23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Commenity Bank Called my parents and informed them that they were looking for me for a debt for a vicotria secret credit card. I had already contacted them and they were telling this information to a relative.
Product: Debt collection

A collection was placed on my credit accounts on XX/XX/2023 stating I owe {$770.00} to GENERAL BUS RECOVERIES INC due to not paying a bill to XXXX XXXX XXXX XXXX 

I am experiencing identity theft as I have never been to XXXX XXXX XXXX. This is not my medical bill. 



XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am disputing inaccurate information on my credit report. Pursuant to 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the release of my personal information to the companies listed below, violating my privacy rights. Furthermore, there are unauthorized inquiries on my report, indicating identity theft. Under 18 U.S.C. 8, I do not owe any debt to these entities. I demand immediate removal of the disputed items and inquiries to correct my credit report. 
Please confirm the removal of these entries promptly. 
Sincerely, XXXX XXXX
Product: Mortgage

I sent in my payment for XXXX 10 days ago and it has NOT cleared my checking acct as of this writing. This is very strange as I have never been late nor missed a payment in over 10 years.I believe they are sitting on it to make me look bad because I have NOT accepted their offer for a loan mod with a new lower payment. I have NOT accepted their offer because they refuse to explain the amounts involved and because they are mad at me for contacting the CFPB with a complaint. This is my second complaint to you. 
In my opinion, Ocwen is shady and unethical at best and a scam at worst. This is my opinion. They provide NO information to me after repeated requests. They stonewall and obfuscate. I do NOT understand why they will NOT provide me specific information on the loan mod they offered which I have NOT accepted as of yet. Please assist me in obtaining the required info or at least investigate them for unethical business practices.
Product: Debt collection

I have done a complaint against MCM Midland Credit recently and in XX/XX/XXXX. 

I have been a victim of identity theft and have already provided information for police report showing when I first became a victim of identity theft. 


I was a child graduating from high school and going off to cells and didn't apply or wasn't acknowledged of this company or any debt in XX/XX/XXXX. 

I haven't lived in XXXX, Florida since I graduated from high school in XX/XX/XXXX and went off to college. 


I never been to court or had any interactions with XXXX XXXX XXXX and I have once again recieved false and identity theft court documents from MCM and XXXX XXXX Courts Case No. XXXX dated XX/XX/XXXX. I was not living in XXXX during this time frame. I know nothing of this debt and someone has been using my name and information to collect debt. 


This is a scam and identity theft. This company has already contributed to defamation of character on my job as of XX/XX/XXXX which led to me losing my job after a similar judgement was sent to my job to collect a false debt from identity theft. 


This company is deceitful and manipulative and scam innocent people trying to get money and the XXXX XXXX XXXX house sign off on false judgments and act on identity theft against innocent law abiding people. 


I was a child and I had no debt or acknowledgement of this debt or what the debt is even for as I have provided police report showing identity theft. 

This MCM and XXXX XXXX XXXX XXXX steadily has been harassing me over a debt that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

I am seeking your help regarding the incorrect account appearing on my credit report. This concern has impacted my reputation as a customer, and Im requesting your assistance. Please ensure these accounts are removed as they are inaccurately and negatively affecting my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I received an e-mail alert from Experian stating that XXXX XXXX reported my credit card account ( Account # XXXX ) as being delinquent or late for 30 days for the month of XXXX, which is inaccurate on account of the fact that I pay my the minimum amount due by the XXXX of each month ( the billing due date ) and I would normally get an e-mail reminder from XXXX XXXX stating that I have a new bill for my account prior to the XXXX. I immediately contacted Experian XXXX XXXX at XXXX on XX/XX/XXXX to dispute the incorrect status on my report from XXXX XXXX. On or around XX/XX/XXXX, I received an e-mail alert from Experian stating that my dispute results were ready ; however, I noticed that XXXX XXXX has not taken the proper steps to update my credit report and provide the correct status of my account from Late to Current. I then contacted the Credit Bureau Team at XXXX XXXX on XX/XX/XXXX at XXXX around XXXX XXXX and I was able to talk to two representatives on two separate occasions ( XXXX and XXXX ) who informed me that there was nothing that they could do regarding updating the status on my credit report despite the fact that I was informed by an XXXX XXXX Customer Service Representative on XX/XX/XXXX at  XXXX that I needed to contact the Credit Bureau Team to have my report updated. The XXXX XXXX Credit Bureau Team representatives I spoke to on XX/XX/XXXX referred me back to the Customer Service Department at XXXX so they could be able to assist me with updating my credit report. Around XXXX XXXX, on XX/XX/XXXX, I contacted the Customer Service Department at XXXX and spoke to XXXX or XXXX who told me that I needed to call the XXXX XXXX Credit Bureau Team to have the issue resolved despite my best efforts to explain that the Credit Bureau Team referred me to the Customer Service Department on two occasions. The bottom line is that I had been given the extensive runaround and no one from both departments could not resolve the issue. I have attached copies of my billing statements for XXXX, XXXX and XXXX and the billing statements clearly reflect that I pay my bill either before or on the due date, which is the XXXX of each month.
Product: Credit card or prepaid card

