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

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Happy XXXX XXXX to you and I hope your day is going well. My information is inaccurate across the credit bureaus. The other bureaus are showing nothing for these accounts and everything supposed to be the same. I am a victim of identity theft. Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complaint myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Credit reporting

In 2010 I was notified by the IRS that someone had filed a fraudulent tax return in my name and received a refund. A police report was filed with the XXXX XXXX Police Department. As a result of this unknown/fraudulent tax liens were placed in my name as well as a BK. 
Transunion removed the BK once I supplied them with my police report and other pertinent documentation, however they re- inserted the BK back to my credit write while I was in the middle of applying for a loan. 
I have tried to reach out to them for the past 6 months and the public record account still remains on my credit even though it is not mine!! 
BK XXXX
Product: Debt collection

My name XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XX/XX/XXXXXXXX {$5800.00} XX/XX/XXXX XX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX XX/XX/XXXX XXXX {$2200.00} XX/XX/XXXX XX/XX/XXXXXXXX {$1400.00} XX/XX/XXXX XX/XX/XXXX XXXX {$800.00} XX/XX/XXXX XXXX. XX/XX/XXXX, XXXX XXXX {$290.00} XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been late on my mortgage since XXXX. So, at the end of XXXX ( maybe XXXX ) I applied for a loan modification. They needed a particular document that I could not get until XX/XX/XXXX. So, in XX/XX/XXXX I applied again for the for the loan modification. It was approved. In XX/XX/XXXX ( i believe ) I began making the new loan modification trial payment. I always pay my mortgage the last week of the month prior. So mostly a week early. On XX/XX/XXXX when I went to make my XX/XX/XXXX trial payment I could not. At that time I was advised that my modification was denied because I was sent documents in XX/XX/XXXX and that I did not return the documents. These documents according to XXXX agent # XXXX, were the original docs that I had already submitted and returned notarized. I was told that the docs were sent via XXXX XXXX. I asked them to check the tracking because I never received any documents. Each time I spoke with XXXX agent # XXXX. She stated that she checked the tracking number and that it never left XXXX. I then asked if she could roll this up to her managers because I had been very careful to do everything that was asked of me. She told me that XXXX XXXX agent # XXXX was the one that needed to revised the decision. Again to no avail. On XX/XX/XXXX I spoke to XXXX again who told me that she spoke to her supervisor, XXXX XXXX. That XXXX XXXX was going to reach out to XXXX XXXX directly yo see why docs were resent that I had already signed and sent in. And to see why I was denied. Again no resolve. On XX/XX/XXXX I was then told that needed to complete another loan modification since that one was denied. However, I was never given a reason or any assistance. Then I received a late payment on my credit report. And I had to pay XXXX over {$16000.00} to get my account current because I was afraid they would take my home because I began getting nasty collection calls. Then to add even more insult. After I paid the $ XXXX they sold my account to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

i talked to capital one and they said they couldn t do anything in response to me asking them to remove hard inquiries from my credit report and they said i should call credit bureau which i did so i keep getting run around when their not honoring their policy of no harm to my credit when i check
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with HARVARD COLL plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$1300.00}
Product: Credit card or prepaid card

Hi, I trying to resolve this problem since XXXX XXXX, i call XXXX XXXX, citi bank, i keep calling all the time to get help, XXXX XXXX i send copy off my social security, and they still don't do anything i need help, i have a closing day for my house and if I dont fixed this situation I will loose {$10000.00}, with the real state, please if you can help me i will be very happy, thankyou
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB, reported on my credit as an inquiry in which I was never made aware of this company in anyway. Reached out to the company to let them know what was going on and I have heard nothing.
Product: Mortgage

I was approved for a modification, I went through the trial period, paid accordingly for XXXX then in XXXX I attempted to make my payment by the same method and was not able to. During this time I concurrently applied for a GA Homeowners Asstance Funds Application per my Servicer. I later learned 45 days into the process that this program is subject of an investigation due to some fraudulent activities within the project itself. I received conflicting information from several relationship managers on which avenue would be most beneficial in correcting my default due to covid and the subsequent forbearance exercises. I have sent in many documents proving my income, proving my SS. When the forbearance period ended I made all payments up to date until XXXX, until I was informed I could not make any further payment and that my account was refered to a lawyer. When checking my documents I could call on a Friday and then on Several Days Later, I am asked for more documents. It was under lots of stress, so I reached out to my Congressman on NC and GA. In addition to the aforementioned, during the years of 2019 to present, my daughter was battling a very serious bought of XXXX XXXX, and at that time she was undergoing XXXX and subsequebtly preparing for XXXX for removal of a XXXX XXXX. I did my best to manage all of the issues I was goung through during those years. Concurrently, I also have a brother that is a XXXX survivor, and was battling a reccurance and also dealing with a XXXX XXXX XXXX that left him XXXX partially, and unable to perform duties as he did before the onset of the nerve issue. A relationship managers has asked if I can catch up with my payments, in which I stated yes am able and have been prepared for this. I was traveling back and forth between my brothers home of XXXX XXXX and my residence in XXXX to ensure that both of my family members were getting proper care.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning the late payments reported on my credit report. After reviewing my credit report, I have identified discrepancies in the reported late payments, and I am seeking your assistance in correcting or removing these inaccuracies promptly. 
XXXX XXXX XXXX XXXX XXXX I understand the importance of maintaining accurate credit information, and I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation that validates my claim and provides evidence of the incorrect reporting. I believe that with your expertise, we can rectify these discrepancies efficiently. However, if they are determined to be inaccurately reported, I request that you correct or remove them from my credit report immediately. 
Thank you for your prompt assistance in resolving this matter. I look forward to a positive
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Hire Right to advise them that the information they have is inaccurate and incorrect. They stated that the information they have and received was from the credit bureaus. I reached out to all 3 credit bureaus, and none of my information matches the information that Hire Right have. I've stated and verify to Hire Right that this information is inaccurate and they must delete it immediately and I also stated to them they are in violation of my rights under the FCRA. They have ignore and denied my request and continue to report false reporting on my report and even after I verify the information is inaccurate. They are falsifying documents stating that they can not reach me, but then their mailing me out letters. I have mailed letter to Hire Right requesting a reinvestigation and to resolve my issue, Hire Right have declined my request. Due to this inaccurate information on my report I have been declined equal opportunity to housing, loans and employment.
Product: Credit reporting or other personal consumer reports

I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. Please see the attached copy of my dispute letters that were recently sent to the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently filed disputes with all three of the credit reporting agencies and it has been well over 30 days with no respnse.
Product: Debt collection

Receivables Performance Management ( RPM ) has misrepresented the facts in order to try and collect on an alleged debt. I had previously filed a complaint against RPM disputing the alleged debt and stating that I have never received a validation letter. RPM responded that I had spoken with them in XXXX 2016, which is a flagrant lie because I did not speak with them in XXXX 2016. They are lying which is a flagrant violation of the Fair Debt Collections Practices Act. I have asked for verification as to the XXXX 2016 phone call because I did not speak with them in XXXX 2016. I have disputed the debt and RPM has not provided me any documentation as to how they own or are authorized to collect on this alleged debt and validating that I would owe such a debt because I dont. In addition, RPM agents hung up on me twice on XXXX XXXX, 2016 when I called to dispute the alleged debt. RPM has repeatedly lied stating that they do n't have a record of the phone call which is a flagrant lie. RPM is engaging in serious violations of the Fair Debt Collections Practices Act with their abusive and deceitful debt collection practices. I do n't owe any alleged debt to them and am disputing the debt. I want the alleged debt removed from my credit report. They are constantly trying to fish for information when you ask them to verify the information which is another flagrant violation of the Fair Debt Collections Practices Act.
Product: Debt collection

i had a phone plan with XXXX XXXX XXXX for one month and they told me the charge will be {$30.00} and when i got my bill it was {$280.00} ...... I called them and was trying to talk to them and nothing helped so if you can please help me I d'ont want this to effect my credit. I pay all my bills on time a I think its not fair that this wrong bill should effect my credit
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint I Filed an FTC identity theft affidavit to report 15 fraudulent accounts apeearing on my consumer XXXX XXXX credit report which I do not recognize as reported and which are the results of identity theft and fraud. These fraudulent accounts consist of a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fico credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

We have sent several certified letters and emails requesting payoff amounts, proof of fees, history of payments and other pertinent information. 

