23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I Pulled my credit reports from all XXXX major agencies back in XX/XX/2016 from XXXX, XXXX XXXX, and Experian. After reviewing all my credit reports I noticed that there was some errors and things that were on them that I had no clue where they came from or how they got onto my reports. Once I found all the issues I called all reporting agencies and obtaining there process for disputes. After following these processes XXXX and XXXX found that they were errors and mistakes and deleted those items, But Experian did not! I have sent numerous certified letters to this company over the past six months to have the items removed and even sent copies of what the creditors stated to me in writing. After calling and pleading with them about these items I placed a fraud alert on my file and asked Experian to investigate the Bankruptcies, and Inquiries several times only to be told that they were verified, and they would not keep verifying that information. I told them that they were breaking the law per the FCRA they were obligated to verify the information with the creditors and the Bankruptcy courts. I waited 90 days only to be told that they would not verify and did not. As a consumer per FCRA Section 623 ( a ) ( 3 ) they are to varify the information completely and state how it was done. They never done this at all so I sent a letter to the Bankruptcy courts and the Clerk of courts stated that they do not give information to Credit reporting agencies. So once again Experian lied to me as a consumer and I have all documentation I spoke to ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and several other agents for experian. ) Some of the letters they refused to reply asking for additional proof after I mailed them XXXX plus pages along with my identification. 

I would like for these items to be corrected and deleted from my credit file as they were on my XXXX, And XXXX Reports. The accounts are listed below : 1. US BANKRUPTCY COURT GA XXXX # 'S XXXX # 'S XXXX # 'S XXXX # 'S XXXX INQUIRIES FRAUDULENT NOT MINE ; - XXXX XXXX XXXX/XXXX/2016 - XXXX XXXX/XXXX/2016 - XXXX XXXX/XXXX/2016 - XXXX MULTIPLE I have contacted this company several times only to be told they can not re-investigate, which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account at XXXX XXXX in my name which I learned from experian and I reported it at both. Now I'm getting calls from collections. Both investigated and still its mine apparently but was opened in XXXX XXXX and I live in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX have 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

On my Equifax credit report, there is a XXXX XXXX XXXX XXXX XXXX, Tx XXXX address listed that I have never lived at. I have lived at the XXXX XXXX, XXXX XXXX address and the XXXX XXXX XXXX, XXXX address but not the XXXX Tx address. Please look into the XXXX address and see why that address is showing up under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit for the past two years since XXXX or XXXX of 2017 when I was purchasing my home. I have called on numerous occasion and even paid a professional company to assist me with updating what is reporting on my credit file due to denial of credit and loans. I'm not able to be authenticated over the phone with me being transferred 3 times due to mismatch information they have reporting on my file. I placed a freeze on my credit around XX/XX/XXXX of 2017 for 30 days and it was to be removed by XX/XX/XXXX, I attempted to apply for a credit card offer and was denied due to not having access to my credit file. They pull from Equifax. I called and after 45 minutes and two transfers, I was able to speak with an American rep that advised me I have two credit profile and it has been this way since 2017. One credit profile was at the old address I moved from XX/XX/2017 and the other is my current address. I was given 2 reference # due to the freeze was on both acct. This has been a living nightmare. 
Reference # XXXX, Reference # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report transaction ( XXXX ) that I have not made. It is the results of identity theft.
Product: Debt collection

I had a car loan for a vehicle with Credit Concepts originated on XXXX for the amount of {$7600.00} In or around XX/XX/XXXX I asked them to come get the vehicle as I could not afford it voluntary repo, the company does not have record of Repossession date. according to the company the vehicle sold to another party for the amount of {$3700.00} and left me a balance of {$3500.00} still owing, the company never sent me any correspondence regarding balance owed however claim they did. I received a writ of garnishment, dated XX/XX/XXXX that stated I was to return the property of the lender which had already been returned, I never received notice of court hearing that i had the right to attend. i have contacted the company on several occasions to inquire about amount owed after the sale and asked for documents to be sent to me, never received any documentation. Today XX/XX/XXXX my employer was notified to garnish my wages for {$8400.00}. When I called the Company regarding why I was never notified of a court hearing I was told that it was served to a person renting a room in my home and that person signed for it, this is giving information about a debt to someone that is not me and has no connection to me, not even my spouse or personal relation to me. this notice of court hearing I never received. on my Credit report it states my balance is {$5100.00}. last payment XX/XX/XXXXcharge off date XX/XX/XXXX, and last on time payment reported on XX/XX/XXXX. Now I am being Garnished for {$8400.00} effective XX/XX/XXXX both of these amounts are higher than the balance I owed when the vehicle was sold and the company says it has continued to collect interest, however the company has made no attempts to contact me regarding this debt. and on the front of the writ of garnishment it states for that the final four of my social security number is to be printed and yet my entire social security number is printed there. When the vehicle was repossessed I contacted the company to inquire and was given no information as to how much was owed. I even recently disputed this company on my credit report because they were reporting the same debt 3 times on one bureau and one them was removed and even to this day are reporting two separate times for the same debt one says started XX/XX/XXXX closed paid in full the other says started XX/XX/XXXX closed charged off. So not only did this company fail to provide me with what I owed after the repossession sale, they also disclosed information of my debt to a third party, i was never notified of a court hearing against me so was never given an option to dispute this in court. They had a court hearing in a county that is 3 hours away from where I live, and now they are charging me well over double what my debt was after the vehicle was repossessed and sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several disputes to the credit bureaus and each time it comes back as verified accurate. 
All 3 bureaus are reporting a different Date Last Active. 

