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

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and the credit reporting agencies havent notated is as disputed. They cause me to loose out on offers due to reporting negative inaccurate items and not notating it was disputed. 

I sent them multiple of letters concerning my credit reports. 

As a consumer it is my right for them to follow FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with XXXXXXXX XXXX  ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft.
Product: Mortgage

I applied for a short forebearance with my FHA loan ( for 6 months ). Instead they gave me a loan modification for 33 months ( I am 7 years into my 30 year mortgage ) and they increased my interest rate from 5 % to 5.5 %. This is not what I asked. Do I ask for a deferment?
Product: Credit reporting, credit repair services, or other personal consumer reports

Institution Information XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, DE XXXX ( XXXX ) XXXX They did a hard inquiry without permission. 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX.They did a hard inquiry without permission. 

Institution Information SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. They did a hard inquiry without permission. 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information SYNCB/PAYPALEXTRASMC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Dont recgonize this they did a hard inquiry
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards of the issue of an incorrect inquiry on my credit report. Despite two previous attempts to have this inaccurate inquiry removed, it remains on my report, negatively impacting my credit score and financial standing. 

The inquiry in question was not authorized by me and should not be on my credit report. I have provided documentation and evidence to support my claim, yet the inquiry persists. This ongoing issue has caused me considerable stress and inconvenience. 

Immediate action is imperative to rectify this matter. I expect a thorough investigation into why this unauthorized inquiry continues to appear on my credit report despite my previous requests for its removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Please help me remove these inquiries immediately : XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; 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 XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a 609 letter to all 3 credit bureaus requesting validation of a debt that 's reporting on my credit account labeled " XXXX ''. 

I am requesting that under the FCRA act that this company provide me documentation on this debt, proving that I am liable as I have not received anything in writing, email, text message, phone conversation from this company. 

I sent a 609 letter to all 3 credit bureau 's whom failed to provide me proper documentation that this debt belongs to me. Yet XXXX is reporting and making changes to this debt monthly without my consent or my aggreance. 

I have attached the 609 letter that was sent to the credit bureaus and also screen shots of XXXX erroneously reporting this account on my credit report. This debt came back 'verified ' but I was not provided any documentation that supports that claim. 

Please furnish all documentation that authorizes this company to do this to include but not limited to a contract signed by me with this company. 

Otherwise I am requesting removal of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies involved is Experian, XXXX and XXXX. I recently request my credit report from free XXXX XXXX and it's a lot of aliases on my report, old addresses, phone numbers, old employment and inquiries that i never even made. The credit bureaus are reporting information that's not associated to my account. For instance, there's an address that's on my account that's 7 hours from my home address. All of these incorrect items are stopping me from getting a home, car, etc. I would like for the incorrect items on my report to go to it's rightful owner. The credit bureaus are using public record to look up my name and end up attaching someone else file to my credit report. Please investigate the negligence of the credit reporting agencies
Product: Debt collection

On XX/XX/XXXX, received a call from a representative who was working on behalf of HSBC to tell me I owed money on a credit card that I opened in XX/XX/XXXX. I had 90 minutes to respond to the initial call or they would proceed without speaking to me. The initial amount was {$880.00} and was now at {$6600.00} due to interest and late fees. I advised that I did not open a HSBC card in XX/XX/XXXX and the only ones I did have were included in my bankruptcy in XX/XX/XXXX ; which they knew about, but this card was not a part of that. The card in question ended in XXXX. When I searched old credit reports, this card does not appear on any credit report. They advised it wouldn't be on a credit report as it was put on hold, then transferred or sold to XXXX XXXX. The only HSBC card I had that was transferred, was in XX/XX/XXXX and included in my bankruptcy. They wouldn't listen, they were just trying to do their job and collect my debt. They were willing at this time to offer me a settlement of {$1300.00} ; yes or no, couldn't think about, had to decide at this time. I also had to provide them with a credit card to pay. I advised I didn't have a credit card with me, they said they would put a hold on my bank account until I was able to provide my credit card info but I had to respond by XXXX. I advised I wasn't going to give them any bank or credit card info over the phone. I also advised I had never received anything in writing and they said I was lying, they have sent out multiple notices to me regarding this. When I asked them what address they sent the notices to, they asked me to verify my address, I again asked them to verify my address and they refused. When I refused to pay and they refused to send me notification in writing, they advised they would pursue a judgement against me, have my wages garnished and possibly arrested for credit card fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX credit card was opened using my name and SS #, leading to a charge-off on my credit reports. I reported the identity theft to FTC identitytheft.gov. XXXX and XXXX  have both removed the card and charge-off from my reports. TransUnion refuses to remove the identity theft, the card, and the charge-off. They claim the information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly for 18 months to communicate with XXXX about the following : 1. Old information reappears or never goes away 2. Incomplete reporting 3. Incorrect credit score XXXX has made it increasingly difficult for consumers to get their records reported properly, get their records corrected or even to talk to someone with a dispute. I received an updated report and I am still unable to dispute anything because their automated system does not recognize their own XXXX reference number. I am exhausted and feel victimized by XXXX because I have been requesting correction for over a year and it is against the law for a credit reporting agency to cause a consumer distress. I have XXXX positive accounts that disappeared from XXXX and have since then been denied credit. This is costing me money on interest rates. If I freeze the account it still has not helped because agencies that use them still believe their false reports.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request Dear Sir or Madam, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX.
Product: Debt collection

