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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$820.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fradulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : JPMCB Card XXXX XXXX XXXX XXXX, DE XXXX XXXX There was another fraudulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX No phone number provided
Product: Credit reporting, credit repair services, or other personal consumer reports

They will not update my address to my current address and remove the incorrect addresses from my reports.
Product: Debt collection

Hey, my name is XXXX XXXX and I dont know nothing about this debt or about no money I just move here, in somebody or someone is use my Name and my address I dont know who they is but its not my, I need yall to call me A.S.A.P! ( XXXX ) XXXX whoever doing this need to be find or be in jail because this is false information.. or Ill get a lawyer!!!
Product: Checking or savings account

On XX/XX/19 on a Saturday afternoon. I went on a mission to buy a bed frame but when I realized I wasn't given what I wanted I returned it the same day. The lady who was there told me no she wouldn't do it because her card machine was broken but was so quick to take my money. So I called my bank to dispute it after I looked online on how to do it. I read over what my options were and put it as a dispute of fraud. My bank said that is my fault if I can't get a hold of the store owner. I have written a letter t the store because there are limited options to get a hold of the owner. I feel as no one is taking me seriously because I am an adult. Even my own bank won't help but instead sending letters back to back saying I must pay this now. When I WENT SPOKE TO SOMEONE FOR ADVICE JUST FOR NAVY FEDERAL TO SAY NO WE CAN'T DO ANYTHING FOR YOU.
Product: Consumer Loan

I have a lease with GM Financial. I have asked for the mailing address to be changed XXXX XXXX times now. Still nothing. Now I do not even get a statement.
Product: Credit card or prepaid card

XXXX  XXXX XXXX XXXX XXXX opened an account in my name and Ex-wife 's name years ago without my knowledge. XXXX XXXX has since removed me from the banking portion of the account since my wife and I have divorced, and I explained no knowledge of this account. However, they will not remove my name from the credit portion of the account. I have never used the account, nor do I have access to this credit. I have made attempts to contact XXXX to make the appropriate changes, as well as all 3 credit bureaus with no luck. My credit is affected by this joint account that I have no ownership of.
Product: Debt collection

XXXX Inc, XXXX, WA XXXX. This company sent me a bill to collect the money which was I did n't own, that debt is from XXXX which was I 've never used that services all my life. Please help. I 'm afraid if I do n't do anything they will kept on sending me a bill plus fee which was not belong to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a mortgage loan out in 2009 and the company was bought by three other loan companys. I had expectional payment history until my mining job shut down. However, my credit score is suffering because even though the two other companies shut down and the third company took it over, I still have it in my credit from all three companies as if it is three different accounts, even having different account numbers. I have filed a dispute to have these other two companies to delete the duplicate negatively reported information and they fail to do so.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for these collections to be removed because they were inaccurate. 

XXXX XXXX XXXX XXXX XXXX amount {$0.00}, disputed in XXXX 
XXXX XXXX XXXX XXXX XXXX amount XXXX, disputed in XXXX 
XXXX XXXX XXXX XXXX XXXX amount {$880.00}, disputed in XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX City State Zip : XXXX, FLORIDA XXXX Date of Birth : XXXX Last 4 of SSN : XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, PA XXXX XXXX of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. 

The inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

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

I received a letter recently from Franklin Credit who is suddenly and mysteriously regenerating a bill that was closed out in a foreclosure back in XX/XX/XXXX-XX/XX/XXXX for a property they even have listed improperly at XXXX XXXX XXXX XXXX NC and the physical address was XXXX XXXX XXXX XXXX because the Attorney we hired who was handling everything had committed some fraudulent activity with hundreds of clients just like myself and I wound up with 2 Payments to different lenders at ridiculously high rates and not long after he wound up in XXXX  for this subprime lending scam. 
This is XX/XX/XXXX and this was generated coincidentally on the same exact date that I had called XXXX  complaining about my FICO score being 30 points lower that my XXXX  or XXXX  FICO scores. This regenerated mortgage debt is over 17 years old now and I should not be receiving mail at my Apartment in XXXX XXXX in XX/XX/XXXX for something this old. I am attaching this document and really need your assistance before this winds up on my Credit report.
Product: Debt collection

