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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$180.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$480.00} XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00} XXXXnquiriesXXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Product: Debt collection

Debt is a result of an injury at work. Workers comp did not receive a bill. Claim number XXXX. Workers comp and or insurance is responsible not me. Negative reports hurting my credit. Trying to get a resolution since 2010.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute XX/XX/2020 and still haven't gotten a response thats past 60 days
Product: Money transfer, virtual currency, or money service

somebody had opened an account in my name. it was not my chargers, I have never applied for this card, I do not have the card and I should not be responsible for these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not aware that any of these companies were running my personal information im wanting them removed from my report, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
Product: Debt collection

This notice serves to alert you that you are improperly reporting an unauthorized inquiry on my consumer report. I have not authorized you to access my credit profile, and there is no legal basis for you to contact third parties and obtain my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached Equifax 's response to my complaint # XXXX in which I requested that they remove " Bankruptcy '' from my file as I have been turned down by credit card companies, as a result of this statement. I do not believe that the spirit of the company is to hurt anyone but it does not create the reality of making this statement on my credit report. The bankruptcy filed was an error and it was quickly removed by my attorneys. However, no bankruptcy existed after one week. Therefore, all my creditors were fully paid and there were no charge offs. Equifax insists on using the " Bankruptcy '' even though it did not happen. I would ask that CFPB pleas use their enforcement powers to have this language and case removed from my credit report and any references. 
See attached from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened a credit acct with XXXX XXXX XXXX. In XXXX I was unable to pay the balance of the card. XX/XX/XXXX was the last payment. In XX/XX/XXXX they sold the acct to XXXX XXXX. XXXX XXXX listed the acct as a charge off/collection. XXXX XXXX XXXX is still displaying that I failed to pay in XXXX and it has it listed as a charge off in XXXX. This is not true. It was sold and closed in XXXX. If this acct is closed why are they still putting adverse remarks on my report. Not only is it listed as a derogatory mark with XXXX XXXX, it is also in collections with XXXX XXXX leaving two negative marks on my report. I have contacted both Expirian and XXXX XXXX XXXX,. XXXX XXXX said they sold the acct to XXXX XXXX and to contact them..SO not only are they putting adverse remarks on a closed acct but they are listing this debit as two different debt. It is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX Account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXt Account number # XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX XXXX acct XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my experian credit profile I noticed that my ratio of revolving balance to credit limit ratio is 19 % which is accurate. After doing that I checked my credit score. In checking the factors, both negative and positive, I noticed that my ratio of revolving balance to credit limit is 57 % which is not accurate in calculating my credit score. By adding all my credit card balances I concluded they are adding my car loan to my revolving balance therefore affecting my score negatively. This is not a disputable issue with Experian but is one that should be looked at carefully. I took a picture of my credit usage which is 19 % but 57 % at the credit score factors.
Product: Credit reporting or other personal consumer reports

Equifax said XXXX XXXX  account was accurately reported.
Product: Debt collection

On XXXX/XXXX/XXXX I received a letter fromDynamic Recovery Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX stating I owed {$360.00} to XXXX XXXX with no date of services. Account # XXXX. I called the XXXX XXXX number on the number and spoke to XXXX. He demanded money and I had to actually shout at him to get him to stop so I could ask him some questions about this debt. He finally told me that this was from a hospital in XXXX, XXXX.and it was prior to XX/XX/XXXX. I have never been to XXXX, XXXX prior to my cross country trip in XX/XX/XXXX. I was never hospitalized in any hospital in XXXX. When I pressed him for details and a formal billing, he would not provide that, not even a date of service. But he proceeded to demand money. I am not paying for a bill which I have no idea of it 's validity. When asked if they could contact me, I told them not to call. only correspond by mail. Please get them to cease and desist as this is nothing more than a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report is being used improperly and violates my rights as a consumer under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts : XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Account # XXXX Balance : {$4300.00} In accordance with the Fair Credit Reporting act the account number # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX bal XXXX acc number XXXX XXXX bal XXXX acc number XXXX XXXX bal XXXX acc number XXXX.Has violated my rights. 15 U.S.C 1681 section 602A states I have a right to privacy. 15 U.S.C 1681 section 604A section 2.It also states consumer reporting agency can not furnish a account without my written instructions ... my ss number is XXXX XXXX XXXX.
Product: Mortgage

My XXXX settled discharged mortgage is illegally in the hands of PHH and or XXXX Mortgage XXXX. I requested a complete transaction history, itemized pay-off. I also requested information all the many years there was no communication from this mortgage servicer. I want to see their records to see if it matches my records. I want to see the history for any discharges, charge/write-offs from previous servicers. I believe this company is following illegal processes. They seem to be disguised under several different names such as ( XXXX XXXX ) XXXX, PHH and XXXX. They all seem to be one in the same. I have also been advised to reach out to the Attorney General to have him/her investigate the practices of this company. They are illegally attempting to collect on a mortgage debt that has already been settled with another servicer. I believe these illegal practices and needs to be investigated.
Product: Checking or savings account

