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

ON XX/XX/2019 I HAVE PREVIOUS SENT IN DISPUTES TO TRANSUNION, XXXX AND XXXX AND the scope of the dispute outlined on a XXXX WAS NOT PROVIDED AS REQUIRED BY FCRA 611 ( 15 U.S.C. 1681I ) I NEED THESE ITEMS REMOVED XXXX Account # XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED XXXX BANK Account # XXXX PO BOX XXXX XXXX XXXX, NY XXXX BYMAILONLY THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and notice several inaccuracies on my account .This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I'm asking you to verify as accurate. 
Account Name : XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

Despite multiple notifications to XXXX regarding the constant reporting of an incorrect amount owed by SATURN SYSTEMS - XXXX, the issue persists. I have repeatedly informed XXXX that I have never made direct payments to SATURN SYSTEMS. Instead, I make payments to the original creditor, XXXX XXXX, for which I owe only {$300.00}. Any medical debt under {$500.00} should be promptly removed from my credit report. Please refer to the attached recent bill from XXXX, which clearly indicates a balance of {$300.00}. 

Failing to rectify this account after being informed of its inaccuracy would be a violation of my rights under the FCRA. Enclosed, you will find copies of the bill showing a {$300.00} balance owed. 

I'm also attaching proof that XXXX is allowing the reporting of the balance owed to constantly be increased and decreased. It is now increased to showing over {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A prior report has been filed in relation to the problem at hand. Someone somewhere is using my credit information and applying for credit card, loans, lines of credit and mortgages which is hurting my score and putting over sixty credit inquiries i do not recognize on my report. I would like these inquiries that were not initiated by me to be removed from my credit history as they are fraudulent.
Product: Debt collection

XX/XX/23 I was hit on my credit report by Amsher Collections AGAIN for the same amount of Debt {$1200.00} this is not my debt, I did not make these charges it is affecting my credit tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 there were many inaccurate accounts on my consumer report, which these inaccurate accounts are affecting my credit report I never got any validation for any of these close accounts nor for the inquiries that stated on my consumer report I was never contact by the credit agency Equifax, for a reinvestigation nor the companies havent seen a written consent proof that states that these accounts belong to me a file, the FTC report as well. I stated that these accounts had to be removed. I sent letters stating the accounts that were inaccurate which they were not resolved. I also stated when I spoke to Equifax, about the data breach that happened within the company that was not addressed as well. I am trying my best to be able to work with this company, knowing that I can not in trust any personal information with the company do to them, allowing my information to be leak not only I gave them a chance to be able to do the right thing and to be able to resolve the issue but they did not clear the accounts that were affected my credit report I would like proof of consent and original contract with these companies. And also I would like to know why is my credit score a different score with XXXX XXXX  and also a different score with XXXX and also on the website of Equifax I would like for my credit score to be accurate and updated as well I received phone calls different companies that I never gave my information to stating that I open the business account. And also I want to add that is XXXX resolve the issue with the inquiries that was found inaccurate on my consumer report data also be removed off of all other credit agencies
Product: Credit card or prepaid card

I contacted XXXX XXXX to help me to determine which of my debts are legitimate. I heard from a company called XXXX, which told me that I had to begin paying on the blll right away. They did not give me any indication about their being legitimate, and the settlement that they offered wasn't any different from what the credit card offered. I have many debts, including a humongous student loan which I've not heard from lately, but which is still on my credit report. I also have a car credit company that is still demanding that I pay on a bill that was long destroyed in a car accident. 

I mention these things because they still are on my report, and I can't pay them because I have not been hired as a XXXX after XXXX years as a XXXX  with a XXXX  '' XXXX degree in Education. 

