if thats the case ; how did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

The account below is paid off. 
XXXX XXXX Last reported : XXXX XXXX, XXXX {$51000.00} Good Overview You 've paid off 1 % of the original amount. 
Balance {$51000.00} Highest Balance {$52000.00} Monthly payment {$1000.00} Opened XXXX XXXX, XXXX ( 2 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type Automobile Responsibility Individual Remarks -- Times XXXX/XXXX/XXXX days late 0/0/0
Product: Credit reporting or other personal consumer reports

The following accounts on my credit report are not mine : XXXX. XXXX XXXXXXXX XXXX {$800.00} XXXX. XXXX XXXX XXXX XXXX$420.00} XXXX. XXXX XXXX XXXX XXXX {$260.00} XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX. XXXX XXXX {$750.00} XXXX. XXXX {$990.00} I have reported them to Federal Trade commission identity theft report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, 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. 
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, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I was checking my credit reports and found some innacurate hard inquiries that belong. This may be a result of my identity being stolen. XXXX XXXX XXXX XXXX has conducted a hard inquiry on my TransUnion and XXXX credit reports on XX/XX/XXXX. XXXX XXXX has also conducted a hard inquiry on my XXXX credit report on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD ACCOUNT. DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT BY LAW. 

XXXX XXXX XXXX XXXX  XXXX IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. 

ACCOUNT BALANCE IS {$7500.00} AND I NEVER KNOW ANYTHING ABOUT THIS CARD.
Product: Money transfer, virtual currency, or money service

About XXXX months ago, I logged into my PayPal account to find it permanently closed down by the company. They said I somehow violated their policies. I tried calling their customer service line but never was able to reach an actual person. I finally contacted them through the website, but did not receive a response for a long time. When I did finally receive a response, I was told they reserve the right to close any account at any time and do not need to tell me what policies I violated. And that decision is final. I have screenshots of this message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an incorrect account : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXXXXXX XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed.
Product: Consumer Loan

Attorney Javitch Block, LLC, XXXX XXXX XXXX, XXXX XXXX., XXXX , XXXX, XXXX, XXXX, ext. XXXX, purchased my loan ( from the attorney who took the case to court ), the lender, XXXX XXXX got a verdict on it a few years back. Attorney Javitch Block got ownership of the loan when the Certification of Service was signed by a judge in the State of XXXX Circuit Court in XXXX 2015. I received a copy of that Certification from the court by mail. That is the only way that I knew of the transfer. I was making payments on the loan when ownership was transferred and I am still making payments. Atty. XXXX has not contacted me. I have contacted his office on numerous occasions to inquire of what my balance is so that I can determine if it is correct. They tell me that they do n't have my balance because they have not received it from the attorney whom they bought it from and can not tell me when they will have that information. What they have told me, to include managers XXXX XXXX and XXXX XXXX is that they received numerous cases from that attorney and do n't know when they will get the balance and payment information on my case from them. XXXX did divulge the fact to me that they are not allowed by law to contact me in writing until they have a balance to include in the contact letter. XXXX did assure me the last time that we spoke ( XXXX XXXX ) that he would send an XXXX XXXX XXXX to the attorney. He also told me that since they have had the case no interest or fees are accruing on my account. PLEASE CONTACT ATTORNEY XXXX XXXX AND ASK HIM TO SEND ME IMMEDIATELY THE BALANCE AND PAYMENT HISTORY ON MY CASE/ACCOUNT. Surely, there is a time span in which they must provide that information to the debtor once they have acquired the case according to a court preceding. Please inform me of what that time span is. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and hoping that this XXXX XXXXXXXX Late payment will be removed and corrected. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$650.00}