I VE SENT 5 NOTICES Notice of Conditions of Acceptance 1. Prove who you are : I do not know you. \n 2. Show evidence of a contractual agreement between you and me. \n 3. Provide evidence of how you entered into this supposed two party agreement as a third party. \n 4. Provide evidence of this supposed debt, i.e who it is that is the original creditor? \n 5. Provide evidence of the original amount owed. \n 6. Provide evidence as to how much it is that you are attempting to collect are fees and how much you are attempting to collect is interest accrued. \n 7. Prove Agency. Provide evidence that you have legal authority to attempt to collect this supposed debt, i.e. evidence of your contract with the supposed original creditor XXXXXXXX XXXX. \n XXXX. Prove and identify those individuals whom have first hand knowledge of this supposed account. I NEVER DID BUSINESS WITH A T T i have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( XXXX ) open with this collection company REMOVE IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL... my police report number is XXXX I OWE NO DEBIT AND I REFUSE TO PAY
Product: Vehicle loan or lease

Westlake Financial reflects a charge off with a balance. I have completely paid the account off as of 2018. There was a repossession at one time during the course of the loan, however I did retrieve the car after paying all of the arrearage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 -I CONTACTED THE COMPANY TO FIX MY CREDIT. I WAS CHARGED A LARGE DOWN PAYMENT AND MONTHLY PAYMENT FOR 6 MONTHS AND WAS GUARANTEED THAT MY CREDIT SCORE WOULD GO UP IF NOT I WOULD RECEIVE 100 % OF MY INVESTMENT BACK. I HAVE THE EMAIL THAT STATES THAT -TIL THIS DAY THE COMPANY HAS NOT AND THEY ARE GIVING ME THE RUN AROUND.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian, XXXX, and XXXX regarding inaccuracies on my credit report with the debt collector XXXXXXXX XXXX. The account is still reflecting inaccurate information after requesting for removal due to the inaccuracies. 

Scheduled payment, terms, payment status, and worst delinquent status are all reporting different across the credit agencies.
Product: Checking or savings account

I have too many problems with fiththird bank they don't know how to relay their problems right and they didn't really gibe me all the info on the account and it supposed to be overdraft protection thats a XXXX lie and its a crazy XXXX bank cause the app doesn't even work right
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to violate my consumer rights. 

Violated 15 usc6802 they never gave me the ability to opt out of having non public personal information reported to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account 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 account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX, XXXX XXXX XXXX : {$2900.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming you owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation that I'm dealing with Identity theft is very stressful i work very hard to live a normal life. how can someone try to destroy my life with this fraudulent account that i did not authorize. please remove this account from my credit files thank you.
Product: Consumer Loan

I got a loan with XXXXCash call. they take XXXX out the XXXX of the month. I have been paying on this for XXXX plus years. I for sure already paid this off but I cant find where to log in at to check. the numbers I am calling for Cash call ( XXXX ) goes to voicemail. I am beginning to get nervous as I have read on here lawsuits against them. I am an OHIO resident and believe they are still taking money when they should n't be. PLEASE HELP!!!!!!
Product: Student loan

My payment is current, but I 've received collection calls everyday and there 's also a late fee on my account.
Product: Debt collection

I was a customer of Prosper who notified me via mail on XX/XX/year> that they had not only charged-off : {$2200.00} worth of debt as of XX/XX/year> but also that the debt was then sold to XXXX XXXX XXXX XXXX XXXX. This is an entity that I have had no interaction with nor have I knowingly or willingly gone into contract with them. 

However, they are now fraudulently claiming that I am indebted to them as a result of an elected and unlawful purchase of my private information from Prosper. 

