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

On XX/XX/year> I requested the company to delete the incorrect and inaccurate items on my credit report and the company denied my request The items below need to be deleted because they are inaccurate on my credit report according to the fair credit reporting act XXXX. XXXX ( Account Number : XXXX ) ** The balance is inaccurately reported as {$0.00}, even though the account remains charged off. Additionally, the high balance listed differs from other reports. 
XXXX. XXXX  XXXX ( Account Number : XXXX ) ** There are discrepancies in the balance owed and payment history when compared to other credit bureaus. The account was supposedly resolved, yet it is marked as charged off. 
XXXX. XXXX ( Account Number : XXXX ) ** There is a discrepancy between the last verified date and the reported balance owed, which conflicts with the closed status. 
XXXX. XXXX ( Account Number : XXXX ) ** The account shows a {$0.00} balance, despite being charged off, with no reflection of the debt being transferred. 
XXXX. XXXX XXXX ( Account Number : XXXX ) ** The account is noted as disputed but resolved, yet this status is not updated. 
XXXX. XXXX ( Account Number : XXXX ) ** The account reflects ongoing repossessions without clear resolution, despite being listed as closed.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX Subject : Dispute of Late Payment Information # XXXX Dear Sir/Madam, I am writing to dispute inaccurate information reported on my credit report by, XXXX  XXXX that appears on my credit file. 

The details of the accounts in question are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Late Payment Reported : XXXX XXXX XXXX XXXX XXXX Despite my attempts to resolve this issue directly with the creditors mentioned, I have not received any response from them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information ( Section 611 ). I request that you investigate the incorrect information reported and correct or remove it from my credit report.

Additionally, I would like to remind you that, under Section 623 of the FCRA, information providers ( in this case, XXXX XXXX ) are obligated not to report false or inaccurate information. Since I have not received a response to my direct disputes with the creditors, I am requesting that you, as a credit bureau, take the necessary steps to ensure the information on my report is accurate.

Furthermore, in accordance with Section 611 ( a ) ( 6 ) of the FCRA, I request that you notify me in writing of the results of your investigation, and if any changes are made to my report, please provide me with a free copy of the updated report. I would also like to remind you that, should this inaccurate information not be corrected, I have the right to seek compensation for any damages caused under Sections 616 and 617 of the FCRA.

I am enclosing the following documents to support my dispute : 1. A copy of my credit report with the disputed items highlighted. 



I would appreciate a prompt and effective resolution, as is my right to an accurate credit report under the FCRA. I look forward to receiving an updated copy of my report once the investigation has been completed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1 ) My credit report is reporting an address that does not belong to me. I have never lived at the following residential address, please remove from my credit report. XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX ) The following inquiries on my credit report do not belong to me : a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion all have been inaccurately reporting inaccurate info on my credit reports from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Several attempts to have them fix the have been made and collectively they all have replied similarly : " the info on your credit report is accurate and been verified ''. The fact that these XXXX companies along with the XXXX credit bureaus have reported inaccuracies for the past XXXX years has cost me and my family greatly and they have no shame about it.
Product: Debt collection

XXXX XXXX along with Aldridge and Pite are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX ) illegally. The first problem, XXXX does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. XXXX, XXXX claims to work on behalf of The XXXX XXXX XXXX XXXX  XXXX ( the alleged creditor ). Aldrige and Pite claims to work as a Power of Attorney for The XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The XXXX XXXX XXXX XXXXk XXXX is not the secured creditor, nor have they invoked XXXX or Aldridge and Pite to collect a debt. We also had a Licensed Financial Private Investigator cross reference our findings please see attached. XXXX has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. XXXX and Aldridge and Pite are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. XXXX, XXXX refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. XXXX, XXXX in connection with Aldrige and Pite are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX has been selling this old credit file to different 3rd parties like XXXX and others for the XXXX years. 
The credit file has been removed from my credit report several times due to information being stolen to initially open account. This has been going on for at least 10 years. 
Now Jefferson capital has this credit file. I am reporting them because I have received any validation of debt. Also, tactics they are using to try and obtain debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 names has violated my right. 
15 U.S.C 1681 section 602 A. States I have 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: Credit reporting or other personal consumer reports

