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

" I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX Listed below are the Collections that are being challenged 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 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: Debt collection

This company is trying to collect a debt that is a result of identity theft that belongs to an address that Ive never lived at. Ive lived at the same address for XXXX  years. This account is false and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up to be the XXXX  for a loan, servicer XXXX XXXX XXXX ( on behalf of Ascent Funding ), for career training for the primary borrower. The primary borrower declared XXXX  this year prior to the first payment of the loan coming due. The account was listed as in default in XXXX of 2022 but when asked about this XXXX stated that this was an error, the loan was in fact NOT in default and the status returned to deferment. I received a notice dated XX/XX/2022 stating that since the primary borrowers XXXX  was XXXX I would now be solely responsible for the loan. It should be noted that this is the last correspondence I received from XXXX and any further contact has been initiated by me. I was aware that this was the case so I was logging in the check the status periodically in preparation of the first payments due date. I checked in early XXXX and saw that the balance was showing as {$0.00}. I called in to inquire as to why that is and was told that the lender had decided to discharge the loan. I was not given a chance to make payments per the agreement I signed ( all cosigner related documentation attached ). They have not given me the opportunity to fulfill my obligation to pay and have reported the account as charged off on my credit report unfairly. I contacted XXXX and requested they reopen the account, allow me to make the payments and remove the report from my credit report. They have refused to reopen the account and claim that the report is just. The survivability clause in the credit agreement states that the original agreement stands even in the event of primary borrowers bankruptcy making this report unfair as they stole my ability to make the required payments. XXXX has stated that it is Ascent 's policy to charge off the account in the event of primary borrower 's bankruptcy but this is not stated in any of the loan documents that I or the primary borrower signed. They have violated the initial agreement. Proof showing that the account was never in actual default attached despite their claims when I call in that the account was in default at one time
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially mailed a dispute via Certified mail with receipt to Equifax on XX/XX/XXXX @ XXXX XXXX  about two fraudulent items listed on my Equifax report and requested to update my Employment information. The U.S. Postal Service did mail me back the green card stating Equifax did sign for my package of disputes on XX/XX/XXXX. 

The problem I have with this receipt is the deception that Equifax is used when they signed for my package. The package couldn't of been delivered on XX/XX/XXXX because that was over one year ago. Also the green card with the U.S. Postal Service original receipt does match and the receipt cleary shows XX/XX/XXXX is the day the package was received in the post office. 

Also the online delivery confirmation shows that the package was signed for on XX/XX/XXXX and that Equifax has reaged my package a year and possibly reaged my package for this year adding two extra days on the green card from XX/XX/XXXX, to XX/XX/XXXX. If Equifax were to try to say it was an error for the year of XXXX instead of the year XXXX they need to explain the date of XX/XX/XXXX when the package was actually received and not the date of XX/XX/XXXX when they said the package was received. 

If there was an error it would of been dated XX/XX/XXXX not XX/XX/XXXX. 

To Whom It May Concern, I am writing this letter in response to the noncompliance of Equifax. On XX/XX/XXXX I XXXX XXXX XXXX submitted an identity theft affidavit with identitytheft.org because of two accounts that are still reporting to my credit file from a company named XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. I also requested a correction for a previous employer named ( XXXX XXXX XXXX ) that is reporting to my Equifax credit report to be removed. This employer is not my current employer and should be removed. As of XX/XX/XXXX a certified letter with signature confirmation from the U.S. Post Office was to delivered to Equifax, and I have not gotten a response back from Equifax since this day of XX/XX/XXXX relating to this investigation regarding all three of these inaccuracies. It has been 39 days since my dispute was received from Equifax and as of today on XX/XX/XXXX, all related disputes are still currently reporting to my Equifax credit file. This is a violation of my rights and I intend on taking legal action as of now, and depending on the outcome of the investigation from Consumer Financial Protection Bureau I will be swiftly filing defamation lawsuit along with negligent enablement of identity theft and the violation of the Fair Credit Reporting Act. I am holding Equifax responsible going forward. I demand both fraudulent accounts and employer inaccuracy be deleted immediately because of the 30 day noncompliance that Equifax has shown or ill be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refilling this complaint is for WELLS FARGO. I sent them letters several times XXXX ; XXXX ; XXXX regarding the inaccuracies in my report due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Debt collection