Prosper violated my rights by selling my information to a third party while claiming a loss, but making a profit off of the sell of my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Request for XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, and Experian I am writing to formally request the removal of a {$17000.00} XXXX XXXX XXXX XXXX account from my credit report. This account was recently investigated and successfully disputed on my XXXX secondary credit report. Following their investigation, XXXX completed the process on XX/XX/XXXX, and the account was fully deleted from their records. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy, fairness, and full verification of all information on a consumers credit report. Since this account has been deleted from XXXX, this clearly indicates that the debt was deemed unverifiable. As such, you are also required to remove this account from my credit report to maintain compliance with consumer protection laws. 
Per the FCRA Section 611 ( 15 U.S. Code 1681i ), any information that can not be verified must be promptly deleted. Additionally, failure to remove unverifiable information within the required 30-day timeframe may constitute a willful violation of federal law, subjecting your organization to legal action under 15 U.S. Code 1681n and 15 U.S. Code 1681o. 
I request that you : 1. Verify the accuracy of the XXXX XXXX XXXX account on my credit report. 
2. Remove this account if it can not be fully verified within 30 days or less of this letter. 
3. Provide me with a written confirmation of the deletion. 
Please note that I will not hesitate to pursue my rights under federal law should this unverifiable account remain on my credit report beyond the allotted timeframe. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action to seek damages for any continued violations of the FCRA. 
For your convenience, I have attached supporting documentation, including the notice of deletion from XXXX, to assist you in your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall any of these inquiries to below and had already filed an identity theft 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
Product: Debt collection

A collection company by the name of Contract Callers , Inc. just added a {$57.00} debt to my credit files recently which falsely dropped my fico score by 24 points. I do not believe the debt is correct, and the account in question was closed in XXXX as the house was sold. I have not owned or rented an property that I had to have any type of water account in my name since then. I also never received any notice of this debt prior to now ( it showing up on my reports ) ... no letter, no phone calls, no anything. If i had received anything, I would have been able to properly deal with it. One issue may be that an address listed on my credit file was incorrect, which I have notified all three major credit bureaus about by letter recently. It is also illegal for this to appear on my credit files due to the age of this debt. The date of the 1st late payment on this XXXX XXXX account was well over ten years ago. Contract callers is illegally stating a newer date on my credit files falsely in order to illegally report the debt on my files. I have written to all credit bureaus and to this debt collector as well in an attempt to solve the matter as well. 

Main issue is that Contract Callers put this very old debt on my credit files with a new date opened of XX/XX/XXXX. That is illegal as the date of 1st del was over ten yrs ago.
Product: Payday loan, title loan, or personal loan

I did not take out an installment loan I would never do that in my life. I just found out about my indentify theft two years ago and one from 4 years ago. One was from XXXX XXXX and one is from XXXX XXXX. This is made from a fraudulent person and they had all my info and my password is the same for everything and they had my XXXX  my XXXX  social my drivers license and they also used my boyfriends info like his public business store he owned as the mailing address. But this is all in my name. I just did the other complaint for XXXX  and did XXXX and froze my credit. This is for {$870.00} opened XX/XX/2018. I had two security breeches on my record too. I just want to fix my credit and protect my indenty and take this off my score.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My husband passed away on XX/XX/23. I called my mortgage company to see if we had credit life insurance and was told we did.My mortgage was then was then sold to a new company on XX/XX/23. I have made no payments since because I was told we had the creidt life insurance. Now the new company is badgering me about my account being delinquite.I have been trying to reach my previous mortgage company but all I get is automated and they tell me to contact my new mortgage company. I don't want to lose my home but I did not know to get this resolved.
Product: Credit card or prepaid card

I keep asking Comenity Bank to communicate with XXXX XXXX concerning an item I never received from XXXX XXXX. 
XXXX XXXX refuses to answer XXXX mails or the phone. 
Thre bank is trying to get XXXX fro me and I never received the jacket