NES acknowledges receipt of requests but will not respond or even provide any useful or relevant information in writing. 

The one form letter/statement NES sent left more questions and problems than answers and it did not respond to any of the concerns we inquired about, like the allegation of there being more than one account.

They have said several times that they can only communicate by telephone and thus provide no written records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX / XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX  XXXX XXXX XX/XX/XXXX 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 an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

HIPAA Privacy Violation In a letter dated XX/XX/2021 I advised the credit bureaus ( XXXX XXXX, XXXX, EXPERIAN ) that I requested validation ( not verification ) of an item being reported to them by XXXX XXXX XXXX. The credit bureaus as well as XXXX XXXX XXXX responded with the items being " verified '' which puts them in violation of my HIPAA rights. XXXX did not validate this item being reported or provide a HIPAA release.
Product: Credit reporting or other personal consumer reports

Experian Violated In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.

15 U.S.C Section 609 Accuracy of item on credit Report and provided adequate evidence XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 section 602 A. - These accounts shall be removed/deleted immediately until they receive my written instructions. 
and thats it. 
Removed inaccuracy with in XXXX  days and provided written evidence method of verification to consumer.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are reporting my consumer reports improperly as they CAN NOT continue to report an account as " charge off '' each month AFTER the account had been close. The consumer report should state the account is closed and each month after it must be reported as " no data ''. However because they are reporting it as charged off each month, which is inaccurate, it is hurting my ability to get an extension of credit. I demand that they delete this inaccurate information from my consumer report immediately.
Product: Vehicle loan or lease

Your reappearance of the complaint number XXXX is not supported under any federal or state law. but rather it is a violation of consumer rights 15USC1692a ( 3 ) 15USC1602 ( i ) ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

So you say that you deny having violated any state and federal law. But according to title 15 USC 1692 you can not make a decision like refusing to extend my credit based on information from a third party as in this case. 1. They mention credit history again, credit history is not a factor in denying a credit extender, according to the Truth In Lending Act.

They put it well, part of their credit assessment. Your evaluation violates the federal equal opportunity law, since your decision is based on a supposed Score that is only a simulation and is not even a federal law and much less is contained in the Truth In lending act. Not in the CFR, Fair Credit Reporting Act. 

It is the last time that I refer them again to approve the application and extend my credit. 
Of you not doing it, based on the excuses you used in your answer, I am going to proceed with a lawsuit since you have just violated title 15 of the United States, seeking information from a third party that is a corporation that in turn can and does manipulate the numbers at your convenience to profit from the consumer.

I am not supposed to have a credit score to get a credit extension.

They are not supposed to a supposed credit history to extend my credit.

They are not supposed to check with a third party other than the consumer himself when they want to receive information from the same consumer.

Those are violations that you overlooked when writing a statement like this.

And I have my UCC-11 from the state of Massachusetts ready to send as proof that I have no debt. 

And to mention that because of my income they refused to extend my credit is another violation, since you are not the ones who will pay for the property with your own funds. 


And I understand that you have no control over the agencies, just as the agencies have no control over the consumers. And you do what they say, they are a third party, you should have sought information directly from the consumer and not from a third party as you did. Violate the 15USC title
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts.
Product: Vehicle loan or lease

Hello Im contacting CFPB to help me out with a car loan/repossession it showed up on my credit report as closed I want it removed so when my credit Score is being rand I dont want that closed account for {$10000.00} to show up and this account was in XX/XX/2016 Can you help me