Several disputes were made over the past two months, my last complaint was placed over the phone and now it seems as if it wasn't put all the way through because i am not getting updates. ALL INFORMATION AND POLICE REPORTS WERE SENT. At this point they are purposely not removing things nor sending in proof from the disputes from these alLedge creditors. I AM REQUESTING FOR A REMOVAL OF ALL THINGS I DISPUTED WITH TRANS UNION. ALL DOCUMENTATION WAS SENT
Product: Credit card

On Sunday XX/XX/year>. I was notified there was an issue with the credit card. I called Barclays and it was determined to be fraud. There was an {$18000.00} transaction that did not go through. The card was closed and another replacement was to be sent. I received the card and Barclays will not activate. They wanted some kind of code I don't have. They also wanted my social security card faxed. I sent my drivers license to authenticate. They will not accept. My identity theft support advised against exposing my social security card via fax. Aside from the fact I'm not a business and don't have a fax. 
My cell phone was stolen from XXXX and use for 2 step verification to my XXXX and other accounts, including Barclays. 
I had a credit to the card for {$5000.00} last Tuesday. I have no access to my funds. I have been with Barclays for 20+ years. I need what monies I have during this identity theft process as my bank account was also broken into. 
Police and FTC report filed. 
The above info was sent via fax to Barclays, with no acknowledgement of contents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights 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.
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. 
Account name : XXXX # XXXX Amount {$2400.00} Account name : XXXX XXXX  # XXXX Amount {$3500.00} Account name : XXXX XXXX  # XXXX Amount {$4900.00} Account name : XXXX XXXX # XXXX Amount {$11000.00} Account name : XXXX # XXXX Amount {$9300.00} Account name : XXXX XXXX XXXX XXXX {$11000.00}, 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. 
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Product: Mortgage

- I am in the military as a reservist and ended up going on  XXXX   XXXX  for a period of time  XXXX ,  XXXX  and  XXXX  while  Chase  held my mortgage loan.    JP Chase  had my mortgage with an interest rate of 5+ but under  6  percent.    JP Chase  offered to lower my mortgage interest rate to  4  percent which they advised they do for all service members that end up on  XXXX   XXXX  orders. Soldiers & Sailors Relief Act I just received a letter from the IRS that I owe money for unreported income  JP Chase  NEVER EVER advised that while they lower your mortgage interest that they report it as income at the end of the year.   -- what would be the purpose of having your loan reduced if they are going to slam you at the other end. The  1099 Miscellaneous sh ould have been a 1099C ( debt reduction ) as they are saying they are offering the military a benefit.  <P/> This is outrageous and not explained by the folks you speak with on the phone.   Chase offers themselves to be such a military friendly organization. You submit your orders and that is all they require.  <P/> I do n't feel that I had unreported income, this was an offer on their part of offset a debt.  <P/> /r  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a company XXXX  auto financing ran a credit report without my knowledge or consent. I called the company to see how the obtained my information and was told that after report is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of this happening. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft. 

thank you
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 USC1681. 
XXXXXXXX XXXX XXXX ACCOUNT XXXX DATE OPENED XXXX XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XXXX Has violated my rights. 
15 U.S.C 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 A SECTION 2 : IT STATES A CONSUMER REPORTING AGENCYCANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCYMAY TAKE ANY CONSUMERREPORT CONTAININGANY OF THE FOLLOWING ITEMS OF INFORMATION.ANY OTHER ADVERSE ITEEEEEM 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 THEPERSON KNOWS OR HAS A REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE
Product: Debt collection

XXXX account was open in my name last XXXX in Alabama and I dont have XXXX!! I have XXXX and I live in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern. 
My name is XXXX and since 2008 or so I have been a victim of ID Theft. There are some Banks on my credit report that are either my family 's or opened by ID theft. I received information on how to dispute items opened by ID THEFT from the CFPB Website. I used that template and made an FTC Affidavit & Report Number : XXXX. I also signed the dispute letters and received a response saying I did not send this in myself or authorize it. But I did authorize this dispute from XXXX XXXX XXXX. I have not received any response from Equifax, the Tracking # is XXXX XXXX
Product: Mortgage