I am asking for help from you to establish the legitimacy of TrueAccord. Here is their information, from their website : Email : XXXX or call us toll free at XXXX Office Hours : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX
Product: Credit reporting or other personal consumer reports

Wells Fargo opened and account on XX/XX/XXXX with credit limit of {$3700.00}. Account was charged off on XXXX XXXX for {$3500.00} according to XXXX report received on XX/XX/XXXX. Dispoition is account charged off. I have never received a 1099-c for irs tax purposes on this account even though the lender has written the money off on their taxes. this is fraud upon the United States Treasury and I request I be sent the proper irs documentation or the account be deleted off my credit report
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding errors and inaccurate reporting on my credit file. These discrepancies highlight significant inaccuracies in how these negative items are being reported across the XXXX bureaus. XXXX has already deleted most of the disputed items, leaving only XXXX remaining, while TransUnion and XXXX continue to report conflicting details.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX - XXXX
Product: Debt collection

I was approached after a year with a debt that I feel I dont owe. I explained this to the company and requested a debt validation ... they responded 3 days later with call us ... I then expressed my concerns and explained I paid all my debt to the company they are trying to collect for and again ask for a debt validation letter via email with no response.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is supposed to be deleted Debt is not own, or mine Account was deleted then came back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a certified letter to Equifax to dispute unauthorized inquiries that were listed on my credit report. My dispute was received by Equifax on XX/XX/XXXX. In my dispute I requested for the removal of seven unauthorized inquiries. I did not authorize any of the disputed inquiries in writing or verbally. These inquiries occurred on two different dates XXXX XX/XX/XXXX & XXXX XXXX ) in a state/s where I do not reside. The Equifax website stated that my dispute was completed on XX/XX/XXXX. When I reviewed my inquiries online, all of the inquiries that I disputed were still listed. I then contacted Equifax via telephone to find out why my dispute of these unauthorized inquiries were denied, and I was told that I needed to contact the lenders who reported the inquiries which I had already done. When I requested a copy of the description of how the investigation was conducted, Equifax denied my request and sent me a copy of my credit report in the mail. I also requested copies of an application or any other documentation that shows that I authorized the lenders to obtain my credit report. Documentation should have been submitted to Equifax by all of the lenders who reported these inquiries if I authorized them to obtain my credit report. I did not authorize any of the disputed inquiries neither did I have knowledge of these inquiries. Equifax denied my dispute as if the unauthorized inquiries that I disputed were proven as factual from an investigation that never took place. Equifax violated the Fair Credit Reporting Act by through it's failure to reasonably investigate the disputed information.
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 XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, USDOEXXXX XXXX, USDOEXXXX XXXX 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 mo

re than seven years. 15 U.S.C. 16881s-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: Mortgage

I have made numerous attempts to contact Homebridge Financial Services, Inc regarding my escrow refund in the amount of {$2300.00} since XX/XX/XXXX and they refused to send me the refund. Instead they have forged my name on the back of a check that I never cashed and they refused to provide the banking information where check was processed. I have repeatedly spoke to numerous reps that admitted check was not cashed or submitted to my residence. During this process I spoke to several representatives on : XX/XX/XXXX, spoke to XXXX employee # XXXX stated check was mailed to XXXX XXXX XXXX XXXX but was never cashed and she submitted request to reissue check. On XX/XX/XXXX, I spoke to XXXX at extension XXXX, which stated check was never cashed and she completed a form to expedite check to be mailed to my residence in 10 days. On XX/XX/XXXX, I talked to XXXX she stated see previous notations from other representatives in her organization that check was in process to be mailed. On XX/XX/XXXX at XXXX XXXX I spoke to XXXX XXXX XXXX through email she stated check was mailed on XX/XX/XXXX. On XX/XX/XXXX at XXXXXXXX XXXX, she verified that the check has not cleared and would like to proceed with it being reissued to my residence. On XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX stated she received a call that check was cashed and cleared on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX stated according to your Servicing Accounting Department the check was cashed by XXXX XXXX, a subsidiary of XXXX XXXXXXXX XXXX XXXX. Then, XXXX XXXX XXXX stated if check was cashed by someone else other than myself, I need to file a police report and submit to Homebridge Financial Services , Inc, so she can complete fraud paperwork. I filed a police report and submitted document to Homebridge Financial Services, Inc office. I am requesting assistant to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, MACYS/DSNB add a hard inquiry on my credit report per XXXX.
Product: Student loan

