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

I am writing to formally dispute the negative credit account listed on my credit report by your institution, which pertains to an alleged credit card debt opened in my name with XXXX XXXX XXXX. The account in question has an account number of XXXX and a balance of {$10000.00}. This account was reported as opened on XX/XX/year>. 

I must stress that this account is fraudulent and is not associated with any legitimate financial transaction or contractual agreement entered into by me. As a victim of identity theft, I have taken all necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). 

The address associated with this account does not match my records, further indicating fraudulent activity. This discrepancy serves as additional evidence that I am not responsible for this debt. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of this debt and demand that it be removed from my credit report if it can not be substantiated as legitimate. Specifically, FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ) require you to verify the accuracy of the debt and the ownership of the account. If you can not verify ownership of the account, it must be deleted from my credit report. 

I request that Experian, XXXX XXXX XXXX provide me with detailed documentation verifying the validity of this debt and confirming my responsibility for it. If you are unable to provide such verification, I insist that you remove this fraudulent account from my credit report immediately. 

Failure to comply with this request within the timeframe specified by law will leave me with no choice but to take further legal action. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and contacting the Attorney General 's office to report your institution 's non-compliance with federal regulations. Additionally, I reserve the right to pursue civil remedies available to me under the FCRA. 

I expect a prompt response to this matter within [ insert timeframe as per your jurisdiction 's laws, typically 30 days ]. Please direct all correspondence regarding this issue to the address provided above. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute with the seriousness and urgency it warrants.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX all have misinformation on me. 

Social Security Numbers ending in XXXX, XXXX, XXXX, and XXXX are not mine. 

XXXX XXXX is not my spouse XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX None of these are addresses I ever lived in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are my name
Product: Credit reporting or other personal consumer reports

Been calling dealerships as well creditors since XX/XX/2023. Regarding these inquiries that I didnt authorize. Their explanations were, the dealerships sent the information to them, and all they did was review the information sent to them. They arent authorized to give out any further details, which is XXXX because its affecting my credit. Told me to file a police report, for identity theft, in which Ive tried numerous times at the County sheriffs department, in which they were giving me a runaround as well, like pure laziness because they didnt want to do the paperwork.Since XX/XX/2023, Ive put my Credit Accounts on freeze, after reviewing all XXXX of my reports.. Something has to give, because I didnt authorize any of these and shouldnt be penalized for things I didnt authorize.Ive resided in XXXX Texas for over XXXX XXXX and have never in my life experienced so much XXXX in my life.. Pure Laziness and unwillingness to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Experian credit bureau and their response was " I can't dispute credit scores ''. If I find an error on my score I should be able to dispute it. 
Two weeks ago my FICO score was XXXX, credit score XXXX. My balance across all accounts was {$81.00}. Experian dropped my score to XXXX stating that I was not using credit from revolving loan. XXXX XXXX XXXX raised it to XXXX. A few days ago Experian raised my credit score to XXXX. According to them my balance was now {$100.00} from XXXX reported to them on XX/XX/17. 
Why are they able to drop score by XXXX points when my balance is {$81.00} and raise it when it is supposedly {$100.00}??? 
I doubled check my XXXX account and also spoke to one of their agents. On XX/XX/17 I had NO balance with them. 
Based on that report of {$100.00} XXXX dropped my score by XXXX point. It's a small drop but it matters because in my opinion they are abusing their authority. 
I thought the CFPB was there to help with Credit Bureau problems but it appears not to be the case. Even when companies open fraudulent accounts no one bothers to help. 
IF I SHOULD NOT BE FILING COMPLAINTS WITH YOUR AGENCY PLEASE LET ME KNOW SIX MONTHS AGO YOU SAID THAT MY COMPLAINT AGAINST XXXX WAS SENT TO XXXX. TWO WEEKS AGO XXXX RESPONDED WHICH WASN'T A RESPONSE AT ALL!!! A NON RESPONSE THAT TOOK ALMOST SIX MONTHS
Product: Student loan

My husband and I have struggled to make the payments on the loans. Navient kept stearing us to forbearance instead of income driven repayment. Then when we asked for income driven repayment, we were told that they would send us information via email on how to apply for it. The email never came. I check spam, trash, etc. No email. Called again and asked for them to resend the email. Was told it would be in my email within 2-4 hours. Again, no email. I finally had to do research on my own and hope that I have gotten it right. My loans are supposed to show that I have made the arrangements and show current, however, it is showing that I am in default. 
Navient also has not given me any direction as to how to handle anything since I became permanently XXXX. They never told me that I could apply for special circumstance because of my XXXX status. 
Additionally, they have changed the amount of the payment on my loans several times. They sent mail with one monthly amount and then within days we get more mail with a change in the monthly amount. It was confusing. 
Navient is not acting in good faith.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX I am writing to formally dispute inaccurate information on my credit report as provided by XXXX, XXXX and XXXXThis dispute is made under my rights as provided by 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ).

