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

I have inaccurate information on my credit report that does not belong to me. I want the accounts removed from my credit report. 



Equifax credit report XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX credit report XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX  XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX credit report XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$610.00} XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$720.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX  All Banks XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

On XX/XX/2021 I received a text message from XXXX stating " XXXX, Please call XXXX XXXX at XXXX. It is important. This is a no reply box. '' I received this text while I was at work. XXXX XXXX also called my wife to get in contact with me while she was work. My called him back to why he was calling and found out that he was Former SC Solicitor XXXX XXXX trying to collect a debt from me on behalf of XXXX stating that I owe {$4400.00} them. My wife told them not to contact us by calling or texting us by phone and that they can only reach us by mail. XXXX XXXX and his associates at Resource Services in XXXX, SC has still continued to call and text us through their automated systems from multiple numbers even after my wife told him to contact us by mail and he left a Voicemail on my wife 's cellphone on XX/XX/2021 urging me to call him back. On XX/XX/2021 I received a letter from Resource Services that threatens to possibly garnish my wages, issue a judgement or possibly place a lien on any personal property if I did not respond with 72 hours. I sent them a letter on XX/XX/2021 asking to prove the following : Please attach copies of following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears my physical signature where I promised to pay the original creditor.

3. Proof that you have the right to collect this debt in my state.

4. Proof that your company carries a bond.

5. Proof of how your company assessed the outstanding debt.

6. Complete payment history on this account, to prove that the amount that you wish to collect is accurate 7. Do you own this debt or is this debt assigned?

8. Prove the Statute of Limitations has not expired on this account.

9. Copies of all letters sent to me from you and the original creditor.

10. How much did you buy the debt for? 
On XX/XX/2021 I received their response and saw that they did provide me the information I asked for. They sent me a copy of the membership agreement with falsified Retail Contract that had a pixelated signature on it.
Product: Bank account or service

Regions Bank has provided inaccurate information to CRAs and XXXX in regards to my account. They are claiming I owe a balance of {$150.00} and have listed the same debt several times on the reports and to XXXX. They have not mailed a bill to my address or contacted me by phone in regards to this bill. In addition, in 2014 they swept my account for $ XXXX to satisfy a loan I had with them without my consent and now they are still saying I owe them and providing the CRAs and XXXX with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMERICREDIT XXXX, Inquiry : XX/XX/XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting or other personal consumer reports

Company continues to report this account after informing them of identity theft and having the case dismissed with prejudice.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I tried to transfer my American Express Membership Points to All XXXX XXXX, but the transfer was not successful due to the points being frozen. 

I called American Express Membership Points team immediately to resolve the issue, the representative told me there is noting wrong with my account and tried to transfer points on his end, but failed due to the same error message. I was transferred to fraud department,  and transfer back to Membership Points team ten minutes later, this time I was told that my Membership Points account is frozen, and the reason is American Express froze my account to investigate a few thousands point I earned recently, and there is nothing they can do. I asked to speak with a supervisor, but was told the supervisor was not available. 

American Express did NOT inform me when the froze my account, and when I called, American Express failed to provide estimate time the investigation will take. I found this completely unacceptable. 

I demand American Express unfreeze my account immediately, legal action will be taken if American Express fail to comply.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have identified fraudulent accounts on my credit report that do not belong to me. These accounts were opened without my knowledge or authorization, using my personal information fraudulently. I request that these accounts be investigated and removed from my credit report as soon as possible.
Product: Student loan

Mohela, formerly known as XXXX failed to properly assist me with a serious issue that they caused. Mohela has been reported by many other customers who had the same issue as me. Mohela reported delinquency to the Credit Bureau which dropped my XXXX XXXX by XXXX points. I was unaware that I was delinquent on payments because I was on the XXXX plan with a payment of XXXX dollars with all of my other loan servicers. Mohela should have received the same application and failed to properly execute the payment due. I was unaware that this occured until yesterday when I viewed my credit report. I contacted Mohela and requested a solution to the problem and they insisted they would not and could not remove the delinquency from my credit report. They offered to send me a paper form of the XXXX XXXX XXXX plan eventhough I am already on XXXX. Something in the government has changed with the XXXX plan and it has effected many people. They do not care about their customers and the effect they can have on their lives.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Product: Checking or savings account

