23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report changed my name to name of some other person with similar spelling and included unrelated addresses in my report. This happened last year. I have wrote twice to Equifax with proof of my identity and name. However they did not correct my report nor give my any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a XXXX years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please delete these accounts from my report as soon as possible. They do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I go to XXXX XXXX to check my credit report they have it on my report that I still owe XXXX to XXXX XXXX .. When the car was traded in for a new car and it was paid for by the dealer. They are refusing to take this off. this is not correct. They show me as being late when it wasn't late I no longer own the car. It the title was in the dealer position. Apparently the dealer was late in getting the payment to XXXX so what does XXXX do they punish me by saying I owed them this money .. NO the payment was made by XXXX XXXX XXXX where we bought our new car XXXX They say they get their information from Transunion and rely on Transunion for the information. However Transunion shows the car was paid in full I have tried to get them to remove the late mention since I had no control over the when the dealer paid XXXX. 



XXXX XXXX XXXX Last reported XX/XX/XXXX {$190.00} Reported balance Highest balance {$29000.00} Nice! You've almost paid off 100 % of this loan OVERVIEW Highest balance {$29000.00} Monthly payment {$530.00} OpenedXX/XX/XXXX ( 1 yrs, 0 mos ) Term72 months ( 6 years ) PAYMENT HISTORY green_status green_status red_status green_status red_status You've made 67 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX green_status XXXX green_status red_status green_status Current red_status Not current Last paymentXX/XX/XXXX Payment statusCurrent Worst payment status30-59 Days Late ACCOUNT DETAILS Account statusOpen TypeAuto loan ResponsibilityIndividual Remarks -- Times 30/60/90 days late1/0/0 CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid Marcus by Goldman Sachs Bank US for a loan amount that I owed. The bank hired XXXX XXXX XXXX XXXX  to collect the XXXX. I negotiated a payoff in the amount of XXXX and paid the balance in two payments. Payment one was on XX/XX/21 in the amount of XXXX and the second on XX/XX/21 in the amount of XXXX. Ive contacted both XXXX and Marcus by Goldman Sachs and they have both been no help. I have a paid off balance letter from XXXX and Marcus By Goldman Sachs says they do not have it and I still owe the balance. The two companies will not speak to each other as Ive tried everything as a consumer to get this fixed. Goldman has no way of contacting XXXX to get this updated. They have been reporting that I still owe a balance and reporting me late every month for something I do not owe.
Product: Debt collection

I have noticed this collection on my credit report on XX/XX/XXXX for {$980.00} reported to have been passed due since XXXX of XXXX. I checked with my insurance company and no such medical bill for that amount was presented on that month or previous months for this amount for any family member or myself. I have tried contacting the company but there is no answer at times set for this company as well never getting a letter of notice or proof of this debt.
Product: Debt collection

I paid EOS CCA for my XXXX debt in the amount of {$160.00} which was on my credit report. I am trying to clear up all of my debts and asking for 50 % -75 % reductions on all debts. All debt collection companies have replied with acceptances. This one cashed my money orders but is refusing to take my debt off my credit report. They passed me around on the phone several times repeatedly, let me get you my manager, let me get you my supervisor, oh wait there is this note. I just want this resolved and removed. The next think I know they tell me I owe another {$300.00} and some odd cents. Something I was not even aware of. Then she says when can you pay that. I was so confused! Help me get rid of these people and delete this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Inaccuracies, incorrect, amount, dates, also reported status the vehicle was totaled not a repossession. 
Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX coupe of the inquiries were removed by the original creditor letters was sent to myself and TransUnion, XXXX, & XXXX as well as creditor. They refuse to remove and delete they also remove persolve and add back multiple times each month causing me not to be credit worthy as I am. I am doing this with good intentions and faith. I would like XXXX for rack illegal accusations & negligent matter hurting my creditworthiness.
Product: Debt collection

The account is from XX/XX/year> According to the FCRA, XXXX ( a ) ( XXXX ), derogatory accounts such as collections, charge-offs, or accounts listed as bad debt must not remain on a credit report for more than XXXX years. Given that the XXXX was XX/XX/year>, this account is outside the seven-year reporting window and should have been removed from my credit report. 

This account has been repeatedly reported without proper validation. According to FCRA XXXX ( a ), upon disputing an account, the credit reporting agency is required to investigate and ensure the account is accurate. If the information can not be verified as accurate, the account must be removed promptly. 

