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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX 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 XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting

I have disputed this item several times with the credit reporting agency. I have advised them that this is not my account. I did not conduct any business with this company. The creditor is XXXX XXXX XXXX with an open date of XXXX/XXXX/16. The balance amount is {$240.00}.
Product: Debt collection

I see both I.C. Systems and XXXX on my credit report, even though XXXX sold my debt. XXXX. XXXX says I owe them more than {$2000.00}, and they claim XXXX passed on the debt to them. But when I check my credit report, XXXX is still there with a balance around {$850.00}. Also, XXXX sold the debt to someone who's bothering me with demands for payments that are double what XXXX claims I owe. I want to emphasize that I've never been with XXXX or signed anything. I'm confident I'm a victim of identity theft, and I'm dealing with disputes with other companies and banks because of this identity theft issue. 

I urgently need to see a detailed bill explaining why I owe more than {$2000.00}. I'm not satisfied with a bill that looks like it was made up, just stating that someone owes money. I want to see signatures. It's important to note that XXXX can't sell the debt and continue to have it on my credit report with a different amount than what the collectors are asking for.
Product: Student loan

First this account was opened with XXXX XXXX and moved to department of education and now with XXXX XXXX  which neither one of these agencies have my wet signatures of a promissory note from both parties and should not be reporting on my credit report and have sent XXXX letters and no response. The original school of loans was closed and sued for defrauding the us government and school was doing illegal things and had to pay and be closed down and now I have lost credit hours and money in this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a HARD INQUIRY on my Equifax credit report from a company XXXX XXXX from XX/XX/2019. I did not authorize this credit report pull from this company and I want this " hard inquiry '' removed from my credit report at once as it is impacting my credit score due to this fraudulent inquiry. 

I have tried multiple times to get Equifax to clear up this erroneous, false, and fraudulent information on my report only to get an excuse that it was authorized. 

I DID NOT AUTHORIZE THIS CREDIT PULL. 
EQUIFAX needs to correct what process or system disconnect made this credit pull possible and ensure that this doesn't happen to other people going forward. 

I want this removed from my credit report at once. 
I WILL NOT SEND IN ADDITIONAL INFORMATION via old fashion mail to Equifax for this issue - they need to allow for real-time resolve to errors that they have made on their part that are impacting a consumer. I want this resolution to be immediate and swift - it has been over a year fighting this to be removed. 

I DID NOT AUTHORIZE THIS CREDIT PULL.
Product: Mortgage

I was told by the company, Freedom Mortgage, That I would be taken out of escrow by XX/XX/year>. I recieved a letter from the mortgage company stating that I could not be taken out of escrow because, according to the letter, I was past due on payments. I called the company on XX/XX/year> and the customer service agent confirmed that my account is not past due for any payments, nor have I ever been past due for any payments. When I asked if I could speak to the department that made that decision I was told no, but not too worry because I am not past due. If they continue to report that I am failing to make payments when I am, this could hurt my XXXX XXXX and have the potential to have my home XXXX.
Product: Debt collection

This collection agency is claiming I owe {$560.00} for an account with XXXX XXXX XXXX fro an  account in NJ yet I've lived in Delaware for the past 18 years. I asked for copies of the application or a copy of the any records or recordings they have regarding phone calls, etc. and they've refused to provide them. I sent a letter disputing the debt along with a copy of a police report from a few years ago where someone filed tax returns and open accounts in my name yet they continually claim they don't receive them. The woman XXXX  is a NASTY NASTY woman and refuses to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I saw these unauthorized inquiries from my credit report and I am saddened by it due to the fact that someone made these inquiries without my consent. Please be aware that I've sent documents for those unauthorized inquiries to be removed.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Persistent Inclusion of Inaccurate Information ( XXXX XXXX ) on my Credit Report. 




Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a recurring issue with my credit report, specifically with Equifax, which has not been adequately addressed despite multiple attempts on my part. 

I have consistently disputed the inclusion of the name " XXXX XXXX '' on my credit report, as it does not belong to me. Despite my previous disputes and the subsequent removal of this information, the same issue persists at the end of each month. I have documented proof of my past disputes, and I am concerned about the impact this situation is having on my credit score. 

Moreover, it appears that I can only access my credit report on Equifax when initiating a dispute. I am unable to view my report through regular login procedures, raising additional concerns about the transparency and accuracy of the information being reported. 

I strongly believe that this individual may have a connection with Equifax, as the issue repeats consistently. I am at a loss as to how this erroneous information is repeatedly reinserted into my credit file, despite my previous disputes and the removal of the inaccurate data. 