To whom it may concern, I attended West Virginia XXXX XXXX for a few months back in XXXX. I was struggling to make ends meet. I ended up having to work 2 jobs and go to school. I didnt have a stable support system then as I was just leaving you the XXXX XXXX XXXX. I feel like XXXX took advantage of my vulnerable situation and exploited my ignorance. I was only XXXX when I made the mistake of going to this private school. The school shut down years ago but Navient is still attempting to collect {$5000.00} from me for an education I never received. Please help me.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I should have been charged {$150.00} XXXX from XXXX company called XXXX XXXX. Instead I was being charged by both XXXX and XXXX XXXXwhen they are the same company. And I only been using XXXX XXXX since XXXX.
Product: Debt collection

On XX/XX/2023 a collection account not belonging to me and that I'm not responsible for was reported to my XXXX credit report by " Rent Recovery Solutions LLC ''. Upon calling them, they couldn't find my information and told me if they reported it to the credit agency was because that's the information they received from the original creditor, then I asked them, how come you report someone information that you can't even verify and find the information in your system, then told me to call the original creditor ; upon calling the original creditor, they told me that they don't have no one and never had no one in with my information living there ( SSN.DOB.NAME ) or in their system. 

I called back the collection company again and told them that I called the original creditor and that they told me, that no one with my information ever lived there. 

after doing my own investigation, the account reported to my credit report belongs to my brother, we share similar names and our SSN differ by 1 number. after contacting my brother, he said that the same collection account is showing on his credit report and that he is aware of the debt and he never used my information. 

in the attached documents you can see that the information is not mine and that's the information that Rent Recovery Solutions has in their files. My SSN doesn't end on XXXX, my name is not XXXX and I do not live in XXXX, MA. I live in California.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to Equifax advising that the debt reported for {$200.00} by XXXX XXXX XXXX was fraudulent and that I am a victim of identity theft. I was originally made aware of my identity being used back in 2013 when someone filed a tax return under my social security number, name and other personal information. I filed a police report in XXXX, GA at this time. I submitted this proof to Equifax and also to XXXX XXXX and have also completed an identity theft affidavit along with my driver license and notarized statement. However Equifax continues to report this derogatory information on my credit file.
I spoke with XXXX at Equifax fraud department and expressed that I have never done business with the original credit XXXX XXXX and they this is a fraudulent crime. I have also requested validation of this debt from Equifax in which they have not provided.
Please see attachments that were submitted to Equifax and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I never went to college, but I have 2 opened accounts, from the same loan company, but different amounts of what's owed. The consumer reporting agencies need to report all information with complete accuracy. This account is not mine. Ive attached a copy of my report to this complaint on the following dates XX/XX/07 for each one. I'm now requesting you investigate and provide verifiable proof with records showing that I had these loans. If this information can not be verified. I demand these loans be updated and removed immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

I will start by saying I like Chase and the representatives have nice.I opened an account with Chase Bank on XX/XX/2018 after I saw.a advertisement online for {$200.00} bonus to open a checking and a {$150.00} bonus to a savings. This is granted if you meet the requirements of adding a {$25.00} deposit and getting direct deposit of {$500.00} or more within 60 days. I have met the requirements and called to check the status of my bonus and they stated a promo code does not show on my account. I explained to the rep that when you apply online it tells you that if you want to print the code and go into the branch enter your email address. If you want to apply online promotion automatically applied. I selected to apply online following the same links and now they wont honor the promotion. I have called the bank and talked to 3 managers and they stated I have to have a promo code even though online it says you dont need one. I attached a screenshot for them to review. The last resort is to go into the bank which is very hard because I work XXXX and sometimes on Saturday. I think chase should take care of me because I did everything asked and closed my other accounts for this offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. You had more than 65 days, at the time you responded. XXXX submitted to the CFPB on XX/XX/XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}
Product: Credit card or prepaid card

I recently changed my checking account to pay for the regular monthly payment to American Express. However, an assailant or a criminal overdrafted a {$130.00} payment from my XXXX account to American Express. They caused me to overdraft the XXXX checking account. I think that someone at American Express, illegally, went online and accepted a payment of almost {$300.00} to ruin my checking account. Basically, they went online at American Express and authorized a large payment so that they would continue to ruin my account at XXXX and American Express. I was supposed to be in a payment plan at American Express and my normal payments would not go over {$40.00} per month.