XXXX reports XXXX Experian reports XXXX XXXX  reports XXXX This is in Violation, needs to be removed asap
Product: Credit reporting

XXXX has placed a collection on my credit file dated XXXX XXXX, how can you place a collection on my credit file for XXXX XXXX and I paid this account with XXXX on XXXX XXXX so please inliting me how can you pay a bill in XXXX XXXX and now you put a collection on my credit file in XXXX XXXX saying a collection XXXX XXXX so how can a collection be placed on my credit file for XXXX XXXX and this account was paid back in XXXX 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 consumers rights to Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 information is inaccurate.
Product: Debt collection

on XXXX XXXX MRS BPO LLC was added to my XXXX credit report for the amount of {$660.00}. After contacting MRS BPO LLC i was advised that they are collecting on behalf of XXXX XXXX, numerous times i have requested a verification of debt, an itemization of debt. MRS BPO LLC simply sends me a letter saying the name of the company and the amount on their letterhead, nothing actually from XXXX XXXX proving that this is a legit debt owed by me. I've scheduled a payment to settle account with MRS BPO LLC but that arrangement has been canceled due to MRS BPO LLC not providing legit proof that i owe this debt. 
my phone provider has been XXXX XXXX for at least 10 years now so i would have never had a need to get a XXXX XXXX phone. The company has my name listed as XXXX XXXX, that is not my legal name. 

MRS BPO LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted my mortgage company WELLS FARGO to inquire about what types of services were available IF my renter 's were unable to make their payment due to covid. It was for an inquiry purpose and I was told that I would receive a letter regarding any programs available. I was also told that late fees were waived across the board due to covid. I did infact receive a letter and in that letter it stated my mortgage was placed in forbearance! I did not request any forbearance. Recently I was notified by a lender that it showed on my credit report and have been trying to have it removed since then. I have been unable to have it removed despite multiple phone calls to the executive office. They are " investigating '' ''. I have not been able to receive an email or paper trail confirm ing the removal or my calls to the the company. My  mortgage payments are current and have been for the past 10 plus years. I have been unable to pursue obtaing a new loan for a car or home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2001 I received a notification from Experian credit monitoring that XXXX  XXXX/XXXX  XXXX pulled my credit. I did not authorize this to be done. I did not apply for credit with this company.
Product: Credit card

I used my credit card to send money to a few people and I was charged a fee and then later denied to use my credit card on several occasions.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$46000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 States a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

We took out a mortgage with XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX it was purchased by XXXX XXXX and the alleged servicers have denied this fact so they have committed fraud on the Court and violated FDCPA, RESPA, TILA, FAC, etc. 

We have requested further information regarding the CANCELLED NOTE and they have yet to provide it so we have contacted the FBI to investigate. 

We have an automatic stay in place with the XXXX XXXX and have filed for an Order to Show Cause ( OSC ) why the Servicers and Trustees are not in contempt of Court for violating the automatic stay and have repeated that we want all the documentation regarding this loan including the CANCELLED NOTE as soon as possible.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Blocking and Deletion of Fraudulent Information To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2, I am formally requesting the immediate removal and blocking of fraudulent information from my credit report. This request is based on a verified identity theft claim, as supported by the enclosed documents, including : XXXX. Federal Trade Commission ( FTC ) Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX XXXX. Police Report filed with my local law enforcement agency. 

Under 15 U.S.C. 1681c-2 ( b ), credit reporting agencies are legally required to block fraudulent information flagged by the consumer within XXXX ( XXXX ) business days of receiving a valid identity theft report. Failure to comply with this requirement constitutes a violation of federal law and subjects your agency to potential legal consequences. 

The following items on my credit report are fraudulent and must be blocked and permanently deleted immediately : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As mandated under 15 U.S.C. 1681i ( a ), your agency must investigate and resolve disputes promptly. I am also aware of my rights under 15 U.S.C. 1681n, which entitles me to take legal action in the event of non-compliance. If this matter is not resolved promptly, I will pursue all available legal remedies to enforce my rights. 

For your convenience, I have provided all necessary documentation to validate this claim, including a copy of my government-issued identification and proof of address. This letter, along with the enclosed documents, has also been sent via fax and certified mail for tracking purposes. 

I expect a written confirmation of the removal of the fraudulent items and an updated copy of my credit report reflecting these corrections within the legally mandated timeframe. Failure to respond appropriately will compel me to escalate this matter further. 

