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

Legal Basis for Dispute : Re-aging Debts : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically seven years from the date of first delinquency ).

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than seven years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. 

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ) : XXXX XXXX XXXX XXXX XXXX XXXX from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting dispute as this information is inaccurate. 
I have several student loans reporting on my credit report preventing me from obtaining credit for a home loan or for any other loan ( or credit card ). The balance on my student loans are affecting my credit score daily. Over the past several years I have made payments on my student loans but my credit score continues to go down. 
Some student loans are reported on my credit report twice ( which needs to be removed ). 
Student loans have had a direct impact on my credit score. 
I'm requesting a good will deletion from report ( as payments are still being made ). 
This is hindering my ability to qualify for a mortgage or auto loan. 
Also, late payments from several years ago still show on my credit report which still affect my ability to qualify for credit cards or loans. 
When I apply for credit I'm denied. and the reason I'm not approved is because : - Time since delinquency is too recent ( incorrect information ) -Proportion of loan balances to loan amounts is to high ( incorrect information ) -Serious delinquency and derogatory public record or collection filed ( incorrect information ) -Total number of credit inquiries ( incorrect information ) Requesting dispute as this information is inaccurate. 
Requesting a hardship until issue is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax breach cause the ftc violation on the XXXX XXXX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Consumer Loan

I received a collection letter from Levy Associates LLC of a debt that does not exist. I requested information on this debt and they could not provide it to me. They sent me a copy of a Judgement dated 20 years ago and they sent it a couple of months after the collection letter was sent. The last time I looked at my credit bureau report the debt was not there. I am making this report so that someone knows that these people are committing fraud.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the handling of my previous dispute related to unauthorized inquiries on my credit report. While you successfully removed several inquiries, it has come to my attention that one inquiry remains, and the previously removed inquiries have been reinserted without proper notification or justification.
Product: Credit reporting

I filed a complaint via US mail requesting dispute/investigation with Equifax information listed in my credit report. Mainly to update the phone numbers listed in the consumer statement ( Fraud Alert ). The numbers have changes and I wanted them updated. 
I provided all the needed proof documents, ( Copy ID, SSN Card, Copy Phone Bill, etc ). 
I have not received an update on my mailed in request to update my information. 
I did however get a mailed statement from Equifax ( attached ) which states that they are adding a " XXXX '' statement to my credit report, and that it would remain in effect for 12 months. Plus they are notifing all the other credit reporting agencies ( XXXX XXXX, XXXX ) of " XXXX '' status added to report. 
This had nothing to do with my request. I am employed with XXXX XXXX XXXX was prior military XXXX years ago, and I am NOT on XXXX. All I wanted was the phone numbers updated on the Fraud Statement on my account. The NEW phone numbers should be XXXX and XXXX. I have NO KNOWLEDGE of any XXXXXXXXstatus to report for military service. Plus they are now adding it to all XXXX credit reporting agencies. So now they are no only in-correct in there reporting, but they are reporting incorrect information to other agencies. This is unbelievable!! 
These reporting agencies are total unaccountable for the mistakes and errors they impose on consumers. When you address this issue with them, please ask them to update what was request the " phone number for Fraud Statement '' XXXX and XXXXXXXXWhat can I do, as a consumer to hold the agency accountable. As a federal regulator and consumer protection agency. Making them correct what is wrong, does n't go far enough. 
A huge civil fine, putting a dent in the pockets of the company is the only to make change with these agencies. Yearly I pull my report, and each and every year something is wrong with the reporting. There mistake, not what a company reported. We need your help to correct this problem at all consumers face
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX  Acct. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section2 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I had a bankruptcy a couple years back and I've been verifying the information that's being reported by the companies and it isn't accurate. The dates are wrong and a couple companies that weren't a part of the bankruptcy are even listed. It's been a couple years now and I'm trying to get a home but some of these need to be removed as they aren't reporting accurately on the XXXX. Please help me to get these removed. The bureaus are not sending me results of my investigations and it doesn't seem like they are even opeing the investigations.
Product: Checking or savings account

I need to link my account with my XXXX XXXX XXXX. I need it to get paid.
Product: Credit reporting or other personal consumer reports

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, XXXX, and Transunion. It has been about few months now, but I see no changes in my credit report. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Product: Debt collection

On XX/XX/year> I received an alert about a collection account has been added to my credit report. with XXXX from ZIONS DEBT HOLDINGS XXXX XXXX XXXX XXXX XXXX, UT XXXX, for the amount of {$2700.00}. I disputed with XXXX because this is not my debt and I do not know what this is and have never been notified about any debt from this company. The results came back XX/XX/year> that it was verified that the debt was mine. I do not see how can this be and XXXX did not provide me with how this debt was verified as accurate. I have saw many lawsuits against this company for the practices and methods they use.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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
Product: Credit card or prepaid card

My Discover account was closed, ending in XXXX, fairly recently. However, there is a credit balance in the amount of XXXX which needs to be sent via check as I had requested. I chatted with a live chat rep in regard to this, was told a request was made to have check sent. I believe this chat was on or around XXXX, possibly XXXX. I checked the account today, XXXX, the balance in the amount of XXXX is still showing as a credit. I do not believe it was taken off as of yet and or a request for check processed yet. Prior to account closure, a dispute was filed for an item not received, an XXXX purchase ... I suspect this may or may not be holding up the check request as it may be still awaiting resolution. This purchase, in the amount of XXXX, made on or around XXXX, was not received. The seller was notified via XXXX but has not replied. Either way, I do need a check sent for credit balance ASAP
Product: Credit reporting or other personal consumer reports

Introductions : Federal Legal Standing and factual evidence Equifax in violation of my Private Rights and federal law 15 U.S.C 1681, 15 U.SC. 1861i. I am a natural Person ; I am a living begin. I have rights Under 15 U.C.S 1681 Equifax is governed by 15 U.S.C 181.