I reached out to them in regards to getting a home loan and was told to get an appraisal 2 inspections pay the ernest and dudiligence fee which I did and they day of closing I get told by Also they are stopping the check not and I now have to find a whole new place to live since my current residence lease was up and I was told to turn in my 30 day notice because I was set to close yet the day of closing told me they could n't approve it after I have the documents telling it was approved so I spoke with XXXX she said to submit the receipts and stuff for what I spent so I could get refunded which I did n received no response so I did a BBB complaint a XXXX calls me said he has no record of the loan or anything I was stating I told him all my transactions are with usaa it 's all there he hung up on me and responded to the complaint as completed and satisfied I responded back to the complaint and XXXX reached out XX/XX/XXXX I asked her to call me back in an hour because I was at work I get an email like I stating she tried to reach out to me which was a lie she only called the one time and I answered she said she would call back and did n't so I responded to the email stating no one called me she then called and would n't let me talk kept over talking me telling me she did n't have any record or anything and I needed to send it to her which I said I would and but would want to be compensated for this as she should have it and I should n't have to keep doing the same thing over and over it was a stall tatic and we hung up she sent an email stating if I had any other questions to call her and stated things she never said so I wrote my response she called back and called me all sorts of liars telling me I was n't told what I was because no one there would tell me I would get anything back and that she called the company the errnast the to money was sent to and I needed to get it from them but she ca n't help me and I ca n't speak to anyone else she was reading notes that people left and I asked for the names she said I already had and refused to give it to me and asked to speak with someone else she wouldnt allow me to told em there was no one above here and even if I wrote a letter it was coming to her I got mad because she wouldnt stop over talking me and I said some rude things she hung up I called back she sent me to voicemail I left a message that she was incompetent at her job and I would tell a lawyer because she doesnt run USAA and I researched attorneys and came across you I hope you can help me this has been going on since XX/XX/XXXX
Product: Debt collection

Reached out to XXXX XXXX and company informed me that they have ceased collection towards this debt company stated " This is in response to the complaint we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX regarding the Onemain Financial debt that we acquired in her name, which is now associated with XXXX Reference # XXXX. We have reviewed our XXXX XXXX XXXX , XXXX records, and records do not reflect receiving a request for validation of this debt directly from XXXX XXXX prior to this complaint. However, in an effort to resolve this matter, we have closed our file and terminated collection efforts on the debt. XXXX XXXX XXXX , XXXX has not reported this debt to the credit bureaus. Thank you for the opportunity to respond. " Onemain should remove debt since XXXX XXXX XXXX has ceased collection toward this debt so Onemain should remove this account completely off my credit report since they referred this debt to XXXX and XXXX is stating they do no have ownership of this debt and Ive made multiple attempts to reach out to onemain to remove this inaccurate information from my credit file.
Product: Debt collection

Hello, good afternoon, my name XXXX XXXX, I had a big problem with the discover card account which was opened in my name by another person, I have contacted the collection department to solve this situation, the debt is {$2400.00}, which the Account, its limit was only {$2000.00}, the collection company reduced the debt to {$1200.00} but according to them it will not delete my credit report, I think it is very unfair that with this situation of covi19 which has not left a big mark, huh I am left without a job even my city is not working 100 %, I am in desperate greed since a thousand times I have let this collection agency know that this account was opened by another person, I sent a police report to this agency, eh I sent proof but they do not want to eliminate from my credit report this debt is not open by me, please for consideration since the same government has said that said debt will be forgiven I need you to have the consideration for said situation to take into consideration my request to eliminate this debt from my report
Product: Debt collection

I made contact with National Enterprise Systems. The representative said I owed from an account they had purchased in order to collect. I asked what account and the representative said it was a loan under XXXX XXXX XXXX. which had gone bankrupt. I asked when was this opened and the representative said XXXX. I asked how much and the representative said XXXX. The representative then said National Enterprise Systems owns the debt now and we will settle for a payment of XXXX. I explained to the representative that I had no student loans and no debt dating back to XXXX. I also explained that my ID, social security number and personal information had been used to open fraudulent credit and bank accounts dating back to XXXX. I told the representative I had filed a police report and FTC report stating this account was fraud. I demanded National Enterprise Systems cease with their frivolous attempt to collect under the Fair Debt Collect Practice Act of the state of California as I had referred the matter to my attorney, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B obligates us to delete any incorrect accounts from my credit report. Would you mind checking the documents? Some accounts have wrong reporting details, amounts, and dates.