I am trying to withdraw my money from Goldman Sachs Marcus and they keep denying and reversing the withdrawals. I have made other withdrawals with no issue, but they keep preventing me from withdrawing the full balance of my account. Ive called numerous times and am being given the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

I received a letter on XX/XX/2018 from United Consumers , Inc. stating that I had been reported to them from XXXX XXXX XXXX XXXX ( actually XXXX XXXX XXXX, though that was not referenced in their letter ) for an amount of {$54.00} ( actual amount on every bill I knew about was {$55.00} ). The letter said that if I wished to dispute the collection, I needed to submit a written notice within 30 days. I sent a letter on XX/XX/2018 ( that is well-within 30 days ) with my written dispute, providing documentation as to why I was not responsible for the amount. I had reached my maximum out of pocket as of XX/XX/2018, which I had told XXXX XXXX XXXX on two occasions over the phone, as well as providing them with the letter on two occasions. I provided that letter, as well as my Explanation of Benefits from my insurance company where they clearly denied the claim and stated the provider ( XXXX XXXX XXXX ) was responsible for the charge. I sent it to the only address provided by United Consumers , Inc. on their letter. 

On XX/XX/2018, there was a voicemail left on my phone - no phone call, just a voicemail that bypassed any phone call - stating I needed to call XXXX about a debt. It did not say who I needed to speak to, did not reference an account number, did not reference an amount, did not provide any other information whatsoever. When I called, the person spoke too fast for me to understand his name ( he was male ), and he told me I had an outstanding bill that was due and needed to pay it. I told him I had sent my disputation letter within my 30 days, and he told me they never received it. He then proceeded to tell me the U.S Post Office is unreliable, and so I shouldn't have trusted it would have reached them. He said he would give me a fax number to fax my documents, but I was upset and demanded to know why they offered the letter as an option if they felt there was no point sending it. He refused to answer. I then demanded to know why a fax number wasn't provided from the beginning if the Post Office was deemed so unreliable, especially when they were making a requirement of a WRITTEN disputation. He refused to answer and continued to refuse to answer, before finally stating he was not going to deal with me and hanging up. I was never given the fax number, and it is most certainly not available on the paperwork provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and inquiries are not mine, please remove them from all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft AHF Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft AMERICAN FIR Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting

There are information on credit report that are over XXXX old.By law those should be remove.
Product: Checking or savings account

XX/XX/XXXX notice of account hold. Called told check I deposited has a hold of fraud until check clears. XXXX check deposit. Watch account daily. XX/XX/XXXX check clears. Account still locked. Call and we do a XXXX way call with the checks issuing bank, me and the bank I'm depositing into. Bank that issues the check confirms with many questions the check is real and legit. Confirm the funds are already placed and cleared into the depositing bank account. Told everything is fine know and tomorrow XX/XX/XXXX, I will have access to my account again. XX/XX/XXXX notified my account has been completely shut down. No access or anything. Call and given the run around about when it will be open if at all
Product: Credit reporting, credit repair services, or other personal consumer reports

In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In  general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP TXXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reported to my credit report. These remarks have been detrimental to my credit health.
Product: Student loan

All of my student loan debt ( federal and private ) were pulled together ( consolidated ) several years ago. These debts are currently under an XXXX plan with US dept of Ed via XXXX XXXX XXXX XXXX. One remaining private loan was paid off in full last XXXX by a cosigner and myself, to the tune of over 3 thousand dollars. I have repreatedly requested XXXX, and any and all companies they have turned my debt over to, prove this dept to me. No proof has come forth and now this mystery debt has been bounced by XXXX to yet another debt collector, Northstar Location Services , LLC. Who has now sent a collections notice to me dated XX/XX/2019.
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 Accounts # XXXX, # XXXX, # XXXX and # 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 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: Mortgage

I am currently paying PMI on my house. Mr. Cooper -- my loan servicer -- told me that PMI would be removed ( at my request ) once I had paid off 20 % of the loan. In fact, XXXX XXXX, who currently holds the loan, lists that as the necessary requirement for having PMI removed. 

When I hit 20 %, I immediately contacted them. I was told the house needed to be appraised again ( this is NOT a requirement by XXXX XXXX -- they say it can be based on the original value ). Regardless, I went ahead and said yes. I was told an appraiser would contact me. 

The appraiser never followed up. I contacted Mr. Cooper today and was told my loan was reviewed and there decision was to not remove PMI. This was based on " no evidence of substantial improvements. '' I was never informed of this decision. I was NEVER asked to show any evidence of substantial improvements or show any documentation. We have made significant improvements on our home. Even with that aside, we have still paid off 20 % of the original price so there's no reason we should have PMI on the loan. At this point, Mr. Cooper is charging me and having me pay money for something I shouldn't be paying.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I was affected by the data breach that occurred in 2017, as confirmed by your records. This breach resulted in the exposure of my sensitive personal information, including my Social Security number, date of birth, and address. As a result of Equifax 's negligence in protecting my data, there may have been possible identity theft, leading to unauthorized accounts appearing on my credit profile.

I demand that all negative accounts be removed from my credit profile immediately. I am not authorizing any disputes to be initiated with the furnishers of these negative items. Equifax is solely responsible for the breach and any resulting harm to my credit.