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 U.S.C 1681. Has Violated my rights. 

XXXXXXXX XXXX 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 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 Has Violated my rights. 15 U.S.C 1681 Section 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX  Account # XXXXXXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items if 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report with these bureaus for years. Nothing has gotten removed at all. I was and still am a victim of identity theft. No one has verified any information or anything verifying that the accounts are mine, which they are n't. I need these items removed asap. The items on this bureau that need to be removed are : both bankruptcies, all inquiries except for 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 does not belong on my credit report. I have never, ever lived there. 

Also regarding TransUnion, my name is XXXX XXXX, not XXXX XXXX. 

I need assistance in getting these items off of my report as they should not be on there and they do not belong to me. I am a victim of identity theft/fraud. If they are not removed I will be filing lawsuits immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX. 
Company Inquiries 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 card or prepaid card

Citibank, on behalf of The Home Depot ( THD ) affinity card, allowed an impersonator to a ) change my home address and b ) obtain a new credit card. Impersonator made a purchase on XXXX  Citi collections started calling me when the card was past due. I did not know it was past due because statements were sent to the changed address. 

I can prove that I was at my home, over XXXX miles from the point of purchase, when the fraudulent transaction occurred. 

I contacted Citi on XX/XX/ to dispute the charge and report the fraud. Over the course of 24 calls ( and 17 disconnections that occurred when I was transferred within Citi ) from XXXX  to XXXX XXXX learned that Citi 's " Security Operations '' team received the fraud case on XX/XX/ - 28 days after I filed it - and the Escalations representative ( XXXX XXXX told me that he does not have the information he needs to conduct an investigation. 

Citi has credited the amount of the original purchase, but has : 1. Charged me interest and late fees totaling {$71.00} for that purchase 2. Refused to credit that amount, or hold it in abatement, while the investigation progresses 3. Not provided any information about how and when they might start the investigation, given that they admit that they do not have the information they need to do so My requests : 1. Initiate the investigation.

2. Credit the interest and late fees to my account.

3. Notify the credit bureaus to hold me harmless on my cre
dit score during the investigation ( my credit score has dropped from XXXX XXXX XXXX since the start of this incident ). 
4. Allow me to talk with Citi representatives about this situation. Citi has denied me the right to talk about this situation on 70 % of the calls I have made because they can not " verify '' my identity, such as thru multi-factor authentication. I have provided a XXXX " password '' that subsequent representatives were unable to use ( they had never heard of such a passcode ). Instead, they call my family, none of whom are named on the account. ( My family does not take calls from unrecognized numbers, but they do review the voice messages left. ) 5. Stop calling my adult children and my spouse about this situation. They are not named on the account. 
6. Put a permanent freeze on my files so that Citi never issues credit in my name. Why? Because Citi makes it easier for someone to commit fraud than for me to even talk to Citi about fixing it, and I have lost all confidence in the Citi organization. 
7. Fix Citi 's telephone system so that I don't get disconnected on XXXX separate transfers over the course of 28 phone calls. Better yet, solve my problem without transferring me among Customer Service, Collections, Fraud, Security Operations and who knows what other departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX and XXXX XXXX. Please correct and update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to do on XXXX for major medical reasons. I was awarded permanent XXXX on XXXX. It might have been XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I had worked hard to get my accounts in order. I was notified through Equifax that I had a bill in collections that was closed XXXX or XXXX now I have XXXX accounts for the same lender for the same account that has the wrong date I did open it XX/XX/XXXX I believe of XXXX they have it as XXXX or XX/XX/XXXX. I will attach copies. Ive tried to talk to them but they keep saying its the same XXXX different accounts when theyre not. I Don have them on any other collection, Bureau it made my points go down like XXXX points.
Product: Payday loan, title loan, personal loan, or advance loan

I have had this loan for a couple years. I have not taken A draw since XXXX of last year and have payed them $ XXXX biweekly since I got the loan. Since my last draw date I have payed them over XXXX and my principal balance has only went down XXXX dollars. By the time I pay this loan off I will have payed them over {$XXXX} for a {$XXXX} loan.
Product: Payday loan, title loan, or personal loan

I am applying for a personal loan at Wells Fargo bank in XXXX, Florida the lady told me that my monthly payment will increase by {$10.00} additional dollars because WE DON'T HAVE INCOME TAX IN FLORIDA. 
Who desired that, when, this should be ilegal why a bank its capitalizing on the fact that we Floridian residents don't pay income tax, is this a PUNISHMENT? 

I am going to go the bottom of this anomaly Banks or politicians CAN NOT PLAY with our need for a loan I am negatively surprised with this aberration a bank or politicians can take advantage or our needs Please solve this or I will escalated to the highest authority, we can not convert our state as a sanctuary for whomever wants to get an easy and fast money on our already dilapidated economy Thanks XXXX XXXX ( XXXX ) XXXX XXXX
Product: Debt collection

I am submitting this complaint because I am being extremely affected by NATIONSTAR MORTGAGE LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was a victim of mail fraud and local XXXX police has arrested someone for the crime, my mail was being stolen for over 2 months, including my bank statements and mortgage statements, Also the website for Mr. Cooper has been malfunctioning and locking me out, didnt show if payment was due and I had setup auto pay numerous times by phone and online and they kept on not being able to set it up for me. 

My Account is : XXXX XXXX XXXX. 

I am requesting removal of late from all credit report. 

Please see the attached document.