23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Enhanced Recovery Corp is reporting XXXX accounts on my credit report that do not belong to me. I have disputed these items several times. I have submitted fraud affidavits. In dealing with other companies I became aware that I must have been the victim of identity theft. A look-up of my names generates several different name and social security number combinations. I am requesting that Enhanced Recovery Corp delete accounts XXXX for {$1500.00} and XXXX for {$200.00} from my credit reports with all of the national credit reporting agencies. I would like this company to also cease all contact with me regarding these accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection from  XXXX   XXXX  for {$2400.00} that has been showing up on my credit report for a couple of years now that I have been disputing. I was staying with my sister during this time frame.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received letter from XXXX  XXXX XXXX and noticed bill for transactions that I did not make. I did not have my card in my possession and did not authorize anyone to use my card. Last time I had my card in my possession on XX/XX/XXXX, I suspect my card was stolen on XXXX XXXX card was used for several fraudulent charges since XX/XX/XXXX for a total amount of {$570.00}. After account closure I was not provided with Bank Statements and had no chance to properly address this issue. Several times I filed dispute with XXXX  XXXX XXXX, XXXX, XXXX and TransUnion. Non of them helped to resolve this issue and correct my credit report information. I am the victim of fraud and Identity theft, but also I am victim of negligent attitude to consumers, er from XXXX  XXXX XXXX, XXXX, XXXX and TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$11.00} XXXX XXXX XXXX XXXXXXXX Balance : {$39.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$70.00} XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are not properly investigating the multiple disputes I have submitted via mail and by this agency. I have disputed the false and deceptive reporting of XXXX over 6 different times. This company is violating my right to a fair and accurate report and even reported back to the consumer that my complaint is FRIVOLOUS! This is a real and valid complaint. XXXX has not provided myself or any credit bureau Validation that I owe them ANYTHING. These are not my accounts and the credit bureaus are not investigating these seriously doing a careless job.
Product: Credit reporting

Equifax did not send me an official Documented informational letter within the aloted time of XXXX days to actually verify that the state tax liens were in fact mine, but relied on some third party Vendor for their information, therefore the tax liens are not mine and should be Deleted immediately and perminiately from my credit files. Equifax have deleted other Unverified information on my credit reports but is determined to dictate what is reported in my credit fileXXXX though All information remains Unverified. Any and ALL incorrect UNVERIFIED information should not be in my credit files in the first place.
Product: Credit card or prepaid card

I have a loan with NELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and NELNET with no successful resolution.
Product: Debt collection

On XX/XX/2022 I received a response from Medical Data Systems in regards to my complaint of them using " Debt Parking '' to intimidate me into paying for a debt I have no knowledge of. They responded saying that they sent out an initial communication on XX/XX/2022 with all the proper disclosures needed to dispute and request validation of the alleged debt. THIS IS NOT TRUE! I am requesting this company show proof of the so called initial disclosure sent to me on XX/XX/2022. If this was the case I would've definitely received it and would have disputed the debt. This company is clearly and knowingly furnishing information on my credit reports without even communication. The CFPB clearly has an issue with inforcing the rule of law with this type of debt collecting practice by this company. By saying the sent the disclosure with no proof is ridiculous. This matter should be addressed asap. To have a company get away with this practice shows the complicity of the CFPB. I will be directly disputing this matter with the company, asking for proof of deliverability.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.
Product: Credit reporting or other personal consumer reports

Please delete the following inquiries this not mine. I send dispute for several times since last month here 's the list 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had deleted all items I had disputed. Then A month later they put all items back on my credit report XXXX and XXXX  I asked the company to delete the items and they did not they reinvesticated and added other items on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted XXXX complaints to Transunion through the CFPB. XXXX of them was sent through the CFPB on XX/XX/XXXX Complaint # XXXX and another complaint submitted on XX/XX/XXXX Complaint # XXXX. The first response from TransUnion was sent through the CFPB on XX/XX/XXXX that claimed that XXXXXXXX XXXX ACCT # XXXX was deleted and XXXX ACCT # XXXX was deleted from my consumer file/report. On the second response from TransUnion through the CFPB on XX/XX/XXXX, they took also stated they XXXX XXXX  ACCT # XXXX was deleted from my consumer file/report. However, according to the paperwork of my disputed results I received in the mail on XX/XX/XXXX, both of these accounts came back verified. How did they come back verified if stated in the CFPB non-monetary relief section of the results of the dispute that they were deleted? XXXX demanding these XXXX accounts be deleted since that is what the verdict was in not XXXX, but XXXX CFPB responses. XXXX this day, XX/XX/XXXX, both of these accounts are still reporting on my TransUnion credit report. Please delete these XXXX accounts accordingly. Please see attachments of both CFPB responses from TransUnion and attachment of the most recent paper dispute results from TransUnion for evidence and proof. TransUnion said they would delete these accounts, but they did not delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$540.00}, XXXX  is reporting an opened date of XX/XX/XXXX with no balance, and Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$540.00}, XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX is not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX with no balance, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$530.00}, XXXX XXXX Account XXXX XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$1500.00}, XXXX  and Equifax are not reporting this account, XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$850.00}, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX with a balance of {$850.00}, XXXX Account Number XXXX XXXX  is not reporting this account, XXXX  is not reporting this account and Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$810.00}, XXXX XXXX XXXX Reference Number : XXXX XXXX  and XXXX  are reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, Equifax is reporting a filed date of XX/XX/XXXX with no closing date. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/2024 about the 14 unrecognized hard inquires on my credit report and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXXXXXX  Date of inquiry : XX/XX/2019 This is not mine. 