I had an account with Wells Fargo back in 2016 for an insurance policy they offered with a partnering company back then. I never received the I surance cars to use so I called them on a number on which nobody ever answered. I tried to cancel it through WF, bit was told by their agent I " must cancel it with the provider ''. I never got through and I couldn't cancel it which seemed like suspicious business practice. Since I couldn't cancel the service or charges I closed my account in 2016 and switched to chase. I do believe I heard WF has a lawsuit against them regarding this so I would like to be compensated for this horrible experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that aren't mine. Please have it removed.
Product: Debt collection

This isn't a request for " verification '' or proof of my mailing address, but request for Validation made pursuant to the fair debt collection practice act 15 U.S.C. s 1692g.

-Date of last activity -My full, complete and correct social security number that may help to identify me as the correct person.

-Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

-The obligation between you and I that allows you too collect on the alleged debt and any transaction between your company that binds me to an agreement to pay your company any money that you claim I owe.

-Letter of sale or assignment from the original creditor to your company.

-Under FDCPA section 809 ( b ) you are not allowed to pursue collection activity until theses debts is validated. You should note this not a request for " partial '' validation but rather, a request for everything listed here in order to constitute full and sufficient validation of theses debts.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 Cash app linking to bank account unsuccessfully because the bank or the cash app people have it blocked i have XXXX dollars on my cash app card that needs to be deposited into my bank account
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 

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

XXXX ACCUSED ME OF USING A 3RD PARTY TO WORK ON MY CREDIT REPORT. ANYONE THAT KNOWS ANYTHING ABOUT CREDIT REPORTING AGENCIES KNOWS THAT IN THE STATE OF GEORGIA THEY ARE ILLEGAL THUS NO CREDIT REPAIR COMPANY WILL TOUCH ANYONE LIVING IN GEORGIA. I CONSIDER THIS A DELAY TACTIC BY THE CREDITOR AS AN EXCUSE FOR NOT VALIDATING THE DEBT, PROVIDING ME WITH THE 1099C, OR NOT REMOVING THIS ACCOUNT WITHIN THE GUIDELINES OF THE LAW. I HAVE INCLUDED THE DISPUTE LETTER I USED WHICH REQUIRED ME TO HANDWRITE MY DATE OF BIRTH, SOCIAL SECURITY NUMBER, AND SIGN THE LETTER. ALONG WITH A BILL WITH MY ADDRESS AND A COPY OF MY DRIVERS LIC. KEEP IN MIND THAT THE SIGNATURE ON MY DRIVERS LIC MATCHES THE SIGNATURE ON THE LETTER.
Product: Debt collection

On XX/XX/XXXX at XXXX AM XXXX XXXX at XXXX, from Cawley & Bergmann told me that an acct I had with XXXX ending in # XXXX in the amount of {$4800.00} was being collected by XXXX. I asked XXXX XXXX for validation of the debt because it was from XXXX or XXXX and I had been a victim of identity theft. He then stated that if the debt is validated then other legal action could be taken against me, by a lawsuit, and then asked me if I would like to settle the debt for {$3100.00} or something close to that. XXXX XXXX tried to scare me into a settlement by telling me XXXX would obtain an attorney and take me to court.
Product: Credit reporting or other personal consumer reports

Company has been asked for past 2 years to resolve fraud issues and stop allowing for unauthorized inquiries. As presented by XXXX screenshots its shown XXXX and Equifax have continued reporting fraudulent accounts making it impossible for consumer to obtain credit and housing. XXXX has been up to date and accurate and has been provided to both companies which they ignored and did not run disputed information. When provided with theft report and CFPB disputes companies both ignore and sides with theft coming from reporting companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Are fraudulent and have have yet to be investigated
Product: Credit card

Citibank recently closed an account I have had with them for 5+ years for no valid reason I can ascertain. My payment history and account management has been impeccable. I have never been late on a payment, always paying more than the minimum even completely some months, and stayed within my limits to the best of my ability. I may have gone over by {$10.00} or less once or twice but always made a payment to resolve the balance before the next billing cycle. Now they have sent me a letter stating they are not going to renew my card since it has expired. I do n't know if this violates any consume laws or is just bad policy but I felt the need to report it. Thank you for any advice or insight you can give on this matter.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX  Subject : Dispute of Unauthorized Hard Inquiries I am writing to dispute unauthorized hard inquiries listed on my credit report. I did not authorize the following inquiries and request their immediate removal. In accordance with the fair credit Reporting act XXXX 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 XXXX account under an open end XXXX consumer credit plan as late for and purpose. 

