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

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$24000.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This entry is incorrect and does not align with the Fair Credit Reporting Act ( FCRA ) guidelines. I request that you investigate this matter and delete the disputed item from my credit file. 

Account in Dispute : Creditor Name : MoneyLion Inc . 
Account Number : [ Insert Account Number ] Reason for Dispute : The reporting of this account differs significantly between your report and another bureaus report. Specifically : XXXX : Reports late payments ( 90 and 60 days past due ) and delinquency. 
XXXX : Indicates only one late payment ( 30 days ) and that the account is paid and closed.

The inconsistencies demonstrate that the information being reported is inaccurate. Under Section 611 of the FCRA, consumers have the right to dispute incomplete or inaccurate information. 

Please find enclosed copies of the following documents to assist with your investigation : A copy of my credit report from XXXX showing the inaccurate item. 
A copy of my credit report from XXXX with conflicting information. 

I request that you conduct a thorough investigation and provide me with a written confirmation of your findings., I kindly request its deletion from my report. 

Thank you for your time and attention. I look forward to your response within 30 days, as required by the FCRA.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I sent a secured message on their website for a copy of the 1099 C as it was charged off. The rep responded via email that the debt was charged off to a collection agency. I responded that the charge off went to the IRS and the collection bought the debt. I needed my 1099 C for my taxes to be accurate. I received no further responses. 

I pulled my credit report several times in XXXX and XXXX and was thus waiting on the 1099 C but checked my mail yesterday and noticed the collection company information rather than the 1099C I expected.
Product: Student loan

I signed for a loan, signing my mother 's name ( XXXX XXXX ) as a co-signer. I informed Navient that my mother never new of the loan. My mother saw XXXX accounts for Navient listed on her credit reports twice. She was extremely upset and I did admit it was XXXX loan not XXXX and I informed her it was for a third less than the amount in which she indicated. They have XXXX account as XXXX for the amount of {$63000.00} and account number XXXX for the amount of {$71000.00}. I do not know why they have the loan listed twice, it was only XXXX loan and it was no where near the amounts they have listed. She contacted the company several times and informed them that they had a mistake on her credit reports, they indicated she co-signed with me, She informed them she did not, she never knew anything about a loan, which I confirmed that is the truth. They are aware as she has also filed complaints and they still want to hold her liable for a loan she never authorized. She contacted me in which I apologized, during that time my father and brother were battling XXXX and I did not want to ask, but I did not have any right to sign her name. She informed me that I better contact them because she could not be held liable. I finally notified them over a year ago that she was n't the party who signed for the XXXX loan and informing them that my mother knew nothing of the loan and is n't responsible. They still have not removed these accounts from her credit reports. They have overcharged and imposed excessive fees and added an additional account that I never had.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have  XXXX  items on my credit profile that is inaccurate and I have disputed this 7 times and each time the credit bureau says that they have validated and verified that the items are accurate but I know that they are not because  XXXX  of the items is the same creditor with different amounts due and they just updated my credit profile on  XXXX / XXXX / XXXX  adding an additional {$7800.00} owed when this account is over  7 years old. T he last dispute was done  XXXX   XXXX .  (  Experian &  XXXX  ) are the credit bureaus that is still reporting this item *Twice* The other item that  I had disputed was in litigation and should have been resolved due to an consumer complaint I had filed against the company and to no avail has this been verified or validated, just another case of the credit bureau saying that it is valid without further investigation. The amount is inaccurate because this item should have been removed due to the litigation. I have been disputing this item since  XXXX  and the last dispute was done  XXXX   XXXX   ( Experian &  XXXX  )  are the credit bureaus that is still reporting this item.      The final item is another case through   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   and a vehicle that was sold to me was sold as a vehicle that had passed emissions and to later find out that the vehicle could have caused a fire and put my life in jeopardy, which I filed another consumer complaint with the   XXXX   XXXX   XXXX   XXXX   XXXX    and their emissions department. I had an i ndependent Arizon a State  official emissions officer inspect the vehicle and had not seen any prior emissions records that was done prior to selling me the vehicle which I have submitted documents to Experian who is reporting this item to verify and to no avail I was unsuccessful in the validation/verification of any findings. I h ave been disputing this item since  XXXX  and each time I try to resend the information for verification their response is that the item is valid. The last dispute was done  XXXX   XXXX . The down payment was refunded  XXXX   XXXX  in the amount of {$1000.00} after disputing the problems with the government agencies.
Product: Debt collection

