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

XXXX ( XXXX ) XXXX is reporting these fraud inquires on my account please remove from my credit report as per consumer privacy law thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 XXXXXX/XX/XXXX
Product: Debt collection

My former property manager XXXX XXXX XXXX attempted to illegally evict me, but I won the original eviction case. They violated additional laws, including the North Carolina Residential Rental Agreements Act, the North Carolina Security Deposit Act, and the North Carolina Unfair and Deceptive Trade Practices Act, by failing to provide a statement at the end of my lease and mishandling the return of my deposit. During the proceedings, I paid the alleged debt amount to the court in the form of rent bonds. Despite this, a year later, they continue to harass me with this alleged debt. After requesting validation of the debt, my credit has suffered due to their deceptive business practices. My legal representation throughout this predatory process was the Legal Aid of North Carolina, and there is public record of this action.
Product: Credit reporting or other personal consumer reports

I filed a FTC identity theft to report these separate fraudulent accounts. I just became aware when XXXX  XXXX and discover sent letters saying they were XXXX etc behind. They would not remove them after countless calls. I had to file debt repair and keep paying to it wouldn't affect my credit even more. I had no idea I could file a report so that's why i'm doing this now. These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credible report. I demand the aforementioned fraudulent items be removed from each of my consumer report and all collection activities related to said items cease persuant to my rights with the FCRA and FDCPA law. 
additional inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  additional account : XXXX  XXXX. 
I do not recognize the aforementioned accounts, collections, and hard inquiries in question. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft criminal complaint # XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I received information from another credit monitoring system, my personal information was shared on the dark we. Then i noticed inquires that I'm not familiar with, can you please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX companies Address : XXXX XXXX XXXX XXXX, TX XXXX Phone # XXXX
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Credit reporting, credit repair services, or other personal consumer reports

The information showing on " Experian Credit Tracker '' monitoring website is incorrect.
The summary page shows that I have 2 " late payments, '' time since late 40 months, and 1 public record. When I research on this web site I find the 2 late payments. One of those late payments shows as XX/XX/XXXX for XXXX. I did not have a late payment with XXXX in XXXX of XXXX. The other late payment shows up under my XXXX account for XX/XX/XXXX. I did not have a late payment for XXXX. I was on the phone with Experian for almost 2 hours. 1 hour with " XXXX '' that said what I was seeing were not " late payments '' that they were about my bankruptcy. When I told him that my bankruptcy showed up below the late payment information, he refused to acknowledge that. I asked to speak to a supervisor. He came back on the line and asked questions of me that his supervisor was asking of him. When I asked him if I could speak to her directly, he put me on hold for nearly an hour. Finally, I spoke to XXXX. She came on the line and admitted she did n't know anything about Experian 's Credit Tracker product and gave me the same explanation as XXXX. She insisted that my 2 late payments were from XXXX XXXX XXXX in XXXX. When I told her that the site showed them as XXXX and XXXX, she did not believe me and would not let me send her the screen captures ( attached ). She said that if I wanted to cancel my membership, she would transfer me to " membership. '' I was disconnected. I called back and spoke to XXXX. He said I should cancel my membership and gave me a cancellation number XXXX. He said he would put me through to a supervisor that would discuss a refund with me. I spoke to XXXX. I pointed out that the website was reporting inaccurate information based on the credit report that I download from the site vs. what was being reported on the site. At this point, she said I would have to have " the credit reporting company '' mail me a credit report directly and then mail it to her in " membership. '' She added that I could n't do that because XXXX had already canceled my membership. It seems like they are doing all they can to not cancel memberships and they have no interest in resolving inaccuracies on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out dispute of information reporting to bureau, came back VERIFIED, sent request for method of verification as my right in accordance with FRCA, no response was given to my request within reasonable time frame ( 15 ) days to ( 30 ) days. Instead an automatic XXXX XXXX response was sent 3 times stating that it had been verified disregarding my request for what method was used to verify this account. That is clearly in violation of my consumer rights even disregarding a solution or anything to the previous complaint I submitted to XXXX. I am demanding that this account be REMOVED PROMPTLY, as they were in CLEAR violation of my rights according to FCRA 611 ( 6 ) ( b ) ( iii ) I have attached supporting documentation. 
Accounts XXXX # XXXX XXXX # XXXX
Product: Mortgage

The proceeds of the sale of my deceased mothers home are held in Escrow at Metropolitan Title , LLC [ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ] since the close of the sale on XX/XX/XXXX. At that time I was given a settlement statement. 
Issue # 1 : The estate is still in probate and has not been closed. Because the money in escrow belongs to the estate there are accounting 's that are filed with the Commissioner of  Accounts. Prior to the first accounting which was due on XX/XX/XXXX, XXXX XXXX had been contacted by both myself and the estate attorney on multiple occasions asking for an updated statement with a current balance. Such statement was never produced and the accounting was filed to the Commissioner of Accounts without the necessary paperwork. 
A second accounting is due to the Commissioner of Accounts on XX/XX/XXXX. I have both emailed and spoken with XXXX XXXX XXXX and his staff. He agreed over the phone to send a statement to the Estate Attorney. The contact information to do so was emailed to him immediately after the phone call. Two weeks have passed since, and to date no such document has been received.