I trust that your agency will address this issue with the urgency and professionalism it demands.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau : My correct name is XXXX XXXX. 

My correct address is XXXX XXXX XXXX, XXXX GA XXXX. 
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 
Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2020 I received a call from portfolio recovery from a very nice lady, and i explained that I was fighting for XXXX, and I explained I had a lawyer helping me ( with social security only ) and he informed me it could take up to two years to get approved. I also explained that I thought I had filled out hardship paperwork. I do not remember at this time if I asked for no phone calls, but i thought this would have take care of the phone calls for now. Until ... 

On XX/XX/2020 at XXXX I received a phone call from XXXX from a lady who represented herself to be a debt collector from portfolio recovery associates. I verified my personal information, and explained that Ive already spoken with someone, and told them i was in the middle of filing XXXX, and went through the whole story AGAIN and I havent been working since last year ( XXXX ) - I asked for NO phone calls to any phone number listed in ANY OF my accounts. She even tried to verify if my phone number was a good contact number. I said PLEASE DO NOT CALL ME. 

On XX/XX/2020 at XXXX, I received yet another call on my cell phone, from a woman who again identified herself as being from portfolio recovery. I identified myself and explained there should have been a no phone calls note on my account, ( I did verify my information ) she said she would put one on there. I exclaimed that she has now broken a law, and she went on with her statements, I again stated that she had broken the law, and she told me she would put a do not call on my account. I said that shes already broken the law, and hung up. 

I am XXXX, and after explaining that my XXXX wont likely be approved for up to 2 years, Im not sure what may have changed between XX/XX/XXXX, and XX/XX/XXXX and then again between XX/XX/XXXX, and XX/XX/XXXX. Then, to ignore or disobey the do not call I had requested is not acceptable. 

I am very upset by this. If something is not corrected, I dont mind taking matters a step further. 

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

My information was part of the large Equifax security breach of 2017. I quickly placed freezes on my credit with all 3 credit bureaus so I should hopefully be largely unaffected in terms of identity theft. Additionally, I placed freezes on my information with XXXX and XXXX. 

However, my information was shared with a third party without my consent. Additionally, I had to spend money out of pocket in order to secure my credit and to prevent unauthorized use of my personal information. I expect better from one of the three credit bureaus. 

In addition to the annoyance factor of this information leak, I now have to deal with the knowledge that unauthorized third parties now have access to my name, address, social security number, possibly credit card numbers, and more. This is outrageous and Equifax should have better secured this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account numerous time there is still no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems Inc. on XX/XX/2022, has furnished a collection tradeline on my XXXX, XXXX, XXXX XXXX XXXX Files without Validating the alleged debt properly. They have not supplied documents and supporting files. 

Validation and proof of claim of the disputed debt is requested in accordance with the FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the FAIR CREDIT BILLING ACT, 15 USC 1666 et seq. All of which work in conjunction with each other, including the TRUTH IN LENDING ACT ( TILA ) 15 USC 1601 et seq
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Sent Proof Several Times Its unlawful to misuse my credit without my consent
Product: Debt collection

Per review of XXXX  credit report from XX/XX/2018 I discovered an outstanding account that I had no knowledge of and a validation letter was sent out requesting more information. On XX/XX/2018 I reviewed my credit report again and noticed that the account was updated to reflect as disputed however requested validation information had never been received and a 2nd validation letter was sent out. On XX/XX/2018 credit report was reviewed once more and the account remains on my credit report, affects me negatively and I still have not received any validation.
Product: Checking or savings account

I recently had a transfer out of my spend account on XX/XX/2024 along with a fee totaling XXXX and was designated to pay my rent today. Apparently the fraud department did not thoroughly investigate and has accused me of stealing my own money. I was also informed there is no time frame on how long it will take to re-investigate. I am extremely upset ; customer support couldnt even tell me why so I could find out if I have an identity theft problem going on. I have reported this issue to the XXXX, FTC and also the Attorney Generals Office of South Carolina. I also filed a police report yesterday.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has CONFIRMED that the INQUIRY should not be on my report and can be easily confirmed with a call to them XXXX XXXX XXXX XXXXAccount Protection Team verified that it should NOT be on my report. I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX them three times to confirm. 

XXXX XXXX  has difficulty finding my record because it's been removed. The credit reporting agency EQUIFAX needs to pick up the phone to call to CONFIRM. EQUIFAX sent me notices that it had been verified, and XXXX XXXX  continued to tell me to dispute with the CRA because they don't have a record of a VALID INQUIRY from me.

Credit reporting agencies must verify the information and place only FACTUAL and TRULY VERIFIED information. I'm seeking an IMMEDIATE REMOVAL of the INQUIRY.
Product: Debt collection

I been receiving phone calls of harassment, profane and abuse language, threats of been arrested and sent to jail from LVNV Funding for a debt of {$220.00} from the original creditor, XXXX XXXX XXXX XXXX XXXX, XX/XX/2015. The debt is the result of identity theft. The debt is not my debt. Its a fraudulent account and debt from the result of identity theft.