To Whom this may concern, While reviewing my credit report on ( XX/XX/20 ), I noticed an incorrect and fraudulent collection account from ( Enhanced Recovery ). I do not have an account with Enhanced Recovery and do not agree to debt. I have no knowledge of this account nor have I done any business with this company. I do not have a signed and dated agreement from ( Enhanced Recovery ) I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor XXXX XXXX I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX ( I'm that girl tried to cash app me XXXX $ CASH APP stopped my payment. And the XXXX should have went back into her account but it didn't. Cash app want show me proof of this and I still have not gotten my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer as defined under the FCRA. XXXX XXXX, XXXX, Equifax, and XXXX are financial institutions as defined under 15 USC 6827. None of these companies ever provided me with the adequate disclosures required by law of my rights to privacy and to opt out of sharing my non public information ( Non public information is .Any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; C any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or C any information you get about an individual in connection with providing a -5- financial product or service ( for example, information from court records or from a consumer report ). It is their duty to give me these disclosures clearly and conspicuously in accordance with federal law. In the case FTC XXXX XXXX XXXX further proves the above entities are financial institutions and are to comply with the disclosure requirements under XXXX. The case further stated ; The GLBA restricts the ability of a " financial institution '' to disclose XXXX to a nonaffiliated third party by requiring ( subject to certain exceptions not pertinent here ) that the financial institution provide the consumer with notice of the institution 's disclosure policies and the opportunity for the consumer to " opt out '' of disclosure. Id. 6802 ( a ) - ( b ), ( XXXX ). The XXXX further mandates that an unaffiliated third party recipient of XXXX " shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. '' Id. 6802 ( c ). 
AS STATED BEFORE I HAVE NEVER RECEIVED THESE DISCLOSURES OF MY RIGHTS TO PRIVACY AND TO OPT OUT. THESE COMPANIES ARE EXTORTING AND COERCING COMSUMERS TO PAY ALLEGED DEBTS AND HARMING THEIR REPUTATION. 
Lastly, I spoke to several reps at XXXX today who claim they do not have to comply with that law, and for me to contact XXXX to get the information removed. When I called XXXX they told me to call the CRA to get it removed because they can not. They are all in cahoots to deceive consumers as they have been doing for decades. 

See the attached cease and desist to remove my information. Immediately upon receipt.
Product: Debt collection

Genesis Credit Management Representing ( XXXX XXXX XXXXXXXX XXXX, original creditor ). 
Open Date - XX/XX/XXXX. 
Collection Amount {$8700.00} This is Fraudulent Charge/Account. 
I Have Never Lived At This Property.
Product: Credit reporting or other personal consumer reports

I filled a dispute on XXXX, XXXX & XXXX that starts with XXXX due to Federal Law 15 U.S Code 6802, no financial institution can share my non public information with a third party entity. Given the severity of this breach and the resulting compromise, I requested they immediately cancel and discharge this debt as I have no federal obligation to this debt. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! XXXX has not attempted to remove, nor correct any information. Given the severity of this breach and the resulting compromise, I request that they immediately cancel and discharge this debt in full as it is affecting my chances of getting a house and car, XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes via mail and online over last 6 month regarding the below inquires on my credit report. I have in no way authorized these companies to pull my credit and demand they be removed. There is also pending litigation regarding these inquires with XXXX, XXXX and Transunion. In the mean time, please have all hard inquires listed below removed asap per the law! Its holding me back. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX SUB XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion TXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The following accounts were listed as charged off as of XX/XX/XXXX by XXXX XXXX XXXX. 
Since then, the account has repeatedly been updated as charged off ( c/o ) several months after original charge off. This is an update in the payment history. I understand that charged off accounts should not include any active payment history. This falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

NAVY FEDERAL CR UNION reported on my credit report. I realized that this account is not mine. I tried contacting both XXXX, XXXX and XXXX. NAVY FEDERAL CR UNION with no successful resolution. XXXX. There was definitely an error on their part. I have never applied for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation from XXXX that I submitted to be included with my original dispute and was told it would take another 30 days for another investigation that XXXX would have to contact the court even though I have proof of the removal of my dispute. I received no confirmation number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers.

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with XXXX XXXX and them trying to continue to overcharge me. 


Please review my account I have two XXXX XXXX reported on all of my credit reports but only ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!
Product: Credit reporting, credit repair services, or other personal consumer reports

As dated, XX/XX/2023, I'm aware of Experian XXXX XXXX XXXX XXXX failure of the requirements of the Fair Credit Credit Reporting Act. See attachments. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Product: Debt collection

I received a phone call and when I answered the caller asked to speak with XXXX. I said this is her. The caller then stated that I had a past balance and we could work out a new payment plan. The caller never validated that it was indeed XXXX XXXX by asking for my social, birthday or address until I brought it up to her that she never validated who I was. She stated because she called me she didnt need to. I explained to her that anyone could have my phone and answer it and this was unlawful and then she asked for my address. I then told her I was ending the call. The caller/debt collector also never announced she was a debt collector trying to collect a debt.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the eighteenth attempt to address this matter, I want to stress the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX {$7700.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6600.00} US DEPT ED XXXX Balance Owed : {$9000.00} XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I may have had my identity stolen so Im currently going through the process of freezing my credit with each credit bureau. Ive frozen twitch two of the three companies with no problem but have tried repeatedly to create and account with Equifax to freeze my credit but repeatedly hit a wall between the create account and verify steps saying We are temporarily unable to connect to our services. Please try again later. I realized this was due to my password not meeting the requirements but rather than telling me that, it just doesnt work and I have to start all over again, not knowing my password was the problem the whole time. 
I looked this up to see if it was just a me issue but this looks to be a frequent recurring issue on their website, I found one complaint going back 5 years.