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Product: Debt collection

I sent a letter  to Monterey Financial with a restrictive endorsement. this endorsement that was included with a letter that stated the same was if they  cased the check the account is considered paid in full and shall be removed from all credit bureaus, company has failed to remove and continuing to bill me.
Product: Mortgage

On XX/XX/2018, HSBC bank send me a letter with the information that they will transfer the subservicing of my Home Line Of Credit Mortgage to XXXX XXXX, XXXX ( XXXX ) on XX/XX/2018. What means tha XXXX will perform all services related to my loan after XX/XX/2018. also the letter said that the only change will be where I send my monthly payments, that the transfer does not affect any of the terms or conditions of my original loan agreement. 
On XX/XX/2018 Statement with a monthly payment of {$1500.00} wish is almost 3 time the original agreement of {$530.00}.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

On XXXX XXXX, I called Navient with the hopes of understanding my loan. I am trying to understand my current terms, how much I need to pay each month to reduce the length of my total pay off terms, how much I have currently paid etc. 

I also wanted to get an extension of my current payment plan. I was told by the representative that if I paid another payment of my loan that I would be current. He told me if I made the payment by the end of the month, that it would n't affect my payment. So I scheduled the payment by the end of the month with him and the funds came out of my account b y the end of the month. He did inform me that if I paid by the end of the month that I would be current. I then enrolled in an auto debit program for the next 6 months. I was happy to have had some resolution when I got off the phone. I go and check my credit today, and I saw that my score dropped 17 points because I was given terrible information. 
If the representative would have told me that you need to pay your loan by the XXXX of the month and not the XXXX, my credit report would n't have been affected. 
Loan companies are to help borrowers understand their terms and use accurate advice. It 's unfortunate that my credit is now being affected because I was trying to repay my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, sent a letter to Experian to dispute the accuracy of fraudulent accounts found on my credit report ; specifically, a loan account opened by XXXX XXXX on XX/XX/XXXX without my knowledge or consent. I informed Experian that I did not open this account, now did I authorize anyone to use my personal information to open this account. I also filed an Identity Theft Report with the FTC. I provided a copy of my FTC Identity Theft Report, a copy of my drivers license, proof of residence, and a copy of my credit report. I asked that Experian remove the fraudulent account and block any future reporting. 

Experian refused to block the fraudulent report after XXXX business days. On XX/XX/XXXX, I received a notification from Experian that they completed their investigation and found that the account was verified and accurate. However, this is not true because I have been in communication with XXXX XXXX who is working with me to investigate the fraudulent account ( see email from XXXX XXXX dated XX/XX/XXXX ). If XXXX XXXX, the company which opened the fraudulent account, still has not completed their investigation, then Experian can not have possibly completed their investigation. 

On XX/XX/XXXX, I attempted to call Experian again to discuss the dispute results and was not able to get a live agent on the phone and was not able to file a new fraud dispute. As of this date a fraudulent account opened by XXXX XXXX remains on my credit report and has caused my XXXX XXXX to be negatively impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Amsher on XX/XX/2020 ; to notified them the balance of my debt was incorrect on my credit report. The outstanding balance on this account was {$300.00}. They are reporting {$700.00}. They informed me that there was {$390.00} of interest on my account. This totals out to be 56.19 % of interest. I believe they are in volition of the Military Lending Act. I am an XXXX XXXX service member and under that Law I can not be charged a rate of grater than 36 %. I would like the negative credit reporting removed immediately.
Product: Credit reporting or other personal consumer reports

Several months ago I pulled my credit report and I found numerous of errors due to improper reporting and compliance. I reached out to the companies but they all refused to help me resolve the issues. More Specifically, I am referencing the fact that they are reporting incorrect account balances, incorrect credit limits, etc. 

In accordance with the Fair Credit Reporting Act Account # 1 Capio Partners LLC has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

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

In accordance with the Fair Credit Reporting Act Account # XXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

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

In accordance with the Fair Credit Reporting Act Account # XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

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

In accordance with the Fair Credit Reporting Act Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. The following accounts are being disputed : XXXX XXXXAccount Number : XXXX XXXXCredit Bureaus : XXXX, Equifax XXXX. XXXX XXXX XXXX *Account Number : XXXX XXXXCredit Bureaus : XXXX XXXX. XXXX *Account Number : XXXX XXXXCredit Bureaus : XXXX XXXX XXXX *Account Number XXXX XXXX XXXXCredit Bureaus : XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Number : XXXX XXXXCredit Bureaus : XXXX, Equifax, XXXX XXXX I have contacted the respective credit bureaus ( XXXX, XXXX, and Equifax ) and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by XXXX law. As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file. Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit. I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} SUN LNS **** XXXX XXXX : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and   XXXX   has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting documents.   XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH   XXXX    AND WAS TOLD IT WAS   XXXX   RESPONIABLY TO REMOVE THIS
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.