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

Hi XXXX ; how are you? I'm looking at my credit report and the balance still reports incorrect, incomplete, and unverifiable. If you see, I have a confirmation number # XXXX for {$1500.00}. This is paid but it's reporting incorrect and erroneous! It's taking more than 60-90 days and still not resolved. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported to the credit reporting agencies regarding my account with XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) and other relevant laws, I am entitled to accurate and verifiable information on my credit report. 

Details of the Dispute : Account Details : XXXX XXXX XXXX XXXX Account ) Inaccurate Reporting : Late payments, including 120 days past due, have been inaccurately reported across multiple months, despite discrepancies in timing and reporting across credit bureaus ( XXXX and XXXX ) XXXX 
Legal Concerns Raised : Permissible Purpose ( FCRA Section 604 ) : You are required to ensure that any information shared with credit reporting agencies is accurate and only for permissible purposes. The reporting of inaccurate delinquency status violates this obligation and infringes upon my rights under the FCRA. 

Privacy Act of 1974 : I have not provided consent to share or report incorrect and unverifiable information. Reporting incorrect details not only violates the FCRA but could also constitute a breach of my privacy rights under the Privacy Act of 1974. 

Timing of Payments ( FCRA Section 623 ( a ) ( 5 ) ) : Under the FCRA, furnishers of credit information must ensure the accurate timing of delinquencies and ensure consistency across all bureaus. The reported 120 days past due status lacks proper timing verification, as evident from the discrepancies in the reporting date.
Product: Consumer Loan

This situation is getting very frustrating and is now affected my state of well-being do to the way Modern Finance is conducting business. on XXXX/XXXX/2016 paid {$1000.00} and noticed my receipt i got back after i made the payment that next due was XX/XX/XXXX2016.requested that they fix it and if i can get a new receipt with corrected amounts but they crossed it out with a pen and hand write XXXX/XXXX/2016. Now i got emails from XXXX XXXX dated XXXX2016 stating i get in contact with her in regards of the account. on XXXX2016 received another email letting me know that she recieved a payment for {$9000.00} and attached copy of check. which Modern Finance failed to post on to my account. If they think that they are gona continue to do this they are wrong my next step will be to push this threw the courts and hold XXXX XXXX and Modern Finance liable on there face for any additional fees I come by.all my receipts and paper copies show all the erroneous inputted data from XXXX there for hope that CFPB can help with this situation again.
Product: Debt collection

Left detailed voicemail message on a work phone that is not private. I was informed of this message by a co-worker. I have spoken with this company in the past who also refuses to provide me with any verification of what debt they are calling about. They have been asked to not contact me at work in the past but still call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report XXXX XXXX in error on my credit report. I disputed the item with no results. XXXX has already deleted this item because after proper investigation, they proved the error to be inaccurate and invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX  : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have 5 different unauthorized credit pulls. 
1- XXXX XXXX XXXX XXXX XXXX I can't get anyone in the right department. 
that handles the inquires. I tried several time 2- XXXX XXXX XXXX XXXX I called and they don't know anything about The credit pulls 3- XXXX XXXX XXXX XXXX Every time I called I was placed on hold and. 
Nobody picks the phone up. 
4- XXXX XXXX XXXX No answer from a personal they keep asking For an account number that I don't have. 
5- Equifax mortgage See. XXXX Third party company and there not sure who. 
pulled the report. 

I have also contacted all three credit agency 's and was told to file a complaint here. They wouldn't help me.
Product: Payday loan, title loan, or personal loan

I got a loan for {$1200.00} and every other week they take XXXX..I made 6 payments total XXXX i called today and told me I owe more than 1000
Product: Credit reporting

Experian failed to follow Fair Credit Action 605b and block the info that is the result of id theft. This is my 4th request and I am including the FTC Theft form completed, Police Report, Drivers License, SSN card and proof of residence! Please block the XXXX XXXX XXXX account it is a result of ID Fraud!!!!!!!! Please review all attached documents and the FTC is n't signed because its an automatic report to the police I did but the police report is included as required under FCRA Section 605b.
Product: Money transfer, virtual currency, or money service

I sent money to Sendwave on XX/XX/2023 amounting to {$400.00} and email me that it will have 1 day pending for my ID review but until now no email eventhough I email them several times and even their company phone telling me that my account is deactivated. I dont whats happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like ( CREDITREPOTING AGENCY NAME HERE ) to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX they have caused me and my family.
Product: Credit reporting or other personal consumer reports