I have a membership with XXXX  and receive alerts as changes occur on my credit report. I recently received alert that company uscb American had submitted a collection from XXXX XXXX. The collection dated to XX/XX/2018. I moved to Texas  in XX/XX/2018 and did not receive any correspondence that i owed a bill now more than a year later here is a collection appearing on my report that will remain for 7 years, I tried to communicate ith company to see if we could settle on an amount since this is an old bill and i was not aware. I am retired and on a fixed income and cant afford to have an extra expense and the company was unwilling to work with me for a reasonable solution. with the recent outbreak of the corona virus everyone is concerned about their finances. I have worked hard to bring my credit score and remain credit worthy and i am hurt and appalled that this company has submitted this report twice thus causing my score to drop by 54 points.
Product: Vehicle loan or lease

Late XXXX, I received a letter from Lexus Financial Services ( LFS ) giving me the process of paying off or returning the vehicle to XXXX. I had decided to payoff the lease with a loan from XXXX bank. I attempted to call the number that was provided and got to someone who stated just go to the dealer and they will help you through the process of paying off the lease. In early XXXX I drove the car down to the dealership ( XXXX of XXXX at XXXX ). They told me that I needed to call Lexus financial Services because they did not do lease end processing. I attempted several times to get through to XXXX. I finally got a live person who said the dealership is required to help with the process and were actually paid to do so. XXXX sent me the paperwork in early XXXX. On XX/XX/XXXX I called to see if they received the paperwork they needed. They stated they did not. I asked to have the paperwork sent to me again. This time I sent the paperwork on XX/XX/XXXX with a return receipt requested. I waited XXXX weeks and called again on XX/XX/XXXX. XXXX stated they had received the paperwork but needed 30 days to process it. They received the paperwork on XX/XX/XXXX ( Return receipt ). However, they stated the bank needed to process the paperwork and send a check to them. I called the bank and got them to issue a check. On XX/XX/XXXX, I received a email stating they had not received my payment and the payment was late. XXXX does everything in their power to force you to return the lease end vehicles back to them so they can resell the vehicles. I had to fund the purchase with my XXXX account and make sure they knew I would report this to the FTC and NEVER lease another vehicle from XXXX.
Product: Credit card or prepaid card

I closed my account a couple months ago and now i can no longer see my account details when i log in. I also don't receive paper statements and when i requested them a representative said i cant get paper statements. So no online access, no online payment option and no statements to keep track of balance, interest being charged, etc. I feel the company is trying to make it difficult on purpose so i'll forget to pay and they can charge additional fee 's. There's no way for me to keep track of anything.
Product: Checking or savings account

Prior to the date of this transaction that was XXXX at XXXX XXXX I received A phone call from the number XXXX and they told me they worked for Chase bank and they asked for my card number. A couple days after the phone call all these transactions happened I got robbed of all the money. They clearly made another card with my information to take my money after this person that said worked at Chase bank got my information.. Now realizing that Chase never calls you only sends notifications now realizing It was a scammer. I just got off the phone with a claim advisor and they told me that the transaction was chip to chip. I clearly got scammed by this caller. 
On the day of XX/XX/2023 I still had the position of my own debit card ending in XXXX. On the current date and time of all the transactions from the atm of XXXX XXXX and also this transaction of {$470.00} of jewel I was at XXXX XXXX  with my mom mom ( XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ) from XXXX XXXX  to XXXX XXXX  waiting for my car to get finished serviced. I was waiting for them to put all XXXX new tires on. After I left XXXX XXXX I headed to XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ) my car got taken in to get an alignment at XXXX XXXX  the car was then finished until XXXX XXXX. At the time I had no other car so I was patiently waiting for my car to be finished at the shops. 
I am a XXXX XXXX that lives with my parents and has to pay college loans. I as an XXXX XXXX XXXX would not spend {$470.00}. You can look prior to that my latest purchases at XXXX were nothing close to that the most was XXXX on XX/XX/2023. I also have a High School Checking Account and I should be able to take out all that money or even purchase all those permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