XXXX ) XXXX XXXX XXXX open XXXX says jointly and I have no knowledge of this and needs to be removed immediately. 
XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX  XXXX Open XX/XX/XXXX XXXX ) XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, And all the rest of the pictures down below
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft so this month, XX/XX/XXXX on or around the XXXX of the month I contacted XXXX, TransUnion, and XXXX to alert that of the identity theft. I informed them of the accounts and the credit inquiries. They have all removed the accounts but the inquiries remain. 

Per section 605B of the FCRA I would like to have these items removed from my credit file.
Product: Checking or savings account

They sterilize-type me for being XXXX and said that my account was fraudulent and took all my settlement money out of my account
Product: Credit reporting or other personal consumer reports

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX
Product: Student loan

Firstmark Services took over my student loan about a year ago from XXXX XXXX. Starting from that time I have gotten letters with incorrect billing information-I have been in deferment the whole time. The bills tell me that I have to pay the bill on a date. Knowing I am in deferment I thought it was automated billing and ignored it. Then I got letters saying the bill was late. I called Firstmark in XXXX and the person gave me so much attitude including telling me I should know when I have a bill due but concluded by telling me I was in deferment. When asked why I was getting these letters that would scare any person, she said it was because it was the school 's fault. I continue to get bills and letters - that I ignore because they are inaccurate since I will have no payments until school is complete. I call in XXXX because I am complete with my classes to see when I should expect to pay my first bill. They inform it will be due in XXXX. I ask them if they are sure since along the way I have been getting letters and phone calls. They are rude and inform me that they haven't been calling me. And that it must be XXXX XXXX ( where the loan originated ) and that I have not had to pay anything since they took over the loan. I tell them I am very confused then as to why I keep getting the phone calls or letters wanting to talk about my account. He says they have only sent me letters twice. Well I know and have voicemail proof from two phone calls on XX/XX/XXXX alone from someone who says they are Firstmark services telling me it is important that I call them in the next 3 days. These type of phone calls are scary. It makes you feel like you forgot something and that it will affect your credit score. However, Firstmark claims they had nothing to do with it. Last week I go to pay my XXXX bill that has been confirmed was due and that I saw on my account in XXXX and it was no longer there. When I call to ask First Mark what happened, the person on the phone was blatantly rude and said my college had stated I was still attending. I said something about the billing being crazy and he stated, " You know what's crazy the colleges putting in the attendance. '' Since First Mark has taken over my account, I have been made to think that I am late or overdue on my account often due to letters and phone calls, been treated as a delinquent customer, and there has never been accountability from First Mark. Student Loans are often excessive and must always be paid. I know how important it is to pay them for my continued good credit health and future purchasing success. So the fact this type of loan is being handled so poorly is extremely frustrating. Since the loan is over ten years old and there have been so many changes to who holds it, I have always been able to depend on the loan companies for accuracy regarding the account ; Firstmark is neither accurate, nor accountable, nor customer friendly. Something needs to be done regarding their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX and XXXX XXXX showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal actions. Please delete the items as soon as possible. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$1100.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Debt collection

I am in receipt of Rent Recovery Solutions letter informing me that they are handling the collection of the account # XXXX for {$1300.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Rent Recovery Solutions & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Rent Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Rent Recovery Solutions continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX Dear Experian : Please remove the bankruptcy notation from this account. I filed for bankruptcy to stop the foreclosure of my home. I did not include this XXXX account in my bankruptcy. I dismissed the bankruptcy soon after I filed it. 

I do not believe this account should be reported on my report because I did not open it up. But even if the account did belong to me, the balance is incorrect. Although the collateral ( automobile/vehicle ) securing this loan has been given to XXXX, there has been no credit to the balance. Please reduce the balance by the value of the collateral that has been returned to XXXX. 

Yours truly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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