I viewed my consumer reports a few weeks ago and found XXXX XXXX XXXX, a debt buyer, reporting a unverifiable and unvalidated account on my reports. XXXX and Experian has allowed XXXX XXXX XXXX to report this account without any proof of claim. Neither XXXX XXXX XXXX, Experian, or XXXX has provided any accurate information to report this account on my consumer reports. No wet signature contract and copies of the consumer credit card statements are not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After requesting by certified mail that XXXX XXXX investigate and remove inaccurately reported items on my credit report, XXXX failed to remove such inaccuracies or provide evidence within 30 Days of how they verified the accuracy of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX appears on my credit report. This is not my name. I have never gone by or used this name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my consumer report that i did not authorize, or give these companies permission to obtain my credit report. there are well over 10 inquiries reporting. This is crazy because it is hindering me from getting any new credit, it's hurting my mode of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$260.00} ), XXXX XXXXXXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ), XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} ), XXXX XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$440.00} ), XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$340.00} ), XXXX XXXX XXXX  XXXX ( XXXX XXXX, Open Date XX/XX/XXXX, Highest Balance : {$5000.00} ), XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$450.00} ), XXXX XXXX XXXX  XXXX ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$5000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think they 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 # XXXX, XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I am filling this complaint to formally dispute the information contained in my credit report, specifically regarding XXXX XXXX XXXX and XXXX. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission also to the XXXX XXXX police department please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information from my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have being trying to get a personal loan since XXXX... Loan is being denied because an auto loan i have i showing up 2x on my credit report ( XXXX ). I tried calling almost every day since and no one has helped in trying to get issue resolved .I have spoken to 4 managers and all they say is they will have someone work on it and escalate it higher up and same thing... XXXX will take up to 30 days to get issued resolved since i did try to dispute it Automotive Credit Corporation XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX ..One of the supervisor did tell me they had migrated to a different system and everything was transferred over,,, Seems one shows it last updated back in XXXX and the other had updated every month like it should and of course it is showing 2 different amounts,, I did sent proof on XXXX where my credit report is showing there account 2x and I only have 1 auto loan with them.
Product: Prepaid card

I get my ssdi through NetSpend. So I was in the hospital and in jai for XXXX XXXX. I am alone with no family, so my ssdi payment kept being applied. So I get released on XX/XX/XXXX, I went to an ATM and checked my account. There was XXXX in my account and the card was active so on the XXXX I bought a phone some clothing and hygiene. I have been alone on XXXX for the last 4 years. My parents and XXXX siblings passed away in 2 years, my girls live in another state, so I go from XXXXXXXX XXXX to XXXX to a casino so I'm not alone, I do n't drive so I hired a Lyft driver and paid XXXX with my car, I didn't take anything with me as I was coming back in the morning, I bought food and used the ATM many times, so I decided to get cash one more time for the driver he agreed to do it on his time, the ATM at around XXXX XXXX declined my card I tried 3 times no luck, I call NetSpend the gentleman name XXXX verified the security questions on my account. He the amount at XXXX, I then said someone tried a online purchase for XXXX or XXXX dollars from a phone number that was on my account a year ago, which didn't make sense I have not had that number for a year, so he said they suspended my card. So I said that was my only source of money, I had no food only the clothes I had on and no coat and it was XXXX degrees and no ride no where to go. He was professional and tried to help, he asked his boss about sending a money Gram I said do it, his supervisor to no because it was Ohio, so I said I will download the app and I can use a virtual card I told him it wouldn't let me update my account because they needed to update the email and phone number they have always done it, what ever reason he said I had to verify the old number and email I said I can't I don't remember them. I was on the phone with him for an hour, so I called back times always getting someone who knew nothing of my situation they all ask me to verify the info I said I don't remember they sorry Mr XXXX we can't help, I spoke to a supervisor who was cussing me, she sent me a message from a a verification site and she said take a picture of the front of your ID and the back I said ok stay on the phone she hung up, I did it never got through to her for XXXX hours and she said it I was not accepted by the company. So she said it's XXXX well deal with it in XXXX days. I was in a panic I said I'm XXXX XXXX XXXX I have no coat no ride no food and I'm in XXXX,, she said our has XXXX good bye. So I walked XXXX miles got a free transit bus to XXXX Kentucky it's only XXXX miles away, where I am now I slept behind a dumpster. They act like I did something wrong. At XXXX XXXX I haven't eaten and I'm sick. This is normally how they act. I worked one job 35 years now my health is bad that money is mine and and all I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX .... Balance : {$280000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent account from my credit report. I am a victim of a data breach, and this account does not belong to me. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to have this fraudulent account removed as it is the result of identity theft. 
Fraudulent Account : XXXX XXXXXXXX XXXX - XXXX - XX/XX/year> - {$3800.00}
Product: Debt collection

SENTRY CREDIT INC is reporting a credit collection that I do not owe. I have never signed a contract or any thing with them. I do not know this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :