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

Hello, I have never authorized the inquires that I found recently in my credit report. I have never gave any company any permission to do that, why do I have these inquires in my credit report? I do not know them, and can not even connect them with my own activities .... its clear error in my reporting for sure or identity theft so please make sure that you delete them and I do not need to write you 100 times asking for this simple thing. 

Thank yo! 
XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of fraudulent activity on my credit file due to a data breach. I am a victim of identity theft, and as such, I request that the accounts and inquiries listed below be blocked and deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : Creditor Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Fraudulent Inquiry : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX
Product: Vehicle loan or lease

XXXX XXXX and Prestige Financial Services have been committing SECURITIES FRAUD, LANGUAGE FRAUD AND DEALER FRUAD. Without providing full disclosure of the Retail Installment Sale Contract as they have been trading and selling consumer credit contracts and promissory notes on the market as asset backed security and not giving consumers their share of the dividends. There has NEVER been any valuable consideration as the only intended to keep my security and fraudulent make me sign over the certificated of title, all money or goods received, and then still try to make me pay for the vehicle! Knowing that the contract was payment for the security interest.This includes : - The vehicle and all parts or goods put on it ; - All money or goods received ( proceeds ) for the vehicle ; - All insurance, maintenance, service, or other contracts you finance for me ; and All proceeds from insurance, maintenance, service, or other contracts you financed for me. This includes any refunds of premiums or charges from the contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX continues to report misinformation to TransUnion and XXXX despite my request to have this information removed and corrected because any debt to this company is a result of identity theft. I have filed reports with the IRS regarding the fraud XXXX and XXXX have committed by reporting this debt to the IRS as valid.
Product: Mortgage

Today we had a scheduled appointment that we made on Tuesday, with PHH Mortgage today XX/XX/XXXX @ XXXX. They did not keep the appointment, they did not call us concerning the account status, we have been trying to workout a solution with PHH. 
When we called PHH after they did not call us we called PHH and the first person we spoke to after the verification the computer froze and then they passed the call to another person. This person tried I was put on hold at least 6 times and each time he came back with no information. We are very nervous because the homeowner is a senior citizen in her XXXX 's and the sale date is XX/XX/XXXX. Then we asked about the person who was assigned to this file and why we did not receive a call for the scheduled appointment, then the agent stated that they called but no one answered, not true, we waited with the phone line clear for the call. Since the Customer Relationship Manager for the file did not call and was not available why was no one else in the entire company of PHH, able to talk to us and give us some information on the file. The answer was no one could discuss the account except the assigned Customer Relationship Manager. We have tried all day and still no one can give us any information with a pending sale date for XX/XX/XXXX. 

I asked for the supervisor and they could not get me the Supervisor for the Customer Relationship Manger assigned to the account. In other words PHH has refused to cooperate or give us any information about the account. 
Please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX for Removal of Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under 15 U.S. Code 1681c2 ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( ITADA ). These laws entitle me to block any information resulting from identity theft on my credit report.

The following accounts have been fraudulently opened in my name or affected by identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Include all fraudulent accounts or inquiries you wish to be removed ) As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within 4 business days.

In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities.

Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1.

I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., 10-14 days ]. 
Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts
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 ( Opened XXXX XXXX, XXXX, Credit limit {$1000.00} ). 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

XXXX XXXX # XXXX is double reporting an account with the bank on my credit. This account has also been paid off and is still reporting a balance and I never received a notice for my 30 day right to dispute in the first place. I need this removed off my credit as they are in violation.
Product: Credit reporting or other personal consumer reports

I provided the identity theft report to Experian that the requested in order to remove a fraudulent account from my report and they refuse to investigate the matter. I have submitted the appropriate documents.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, TX XXXX I CAME IN TO THE DENTIST TO HAVE XXXX. 

I SPECIFIACLLY TOLD THE DENTIST TO XXXX ''! WE SCHEDULED APPOINTMENTS TO DO THIS BEFORE I TURNED XXXX WHEN XXXX XXXX XXXX CERTAIN PROCEDURES AND THE DENTIST MISSED XXXX. 

A WEEK LATER I NOTICED THERE WAS A SMALL XXXX IN THE BACK OF MY MOUTH AND IMMEDIATELY CALLED THE OFFICE BUT THEY DIDNT HAVE ANY OPENINGS UNTIL 1-2 WEEKS LATER. 