In XXXX, Penn XXXX has sent to collections {$57.00}. This is an invalid debt. The patient 's balance was paid in full in XX/XX/XXXX. Patient has sent the documentation/proof of payment ( endorsed check and bank statement ). Penn XXXX failed to conduct due diligence in applying the payment to the patient 's account. As of XX/XX/XXXX, the {$57.00} is in collections with Penn Credit Corporation. Again, this is an invalid/illegal debt collection as the patient has repeatedly called Penn XXXX and wrote to Penn XXXX to resolve this issue ( by providing the proof of payment ). Penn XXXX stated on call that the matter had been resolved, and no further action was needed. Yet, the patient has been sent to 3rd party debt collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a hand written letter via certified mail to Equifax disputing the three charge-off, credit card accounts ; because they are being reported past the time that they need to be reported on my credit. I requested to have them removed immediately, as other credit bureaus have removed these same account from my credit report already. I received a response with a letter dated on XX/XX/2022 refusing to remove two of the accounts. This is not in alignment as my other credit reports no longer have these accounts reported, and its illegal to report and beyond the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account on my credit report that I am unaware of. I have medical insurance in which I am fully covered. I don't have anything signed with this company.
Product: Credit reporting or other personal consumer reports

I am rewriting to formally resubmit the complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under XXXX XXXX XXXX XXXX XXXX  which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please not this complaint is not duplicate, it's due to new evidence. I'm not using any third party for this matter. 
On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them on XX/XX/2022, stating '' They do not report any bankruptcies to anybody ''. So, if that's the case. How did the credit Bureau 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 ; XXXX XXXX XXXX XXXX The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, 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 consumer 's 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 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my XXXX Credit REPORT. Only XXXX has reported this information on my credit history. 
Please note : ONLY TRANSUNION HAS REPORTED THIS ACCOUNT - RECORD ON MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report I noticed these hard inquiries that I did not recognize : XXXX XXXX Equifax XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 XXXX 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 Experian is 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 items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning Time and time again I have tried to discuss and have someone fix this. I have a student loan by XXXX the department of education which first garnish my payroll at {$40.00} weekly through a rehabilitation program and at the same time I had a separate $ XXXX monthly payment that is automatically paid. Neither those amount were neglected or default but time and time again this company reported me late and on default damaging my credit. Further I have completed my rehabilitation program. As of XX/XX/XXXX due to the pandemic the Care act was placed that states that all student loans should not be reporting negative to the credit bureau. The care act also states about {$0.00} interested and even forbearance to be put in placed. Yet on XXXX XXXX reported me negative decreasing my credit score damaging my chances to qualify for a home that I so much need. This needs to be stopped. I have complied with all the requirements and no one seem to care and continue addressing this matter with careless and rude behavior. My credit shouldn't be mark negativity from the beginning. XXXX has been recieving payments upon agreement. I need someone to seriously look on this matter because this is unacceptable and very dangerous to my credit and is affecting my living possibilities. I do not believe this company have treated me fairly from the start. I need someone to make them address this matter properly
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX, XXXX account # - XXXX has violated my rights. 