The continued reporting of this erroneous and outdated account violates the provisions of the FCRA and causes undue harm to my credit profile. If this account can not be verified and validated with clear, accurate, and documented proof, it must be deleted immediately to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint and alert the authorities that the XXXX credit bureaus, EQUIFAX, XXXX AND XXXX are not operating according to the law and have victimized me numerous times from XX/XX/XXXX to today, XX/XX/XXXX by failing to conduct an investigation on my behalf after I placed a complaint XX/XX/XXXX and XX/XX/XXXX. 

They have not been handling my disputes in compliance with the laws of VICTIMS OF ID THEFT. They did not investigate my claim and stop reporting the information even though I submitted all the proper documents. They did not give me investigation results. 

Since you are the authorities I pray you investigate their handling of my case and remedy or correct as you see is fair according to the law. 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX claiming I owed {$990.00} to XXXX XXXX a debt collector. I knew that was wrong and it triggered a lot of investigation on my end. 

I do not have any payday loans, credit cards, auto loans or mortgages so I KNEW there was a HUGE mistake. I only have XXXX Student Loans from when I got my XXXX XXXX. 

Also, in XXXX I was the victim of CRIMINAL IDENTITY THEFT in California and so I am aware criminals have my information. 

I ordered a copy of my credit report and cried for hours after I saw my credit report was completely demolished. 

There was debt that DID NOT BELONG TO ME AND I DID NOT HAVE ANY RESPONSIBILITY - XXXX credit cards had been opened without my knowledge! They defaulted and were sold several times over between debt buyers like XXXX and other debt buyers. 

I filed a police report. I filed a report with FTC and obtained AN IDENTITY THEFT REPORT that I could send to each company. 

ON XX/XX/XXXX : I sent a letter, a sworn affidavit, FTC XXXX report, police report filed with XXXX XXXX XXXX Police Department, copy of my social security card and drivers license to XXXX. EQUIFAX XXXX. XXXX XXXX. XXXX and the Creditors XXXX. XXXX BANK XXXX DELAWARE XXXX. XXXX XXXX Bank XXXX. XXXX XXXX changed. EQUIFAX, XXXX, and XXXX said that the information was verified as accurate so it would remain on my Credit File but a notation would be added to state that CONSUMER DISPUTES INFORMATION. 

In XX/XX/XXXX when I requested an investigation AGAIN, my Credit Score went down XXXX points because XXXX Bank and XXXX XXXX Bank added a negative comment to my file. 

No investigation was ever completed by XXXX EQUIFAX OR XXXX AND NO INVESTIGATION WAS EVER COMPLETED BY XXXX OR INDIGO XXXX BANK. 

It is XXXX, XXXX and I am still waiting for the information I requested from the Creditors regarding the fraudulent accounts and how they were opened, what information was provided, and any identifying information that may help me achieve a conviction against the person who committed this crime against me. 

The information was not blocked by the XXXX credit bureaus even though I provided a police report, an FTC ID THEFT REPORT AND A STATEMENT OF THE FACTS. I was just left in the dark and totally dismissed. 

To this day, those derogatory accounts are STILL ON MY CREDIT REPORTs!
Product: Credit reporting, credit repair services, or other personal consumer reports

My latest letter was sent on XX/XX/18 where I asked to correct my name to include XXXX.
Product: Debt collection

I contacted XXXX XXXX on XXXX XXXX to ask for them to validate the debt. I do not believe it is mine. They did not respond so I wrote again on XXXX XXXX and they still have not responded to prove that the debt is mine. Under FDCPA, they must remove the account being reported because they could not send me proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the Equifax data breach and possibly placed in the hands of individuals with ill intentions.
Product: Debt collection

I 've received several emails from the c ompany, True Accord   XXXX   XXXX   XXXX   XXXX   XXXX . Beginning in late  XXXX    XXXX   and today  XXXX   XXXX ,   XXXX  . The company is giving me until  XXXX   XXXX  to pay the full amount owed which is {$740.00} or they will pursue legal action against me. I told them that financially I 'm having a hard time meeting that obligation and I requested a much later time in the year. But it 's not to their satisfaction. So the company is continuing with their threats. I am financially in a bind and I honestly do n't know when I will be able to get back on track.
Product: Credit reporting or other personal consumer reports