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

3. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/2019 This is not mine. 

4. 01 XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Please delete all my inquiries they were never authorized, my information was compromised
Product: Credit card or prepaid card

In XXXX of 2019, I was released from my job due to a medical condition and my income was cut by 30 %. During the months of XXXX, XXXX, XXXX, XXXX, and XXXX, I was unable to keep up with my credit card payments. I called and informed the company of my hardship and I would pay everything in full once I was able to. The representative I spoke with encouraged me to send in a letter stating the reason why I was unable to pay in full so that the late fees and reporting late to my credit report would be removed. The account was paid in full XXXX of 2019 and has been current since, but the late payments have not been removed from the months stated above, causing a decrease in my credit score. If I could get that handled like I was promised that would be wonderful. Thank you!
Product: Debt collection

I.C. Systems, Inc is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Mortgage

Ive been trying to get phh mortgage to pay my property taxes for XXXX years Ive been on multiple calls with them and the XXXXXXXX XXXX XXXX XXXX  both at the same time and still havent gotten it successfully paid and now this years has been rejected too
Product: Credit reporting or other personal consumer reports

I have been trying to resolve this dispute for XXXX years. When XXXX hit, XXXX offered an alternative payment plan, which they advertised on their website and to their customers. Due to the global emergency, customers were put on a plan to pay less and not be reported. I was put on this plan but started getting reported each month. I have never had late payments until XXXX. I contacted them multiple times and explained that they had put me on the global emergency plan, and they agreed that I was not supposed to be reported. Despite this, I have been reported almost XXXX times for two separate loans, and there has been no response from XXXX. They continue to threaten to charge off, and I continue to make payments as best I can, but I can not catch up with the past due amount. I would not have any past amount if they had never put me on the plan and reported otherwise. They fraudulently placed me on a plan and reported me as delinquent even though I made the new payment as required. I have documentation over the last three years to show they lied and continue reporting me. I will be seeking legal remedy with the state attorney general as well. These fraudulent practices shall not continue. They put me on a plan I didnt need, had me pay a different balance, and lied and reported me for not paying enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked so hard to get where I am right now I've been paying this monthly but here I am asking your help to remove the late payment remarks on these accounts that should have not been in the account in the first place!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts constitues a FEDERAL CRIMINAL VIOLATIONS punishable under 18 U.S.C. 1001. Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

Back in XXXXXXXX XXXX XXXXXXXX I received a statement with an annual fee. I called XXXX XXXX Bank to get the fee removed and close the account. Every thing was done or so I thought. In XX/XX/XXXX I noticed on my credit report that there was a balance and my account was flagged 30 days past due. Right away I called and was told that they see that I closed the account and should not be a balance. I have called XXXX XXXX multiple times and filed multiple disputes with Experian to try to get this taken care of. Last call to XXXX XXXX was last week and again I was assured that the balance was XXXX and that the late reports would be updated in their next reporting on XX/XX/XXXX. Well the balance has been updated to show XXXX but the past due ( 30 days and 60 days ) has not been. My credit report is still minus XXXX points because of their error. I have never made a late payment to them and at this point in my life ( trying to purchase a house ) I would not have risked a negative impact to my XXXX XXXX for {$100.00}, after years of trying to improve my score. I have had multiple accounts with them over the years and never was late. I am not getting any where contacting their customer service.
Product: Mortgage