15 U.S.C 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.
Product: Credit card or prepaid card

Someone either stole my debit card or hacked my account to use about XXXX XXXX dollars from XX/XX/XXXX to XX/XX/XXXX. The person moved from near me ( XXXX LA XXXX to XXXX. 
I was home during the weekend and never left the apartment except for to walk my dog. I even have a statement with another credit card of having delivered food to my apartment on XX/XX/XXXX evening, though the person who stole my card seemed to hit many stores wandering outside in XXXX  XXXX. 
I got an alert on XX/XX/XXXX afternoon about fraud activity and called the bank immediately to report fraud activities and stop my card. My bank ( Bank of America ) promised theyd perform a fraud investigation and would get back ti me. And I didnt hear anything from them for 10 days. 
On XX/XX/XXXX, I found out on its website that my case had been closed. I called the bank and they said everything looked normal and my case has been denied, even though this person spent XXXX XXXX dollars in 2 days. That was 1/3 of my savings. 
I have never been in XXXX for 4 years. I never spent this much money and all abrupt purchases at convenience stores clearly isnt my consumers pattern. 
I am desperate and very scared about this since I need to pay for my bills soon and i have very little saving and income during this time. 
Please help me and let me know what my options are. Thank you.
Product: Credit card

On Wednesday XX/XX/year>, I received a Yard Card in the mail. I NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED. I noticed that the yard card had written on it my name and " XXXX XXXX '', in which I have had nor do I have business with. Furthermore, there were already XXXX charges to the account. I did not authorize this account to be opened, nor any transactions that have occurred or may occur in the future. I want this rectified, and the account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was illegally given out loans to customers like myself without proof of income. I bought the car unfortunately it was involved in a accident total loss. Insurance company paid 100 % of balance. XXXX accused me of owing then {$1500.00}. I was involved in a class action national lawsuit against XXXX XXXX and received a settlement check. However I want XXXX to remove the negative information they say I owed from all three major credit companies. XXXX, Experian and XXXX. I have hired a law firm to help remove the XXXX negative information.
Product: Debt collection

On XX/XX/2018, I returned a leased XXXX XXXX XXXX to XXXX XXXX XXXX in accordance with my lease. The lease was for 2 years and XXXX miles and the car was returned with XXXX miles, within the lease agreement. I subsequently received a bill from XXXX XXXX XXXX for {$3200.00} which included {$2600.00} for excess mileage, {$350.00} for a disposition fee, {$230.00} for sales tax, and a reduction of XXXX for an overpayment. I contacted XXXX XXXX XXXX about the erroneous billing, and after researching the file they agreed the billing was in error, removed the excess mileage charge and waived the disposition fee, which eliminated the sale tax and agreed to refund the {$19.00} overpayment, which they did. 
Subsequently I received a call from a debt collector, XXXX XXXX. After researching the file again, XXXX agreed there was no amount due. 

I then received another from XXXX XXXX agent claiming the amount was due. I explained the error to the agent but she would not listen. I sent a letter to XXXX and to XXXX XXXX requesting letters clarifying that no amount was due. Neither responded to my letters. 

Now I receive a letter from another collection agency XXXX XXXX, XXXX requesting payment for the same erroneous claim.
Product: Credit reporting or other personal consumer reports

Transunion. They have multiple inquiries listed for the same financial transactions. They refuse to identify those multiple requests as one inquiry as required by law. 
One was for automobile financing on XX/XX/2022 and most recently for inquiries made by mortgage lenders. There are at least 4 inquiries in each instance and they refuse to correctly report them.
Product: Mortgage

In XXXX we were approved for an adjustable mortgage which was a XX/XX/XXXX loan. We had 2 mortgages and the 20 % mortgage was by a predatory lender which based upon our low income they approved the loan at an adjustable rate. We were not able to pay the mortgage for 16 years and now they have sent notices to put a lien on the property. How can they do that after 16 years and no correspondence?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 602 A States I have a 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 or other personal consumer reports

These items are for Navient is inaccurate because I did not receive any notices regarding my deferment renewal old address and phone #, and I was deferred before and after this period that is flagged late. I have been pleading since XXXX, and all through Covid because I was laid off from my job and was desperate for financial assistance. There are XXXX lines showing 150 days past due. Most recently, my loans have been XXXX and advised by the XXXX XXXX that any derogatory remarks were supposed to be removed from my report. Now, my mom has passed XX/XX/XXXX and I am trying to assume her mortgage as she transferred her deed it to me and my credit is playing a huge part. I am begging again for assistance. I am requesting that these 26 lines be removed. Navient is currently closed AND paid in full on my credit report.