I have requested for this company to correct and investigate what I believe is an error on my credit report. And did not get any response from the company to let me know that has been verified. I also requested to remove any negative item and requested to send me a verification but no response as well.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I RECIEVE ASSISTED WITH HAF PROGRAM THEY SAY THE WILL PAY FOR 6 MONTHS BUT THE XXXX PAYMENT HAVENT SHOWED UP AND ITS PAST DUE SO NO PAYMENT HAVENT BEEN MADE AND I DONT WANT LOSE MY HOUSE CAN YOU HELP
Product: Money transfer, virtual currency, or money service

I did not voluntarily give my information out to the person that got into my bank account. I lost my phone during the time the fraud occurred. I have contacted my bank to do a dispute. I have never sent money to the person that took the money from my account and accessed my information. It was over six transactions ( ( {$1000.00} {$1000.00} {$1000.00} {$1500.00} {$200.00} {$100.00} ). Totally {$4800.00}
Product: Debt collection

I vehemently object. Please provide an itemized list of the items. I have insurance coverage, and the test and other procedures were completed without my consent as required by law. Additionally, please provide a statement of the 6 to 12 accounts that this company is referencing.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX Account [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally dispute the inclusion of the XXXX XXXX XXXX account, identified by account number XXXX, on my credit report maintained by XXXX. Upon reviewing my credit report, I discovered this item which inaccurately reflects my credit history. I respectfully request the immediate removal of this erroneous entry in accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The XXXX XXXX XXXX account is inaccurate for the following reasons : 1. **Violation of the Fair Credit Reporting Act ( FCRA ) : ** According to Section 611 of the FCRA, consumers have the right to dispute any inaccurate information on their credit reports. The inclusion of this XXXX XXXX XXXX account, which I believe to be erroneous, violates my rights under this federal law. 2. **Inaccurate Reporting : ** The reporting of the XXXX XXXX XXXX account is incorrect. I have never had an auto loan with XXXX, nor have I authorized any such account. Therefore, this entry is patently false and must be rectified immediately. In light of the aforementioned violations and inaccuracies, I demand the immediate removal of the XXXX XXXX XXXX account [ Account Number : XXXX ] from my credit report. I also request written confirmation of the removal once the investigation is complete, as per FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX XXXX U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a accountwithout my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX & XXXX XXXX, XXXX XXXX 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 Delete the late payments please immediately, unless you want to be held {$1000.00} per violation
Product: Student loan

I have previous filed a complaint against Navient on XX/XX/XXXX. you closed the case when they lied about not getting my documentation. They were mailed the same ten documentations that I sent to the CFPB. OnXX/XX/XXXX I placed the envelope containing all ten documentations in our XXXX XXXX Post office because I needed to get the correct amount of postage required to mail the package. Navient has began to implement harassing calling on XX/XX/XXXX @ XXXX XXXX XXXX and again on XX/XX/XXXX @ XXXX XXXX. I called XXXX XXXX in XXXX Ga. I was told they do not handle student loan complaints for senior citizens over XXXX years of age.
I have been sending my documentations to Navient before and there has never been a problem getting my information. I talk with Supervisor XXXX, who continue to lie that they did not get my information. It 's strange after they supposedly did not get my information I received a letter from XXXX  concerning my Public Service Employment loan forgiveness application. It was datedXX/XX/XXXX.I called them and was told the I needed to contact Navient because they were servicing my student loan.The public service loan forgiveness application was one of the ten documentation that I sent to Navient onXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to dispute collections and unauthorized inquiries on several occasions. I have collections on my credit report that was not in collections. I have numerous reporting that I do not recognize and these accusations caused my credit score to drop.
Product: Credit reporting or other personal consumer reports

Despite previous written request, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : JPMCB - CARD SERVICE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found in my credit report. I have identified several inquiries that were made without my authorization, and I believe that they may be fraudulent. I would like these items to be removed from my credit report immediately. 

The following inquiries were made without my authorization : XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX - Inquiry date XXXX XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX Additionally, I have identified two accounts on my credit report that I believe to be in error. The details are as follows : XXXX - Account number : XXXX This account has a payment history despite being charged off. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I do not recognize this business and I would like this account to be investigated to ensure that it belongs to me. Please delete this account from my credit report. 

I understand that you may require additional information to verify my claims. Please let me know if you need any further details or documentation from me to support my dispute. I appreciate your attention to this matter and I look forward to your response. 

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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS 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 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.