I refinanced my mortgage with Wells Fargo back in XX/XX/XXXX. They sent me a copy of the satisfaction letter at that time which also goes to XXXX XXXX to show that the mortgage has been satisfied. Wells Fargo sent this information for a property in Minnesota. I found this out while trying to close on the sale of my home back in XX/XX/XXXX. In order to close on the sale, I had to leave money in escrow with the Title company until this gets cleared up. Wells Fargo has been giving us the run-around with no responses, wrong responses. They sent the wrong response twice to XXXX XXXX. I can not seem to get them to understand the gravity of the situation and their lack of timely/correct information is now jeopardizing my ability to close of my new home since my money is tied up in escrow. 
Help please!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( Auto Financing Companies ), Inquiry date : XX/XX/2019 - This inquiry does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

My personal information may have been compromised due to Experian data breach, potentially falling into the wrong hands. As a result, I have identified unrecognized collection accounts on my credit report that must be deleted immediately. The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have attempted to contact Trident Asset management several times with no luck in my desperate attempts to resolve and remove the collection they are wrongfully reporting on my credit report. However, all of my attempts went wasted for the past several months. I have received XXXX communication from the collection company. I have contacted the bureau who stated that collector verified the info and they could not remove it, and that I had to contact the creditor for the deletion letter directly but there is NO communication from this collection company to me! 
they are fraudulently reporting this collection which they have failed to validate and ignored all my attempts to contact them.
Product: Checking or savings account

In XX/XX/XXXX, I discovered an allotment of {$35.00} bi-weekly from my payroll ( with the U.S. Postal Service ) to PNC Bank. When I called the bank, the bank told me there was no record of this allotment. I cancelled this allotment on XX/XX/XXXX. I fell ill, and forgot about this problem. Recently, I ran across the printout from the Postal Service where I cancelled this allotment to PNC. I decided to pursue this inquiry, as I do not recall ever authorizing this allotment or withdrawing any money that went to PNC Bank. I provided PNC Bank with a copy of the allotment cancellation, which included the Routing Transit Number XXXX, Account Number XXXX, Account Type Savings and Amount {$35.00} bi-weekly. I sent this information to PNC Bank by certified mail. PNC Bank replied on XX/XX/XXXX stating they are " unable to locate an account on file at PNC Bank ''. Signed only by " PNC Bank Retail Operations ''. I don't know how many times the {$35.00} allotment went to PNC -- I didn't catch this allotment till XX/XX/XXXX. I don't know if there's been any fraud involved, but my money seems to have disappeared. I would appreciate it very much if you would investigate as I am not getting any cooperation from PNC Bank. Thank you.
Product: Mortgage

Hi I had an agreement with amerisave to refinance my mortgage .3 % intrest Closing cost XXXX and a XXXX cash back at closing After paying the XXXX dollars and submiting all the paper. 
They send another agreement completly different 3 % closing cost almost XXXX And XXXX cash back Let me know if you need more information Phone number
Product: Credit reporting or other personal consumer reports

I have an additional account listed on my credit report that causes me concern. I would like the below accounts reinvestigated and removed for inaccuracies. These accounts continue to severely affect my credit rating ( XXXX XXXX XXXX XXXX ) Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Please see referenced accounts below : XXXX. XXXX XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN I-TIN NUMBER AND NOT A SOCIAL BUT DESPITE THE SMOUNT OF LETTERS SENT TO THE BUREAUS REQUESTING A REPORT, NO ONE HAS SENT ONE. IN FACT, XXXX, AND EXPERIAN HAS SENT ME A FORM CHARGING ME {$9.00} WHEN I NEVER RECEIVED MY FREE REPORT. XXXX HAS YET TO RESPOND. I DON'T KNOW WHAT TO DO. I NEED MY CREDIT REPORTS TO SEE WHAT I NEED TO DO TO RENT AN APARTMENT. AS OF NOW ITS BEEN 3 MONTHS SINCE I STARTED REQUESTING THIS INFORMATION AND HAVE YET TO RECEIVE IT. CAN YOU PLEASE HELP ME REQUEST MY REPORTS FROM ALL 3 BUREAUS PLEASE. IM INCLOSING ALL MY DOCUMENTS OF IDENTITY. IM KINDLY REQUESTING ALL 3 OF MY REPORTS. I DO NOT HAVE AN SOCIAL, I HAVE AN I-TIN NUMBER.
Product: Debt collection

This debt never existed. It was a mistake on XXXX end, my account was opened in XX/XX/XXXX and was always paid in full and was officially closed in XX/XX/XXXX. 

The XXXX employee who closed my account never noted my account. It took approximately six months after my new service was initiated with XXXX to finally shut that account down. 

All of this is documented, and was never a collection in the first place. 
I am demanding that this harassment to collect a non existent debt stop immediately and all debts and information relating to this account be removed from my record at all XXXX US Credit Bureaus.