I CAME IN, HAD THE PROCEDURE, LEFT WITHOUT A HITCH. A YR LATER I GET A LETTER FROM CAPITAL ACCOUNTS COLLECTION AGENCY WITH A 30 DAY RESPONSE REQUESTED. 

I SEND THE LETTER EARLY XXXX XXXX BY USPS DISPUTING THE ALLEGED BALANCE ALONG WITH THE REASON WHY ONLY TO FIND OUT MONTHS EARLIER IN XXXX XXXX IT WAS ALREADY POSTED TO MY ACCOUNT. 

I TRIED GOING STRAIGHT TO THE DENTIST 'S OFFICE AND THE STAFF ALL SAY I HAVE TO WAIT FOR XXXX XXXX SINCE SHE 'S THE OWNER [ ALSO THE PERFORMING DENTIST ] BUT SHE 'S NOT RESPONDED, RETURNED MY CALLS OR GAVE INSTRUCTION TO STAFF AS HOW TO PROCEED WITH THIS ISSUE FOR REMOVAL FROM MY CREDIT REPORT. 

I SPOKE WITH THE COLLECTION AGENCY AND THEY CAN ONLY VERIFY MY IDENTIFICATION ALONG WITH EXTREMELY SOFT INFORMATION SUCH AS MY SOCIAL SECURITY NUMBER AND THE LIKES BUT CAN NOT VERIFY THE DEBT IS MINE AND ARE TELLING ME THERE IS NOTHING THEY CAN DO. 

THE GUYS THERE SAID THEY CANT DO ANYTHING BUT COLLECT WHEN I KNOW THAT TO BE A LIE. HOW DID THEY GET THIS COLLECTION ACCOUNT IN THE FIRST PLACE? BY SPEAKING WITH THEM. HE WAS TELLING ME ANYTHING THINKING I DIDNT KNOW ANYTHING BUT TO JUST SUFFER AND PAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

During my own investigation creditor XXXX XXXX has reported inaccuracies throughout my credit, bureaus both XXXX  and XXXX have done their investigation and came across these inaccuracies as well and deleted this credit from their companys. I have requesting Bureau Transunion do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last three years, everytime I try to get a " free '' annual credit report from Experion online, it  tells me there is a " problem at this time '' even though I give them all the correct information. I have no problem getting a credit report from XXXX XXXX and XXXX, giving them the same information! When you try to call Experion, you get a recording and prompts for information and it kicks you out, even though you give them the correct information, saying they " didn't get that, '' either pressing or saying the choice prompt. After that, they say you can not order a report by phone. You can not call and get a live person, either, which is frustrating. They then advise you that you have to get the report by mail. After about seven or eight tries, I was finally able to get them to send me a report by mail. This was done on XX/XX/2018. It appears to me they do this intentionally so as not to encourage anyone to get a free credit report but pay for one! This is a dishonest practice!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Wells Fargo Account # 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 any purpose.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal notice of intent to sue for your agencys repeated failure to correct inaccurate information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. I have disputed the incorrect balance reported on my XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, yet your agency has failed to correct the errors or provide evidence verifying the accuracy of the reporting. The balance is inconsistently reported across credit bureaus, with TransUnion and Equifax listing {$250.00} while Experian reports {$210.00}, which is a clear failure to maintain maximum possible accuracy, as required under XXXX XXXX XXXX XXXX XXXX XXXX 

Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX when a consumer disputes an account, the credit reporting agency must conduct a reasonable reinvestigation and correct or remove any inaccurate or unverifiable information. Your agencys continued failure to comply with these obligations constitutes negligence and willful noncompliance with the FCRA. Additionally, your failure to ensure that the furnisher of this data properly verified its accuracy directly parallels the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the plaintiff filed suit in XXXX XXXXXXXX XXXX, alleging that the credit union violated XXXX XXXX XXXX XXXX of the FCRA by failing to remove a disputed balance. Your agencys refusal to take corrective action in response to my disputes places you at risk for similar liability. 

As a result of this inaccurate reporting, I have suffered credit damage, financial losses, higher interest rates, and credit denials. If you do not immediately correct the balance discrepancies, provide verifiable proof of the accuracy of this account, or remove the account altogether, I will proceed with legal action to seek monetary damages, attorney fees, and injunctive relief. 