Issue # 2 : The proceeds of the sale of the decedents property have been held with Metropolitan Title for a considerable time. There are three joint administrators of the Estate who could not reach an agreement on how to disperse the funds. From my very first phone call with XXXX XXXX back in XX/XX/XXXX he has stated that if the money had not been taken out of Escrow within 1-2 months he would inter-plead the case and it would go to court for a judge to decide. This threat of the case to go before a judge has been reiterated numerous times over the past 18 months with no action taken. On XX/XX/XXXX the estates 3 administrators reached an agreement regarding the release of the funds. XXXX XXXX was immediately notified and by email given names, addresses and phone number of each of the three administrators. Two weeks have passed since this time with no word from Metropolitan Title.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX  XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Debt collection

This company is negative violating my rights they have not provided validation Information. Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my personal consumer report recently. Although this agency is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report.

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report.

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

No consent is IDENTITY THEFT! 

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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX in XXXX XXXX BANK # XXXX XX/XX/XXXX -- {$19000.00} tu/exp XX/XX/XXXX in XXXX XXXX # XXXX XX/XX/XXXX -- {$500.00} XXXX XX/XX/XXXX in XXXX XXXX # XXXX XX/XX/XXXX -- {$4100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX in tu XXXX  # XXXX XX/XX/XXXX -- {$3300.00} exp XXXX # XXXX XX/XX/XXXX -- {$0.00} tu XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX UNAUTHORIZED INQUIRIES : XXXX OF XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 got my credit reports and XXXX and experion had report accounts and address that did not belong to me so I disputed the accounts and addresses that did not belong to me and I did the dispute twice and they still have not removed the address or accounts the accounts arXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called all these creditors and was told that these accounts belong to a XXXX XXXX XXXX and NOT XXXX XXXX XXXX and that they need to remove the accounts asap also there two address that are not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX also needs to be removed asap
Product: Student loan

Navient is showing that I have missed a payment in XXXX and XXXX of 2020, which is inaccurate and misleading information. I have Never paid late on this account, this company is in violation for reporting inaccurate and misleading information according to 15usc 1692e and also for reporting late payments according to 15 usc 1666b. The payment history is also showing to be inconsistent. The month of XX/XX/2020 it shows that I was 90 days late and XXXX shows XXXX  days late. How is that possible? If I have been current every month before then. These late payments are ruining my reputation as a consumer and has hurt my report tremendously.
Product: Mortgage

I got a copy of my credit report from XXXX but first from XXXX and I saw that Citizens Bank reported me for being late in XXXX of XXXX but at the inception of it, I gave them permission to take directly out of my checking account which I see on my statements. The money is taken out MONTHLY. Also, I pay several times a month to pay it down but I never, since I got the HELOC, what the balance is?! If the bank made an error and There are also gaps and reporting that I did not pay for months when, as aforementioned, they auto-withdraw every month except this monthXXXX as I do NOT trust Citizen 's Bank. Frankly, I do not even understand why they are listed at all as negative on my credit bureau but it IS APPARENT THAT THE BANK MARKED ME LATE?! A deducted it on the XXXX day -- why is it on and affecting MY credit score which contributes to bad risk on my car insurance, high-interest rate on my car payments, etc I tried several times since XXXX to see my account but if I say ( upon either going into a branch or by phone that I want to see my balance ), it seems illegal or unjust the people just say nothing but that is it ...? At one point, I was transferred to the HELOC Department and was told that there is NO RECORD OF ME EVEN HAVING An HELOC?!?! Also, a Senior bank rep, XXXX at the XXXX XXXX XXXX branch, called that department because, through U.S. Postal Service, I got a letter stating that for some reason it is closed and when XXXX called and was given a reason, he would not tell me???? That is peculiar ... I do not ( as of this date ) see neither my checking or HELOC and no correspondence so where or to who is the money going to and why am I blocked from seeing on my end what is going on with my money but the rep, XXXX has since been transferred out of that branch on XXXX XXXX. Please help.
Product: Checking or savings account

Citi bank closed my account due to fraud transfers from my XXXX XXXX to my account. My account was closed they said they will provided my balance after 30-60 days which would be XX/XX/11 now they are saying they wont give me my funds because they closed my account due to my last check deposit I have to contact the maker have them issue a refund. Its inconvenient to have my employer due that due to the fact they confirmed check was cashed.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to rectify this situation, it has become painfully evident that your organization either lacks the ability or the will to correct this glaring issue. 
I initially brought to your attention the existence of fraudulent accounts associated with my name and social security number. Since then, I have submitted multiple dispute letters, along with all the required documentation, including a copy of my driver 's license, an identity theft report filed, and any other evidence I could muster to prove my case. To my astonishment, my pleas for assistance have fallen on deaf ears, and the fraudulent accounts persist with impunity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... 
This ongoing debacle has wreaked havoc on my life, making it virtually impossible for me to secure credit, obtain reasonable interest rates, or pursue my financial goals. I am forced to question whether your agency is more interested in protecting fraudulent creditors than it is in upholding the Fair Credit Reporting Act and the rights of consumers.
Product: Student loan

I am on the PSLF program. I emailed w2 and had the employee fill out the paperwork, they said payments counted but yet it is not showing as being counted-it says employee not certified. I have called multiple times and emailed, and even call XXXX XXXX XXXX to find out because Mohela kept saying it was their issue not Mohela which is their response to anything. I have faxed over the paperwork several times and they keep returning anything saying its not acceptable or they cant read it. Anything to not make my employment count. None of my payments under the new laws are being counted either.
Product: Credit reporting or other personal consumer reports

late payments on vehicle that was total loss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I bought through companXXXX XXXX XXXX XXXX XXXX XXXX has not paid remaining balance Now I have late payment on credit report
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to gain access to my account at Experian for the last two weeks and can not get past their phone tree to talk to a human being. Their automated response has informed me that they can not forward me to a specialist.