XXXX XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XX/XX/XXXX Balance : {$1500.00} XXXX  XXXX XXXX  XX/XX/XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, about a unauthorized inquire showing up on MY XXXX and Trans Union credit report back inXX/XX/XXXX. I have reached out to XXXX several time from XX/XX/XXXX toXX/XX/XXXX with no resolution. I 'm in the process of buying a home so I 've been extremely focused on NOT applying for any new accounts of any kind. <P/>I have been a victim of Identify theft twice within the past 10 yrs. I have contacted the credit agencies and they are no help at all. I have been in contact with them as well in regards to some other fraudulent accounts over the yrs. It has taken me countless of hours and thousands of dollars to prove these account were not mine. I have placed fraud alerts on all 3 credit reporting agencies to protect me but as I 'm realizing nothing if full proof. Because of the fraud alert creditors call to verify information per the statement on my credit report. I DO NOT APPLY FOR ANYTHING ONLINE out of fear of have my information compromised again.
Product: Credit reporting or other personal consumer reports

I WAS REVIEWING MY CONSUMER FICO REPORT AND I SEE SOME UNAUTHORIZED FRAUDULENT INQUIRIES LISTED ON MY REPORT.I NEVER APPLIED WITH THESE COMPANIES.I NEVERE GAVE ANYONE PERMISSION TO RUN MY CREDIT.PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRIES FROM MY 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
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

While reviewing a copy of my credit report XXXX XXXX XXXX  I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- XXXX XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to formally dispute the accuracy of the information contained in my credit report, specifically regarding the account information associated with XXXX. After reviewing my credit report, I have discovered several inaccuracies that require immediate attention and correction. The discrepancies I would like to address pertain to the following details associated with the account : XXXX XXXX : According to my credit report, the payment status of the account is reported as " late. '' However, I have always made my payments to XXXX  on time. It is highly misleading and damaging to my credit history to have inaccurate late payment information reported. Please investigate and correct the account : XXXX XXXX Balance : {$270.00}. I would appreciate the Credit Bureaus ' immediate attention to this matter, as it is of utmost importance to me. It is crucial that the Credit Bureaus adjust the late payments from this account to reflect the accurate payment history that I have maintained.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX Names 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 Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$24000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX XXXX  Account number XXXX XXXX opened XX/XX/XXXX Open/closed Open Balance {$24000.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed XXXX Balance {$24000.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple attempts to remove outdated and inaccurate addresses on my credit report have been made to XXXX and Equifax. 

On attempts dated XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

After multiple attempts outdated and inaccurate addresses remain on my credit report.
Product: Credit reporting

Transunion began an investigation of XXXX., account # XXXX on XX/XX/2017 but did n't complete until XX/XX/2017 beyond the 30 day time period allowed by FCRA
Product: Debt collection

I'VE RECEIVED COUNTLESS HARASSING PHONE CALLS AND SEVERAL LETTERS INDICATING I OWE MY PERSONAL PHYSICIAN {$430.00}. THE LETTER IS FROM A COMPANY CALLED " CONVERGENT '' OF XXXX, WA ( FORMERLY XXXX   XXXX ) DATED XX/XX/2020 AND INCLUDES MY DR.S GROUP NAME " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. 
I IMMEDIATELY CONTACTED MY PHYSICIAN WHOM I HAVE NOT SEEN IN NEARLY TWO YEARS AND THEY CONFIRMED I HAVE A XXXX BALANCE AND THEY'VE NEVER HEARD OF CONVERGENT. 

I HAVE TWO SIGNIFICANT CONCERNS, THE FIRST BEING THEIR ABILITY TO IMPACT MY CREDIT SCORE AND THE SECOND BEING IF I WERE  ELDERLY OR INFIRMED I WOULD PROBABLY PAY THE BILL WITHOUT QUESTION. 

SHOULD YOU REQUIRE ANY ADDITIONAL INFORMATION PLEASE CONTACT ME AT XXXX.