You have XXXX  days from the receipt of this letter to respond with a resolution. If no action is taken, I will file a lawsuit for your continued violations of the FCRA. Consider this your final opportunity to resolve this matter without court intervention
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 29 points because Credit Check in XXXX, MI reported that I had a delinquent account in the amount of {$140.00}. I called Credit Check on Monday, XX/XX/XXXX to let them know that I had made that payment on XX/XX/XXXX. The person that I was speaking to looked up my information and confirmed that the payment had in fact been made and this was human error. I explained that my husband and I are in the process of looking for a new house and the drop in my score was obviously having a negative impact. He told me that he would contact the credit bureau and tell them that this was their mistake and have this removed from my credit report immediately but said it would take 7-10 days to show. It has now been 13 days and the delinquent account is still on my report and negatively affecting my credit score. This was 100 % their mistake and they have not resolved this issue in a timely manner. Im extremely frustrated.
Product: Checking or savings account

On XXXX XXXX th I thought I was getting an online loan. The loan company scammed me. Used a fake application pretending to be a reputable online loan company. They were suppose to deposite XXXX in my checking account. Instead the deposited XXXX four times in my account and told me to send it back by XXXX XXXX to make sure my account was in good standing then they would deposite my money. I sent them back XXXX back which ended up being fake deposites and they got my money. Called the wellsfargo when I realized I had been scammed and put in a fraud claim. They are refusing to get my money back to me. Also filed a police report.
Product: Debt collection

The complaint number that you state is a " duplicate '' is in fact not a duplicate and the company did not furnish me with the requested information. Complaint number XXXX. My initial complaint only had XXXX, as I was unaware of XXXX. I specifically ask for the method that was used to validate and prove that these items belong to me. I demand that this be removed from my credit report, under the FCRA 15 U.S. Code 1681i The information supplied does not prove these accounts belong to me. Additoinally the company never provided me with the initial right to dispute, I was unaware of these collections. These are a clear violation of the FCRA Section 609 ( 15 U.S.C. 1681g ) as well as Section 609 ( a ) ( 1 ) I request that you provide the following information to verify the accuracy of this debt : -Documentation showing that I am responsible for this debt. 
-A copy of any judgment or court order related to this debt. 
-Proof that you are licensed to collect debts in my state. 
-Signed documentation or a contract proving that I owe this debt and that you are authorized to collect it on behalf of the original creditor. 
-Proof of your legal right to collect on this alleged debt, including the assignment of this debt from the original creditor to your agency. 

I also request that you cease all collection activities on this account until you have provided the requested information. If you fail to provide this information or continue to attempt to collect this debt without verification, I will consider this a violation of the Fair Debt Collection Practices Act ( FDCPA ) and will take appropriate action, including reporting you to the Federal Trade Commission and seeking legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to have the correct information regarding a government overpayment on my account made accurate. Instead of doing that, XXXX updates it incorrectly repeatedly and absolutely destroys my credit score in the process. Months later my score is still 50 points lower and they all but ignore my disputes or just update incorrectly. It 's infuriating and I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report That doesnt belong to me XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I was never late on this account. I have made all my payments on time. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is reporting the wrong balance owed. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$76000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

INQUIRIES XXXX : XXXX XXXX on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX on XX/XX/year> XXXX XXXX  on XX/XX/year> XXXX  on XX/XX/year> XXXXXXXX XXXX on XX/XX/year> EQUIFAX : XXXX XXXX XXXX  on XX/XX/year> These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
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 or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have never heard of " XXXX XXXX XXXX '' I've never been admityted to this medical center and I for sure have Health insurance to cover all my medical bills. I was shocked to see a Collection from CAPIO PARTNERS # XXXX on my credit report. This is identity theft ( Fraud ) Please I need thi sinvestigated and removed from my credit ASAP. I have health insurance I don't or haven't owed any medical bills for almosta decade. Please remove this from my credit ASAP or I will legally take this to court for Fraud. I don't own this debt. I didn't even receive no notification, communications or whatsoever for this collection. I just woke up one dat and it's onmy report. Please remove from my profile ASAP!!!! 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported the incorrect balances in XXXX, XXXX & XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by XXXX points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less.