I have previously provided Equifax with copies of my Social Security information and ID, as requested during my disputes. However, this has not prevented the reoccurrence of this problem. It is evident that there is a systemic issue within Equifax 's processes that needs urgent attention. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating and resolving this matter promptly. I believe that an external intervention may be necessary to rectify this persistent issue with Equifax and to safeguard the accuracy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your assistance in protecting consumers from such inaccuracies. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CONSUMER REPORT AND NOTICED THAT THERE ARE INACCURAIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never applied for credit Never authorized ANYONE to run my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this Account has violated my federally consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX XXXX  : account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 1681s -2 ( 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Debt collection

I have been living outside of the country since XXXX, I am now looking to move back to the states and I am trying to get a new home. My credit was pulled and my scores were lower than I was anticipating. Upon review of my own credit report I realized there were several inquiries and accounts on my credit report that I was not associated with. 

The accounts are listed below : IQ DATA INTERNATIONAL Date opened : XX/XX/XXXX Amount owed : {$14000.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX : {$510.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Amount owed : {$390.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount owed : {$83.00} Account Number : XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Amount owed : {$0.00} Account Number : XXXX
Product: Mortgage

I called PHH Mortgage Services, my mortgage servicer, on XX/XX/XXXX requesting to cancel my PMI since I am at 79 % on my loan to original loan value. They stated that they would send me the packet for cancelling PMI and it would be received at my house within 7 to 10 business days. As of XX/XX/XXXX ( 14 business days after my call ), I have still not received my packet. This is the second time I have tried to cancel PMI and both times they have slow played the process and used sketchy business practices to keep their PMI proceeds coming in. The first time was in the summer of XX/XX/XXXX. We purchased our house with 10 % down and then completed approximately {$40000.00} worth of renovations to the kitchen and flooring of our home that we purchased for {$180000.00}. In addition, the approved appraisal of our property used to close our mortgage loan in XX/XX/XXXX was for {$230000.00}. After 2 years of on-time payments, I followed the process to remove PMI based on the argument that the money we had put into the house plus the equity we started with according to the appraisal they approved at closing brought us below 80 % of the home 's value. As part of the process, we were required to allow an appraiser that they selected value our house to ensure that our loan balance was less than 80 % of the home 's value. Shockingly, the appraiser they selected determined that our house had gone down in value from {$230000.00} at closing in XX/XX/XXXX to {$200000.00} in the summer of XX/XX/XXXX even after we put {$40000.00} into renovations. The number that their appraiser came up with was mysteriously about {$4000.00} less than the value we needed for the home to be able to cancel PMI. I sent in a detailed report stating why I believed that his value of our home was incorrect and I was denied any kind of serious follow up from the mortgage servicer. PHH mortgage is clearly trying to use every trick in the books in order to keep their precious high margin PMI in place.
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. My federal trade commission identity theft report was certified mailed to XXXX, XXXX, and Transunion. My dispute did not resolve the issue for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have attempted to get a statement of services from this company for over a year. I have called twice and requested one. I attempted to contact the hospital where service was rendered, but they keep directing me to this collection agency. 
I am disputing that the debt is mine in whole. I have not received any information ( in writing ) despite my attempts. I also would like to confirm the date of service and the total amount of my insurance coverage ( if applicable ).
Product: Debt collection

The Thomas Agency ( Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, ME XXXX & Phone : XXXX ) contacted me by phone in XX/XX/XXXX regarding a medical debt for a XXXX  XXXX in XX/XX/XXXX. I thought this debt was paid in full but it turned out I still owed a balance. Their representative claimed they had attempted to contact me by mail multiple times but I had never received a single letter. The representative I spoke with refused to put me on a payment plan, stating that since I had not responded to letters I had never received that I could not be trusted to make on time monthly payments. I asked if they would take a smaller amount for the time being until I could pay off more of the debt and the representative made fun of me stating, " That's it, that's all you can pay? '' At the time, I was only making $ XXXX/month. I told her that's all I could pay at the time and asked that if I made a good faith payment if they could not report it to my credit report. The representative laughed and stated that she could send the police to my house to have me arrested for what I owed. I hung up because I did not feel it was appropriate to be talked to this way. I called back and spoke with another woman who stated that The Thomas Agency had confused my address with someone else which explained why I did not receive any letters. I asked if I could be placed on a payment plan and she said that she didn't believe this would be a problem so she placed me on hold so she could speak to her manager. As it turned out, her manager was the woman I had hung up on. When I spoke with this woman again, she was even more cruel stating she would begin reporting my account to the credit bureaus.When I brought up what her employee had said, the woman said that she was stupid and didn't know anything. I later took out a student loan so I could cover the cost. I realize that I am reporting this late but whenever I check my credit report, I see this record and I remember what I went through. I was XXXX and XXXX after this incident and had a difficult time opening lines of credit after this incident. I felt like I had been punished unfairly and illegally.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 12. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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