Account Information : Wakefield & Associates
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Original Creditor : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I requested a copy of the description of the method of verification procedure used to determine the accuracy and completeness of the disputed accounts in question. Including the name of the company and address and the person name who conducted the reinvestagation process to me. I never received anything from the credit bureaus. I was told I didn't need any documents for the process by their representatives. By State and Federal law, a consumer reporting agency SHALL provide to a consumer a copy of description of reinvestagation process referred to paragraph ( 6 ) ( B ) ( 3 ). Unverifiable accounts MUST be removed from a consumer 's credit file. Silence in this matter is unacceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Should all three credit bureaus continue to attempt to collect these debts without the proper validation, I have the right to sue all credit bureaus in small claims court and subject them to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. I would like to remind that the credit bureaus are legally obligated not to report a debt that has not been properly validated. I am sure that the credit bureaus want to resolve this matter as quickly as possible and avoid any unnecessary complications Should they fail to respond to the letter within 15 days. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute multiple accounts reported by Portfolio Recovery Associates that I believe are inaccurate, unverifiable, and outdated. The details of the disputed accounts are as follows : XXXX. Original Creditor : XXXX  XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : Collection accounts can not report as past due since the account is closed. 
XXXX. Original Creditor : XXXX XXXX XXXX. 
Account Number : XXXX Dispute Reason : Collection or closed accounts can not report as past due since the account is closed. 
XXXX. Original Creditor : XXXX XXXX Account Number : XXXX Dispute Reason : Collection accounts can not report as past due since the account is closed. 
XXXX. Original Creditor : XXXX  XXXX Account Number : XXXX Dispute Reason : Charge-off or closed account inaccuracies. 
XXXX. Original Creditor : XXXX XXXX Account Number : XXXX Dispute Reason : Collection accounts can not report as past due since the account is closed. 

Portfolio Recovery Associates has not provided verifiable proof of these debts, including the original signed consumer contracts, despite my prior requests. According to the Fair Credit Reporting Act ( FCRA ), all reported accounts must be accurate, complete, and verifiable. Failure to comply with these standards requires the removal of the accounts from my credit report. 

I respectfully request the CFPBs assistance in investigating these matters and ensuring that Portfolio Recovery Associates : XXXX. Validates the accuracy of these accounts with the required documentation. 
XXXX. Corrects or removes any unverifiable or inaccurate information. 

Enclosed, I have included : A copy of my credit report highlighting the disputed accounts. 
Copies of prior correspondence sent to Portfolio Recovery Associates requesting validation of these accounts. 

Thank you for your assistance in resolving this issue. Please contact me if additional information or documentation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires that I did not authorize. I have called Transunion and XXXX to get them removed and also the companies directly. I went to a dealership knowing exactly what finance company I was going to use in XXXX and without me giving approval they ran my credit through multiple companies and continued to run it months later in XXXX. I am not sure who was trying to buy a car in my name in XXXX of XXXX. 

The companies are : XXXX XXXX XXXX NO Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Automobile Dealers , Used Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX Transunion- XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : DISCOVERBANK account number XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX {$920.00} XXXX. XXXXXXXX XXXX XXXX {$20000.00} XXXX. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.
Product: Debt collection

On XX/XX/year> I received a letter in the mail from I.Q. Data International notifying me they are trying to collect a debt of {$630.00} that came from our previous apartment complex. My husband also received one. We had not received a statement from the previous apartment complex either by mail or email. On XX/XX/year> I called I.Q. Data International to get more information about the debt. I explained we never received a bill and requested a copy of the bill be sent to us so I could verify the numbers. I was told they can not do that. I asked if they could tell me over the phone the break down of the bill. They said rent and utilities. I was informed I could dispute the debt. After hanging up with them I utilized CFPB 's website to learn what to do next. Using their I need more information about this debt template, my husband and I tailored it to our situation and mailed it on XX/XX/XXXX via USPS Certified Mail. USPS marked it delivered on XX/XX/XXXX. Since then we have not received any communication from I.Q. Data International, even though we said to communicate in writing. On XX/XX/XXXX I was alerted that my credit score had been affected. I.Q. Data International had reported a debt of {$250.00} as past due. On XX/XX/XXXX I lodged a complaint with CFPB and lodged disputes with all three credit bureaus.
Product: Debt collection

Certified credit reporting 3 inquires 3 of 3 XX/XX/2023 I did not give permission to this company to run my credit report or access my credit this is fraud please remove now from all credit reports and to never do it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 i noticed fraudulent accounts on my credit report and challenged them. The accounts were removed by XXXX & XXXX   because evidence supports my accusations. XXXX was the only company to not take my claim serious enough to remove it from my report that's what brings me to this report. I have accounts on my reports that do not belong to me and i'm having to suffer. These fraudulent accounts are hindering my growth.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX collection company XXXX XXXX XXXX was charged off in XXXX have requested this debt be verified and it has not.I have also requested proof I owe this collection company XXXX XXXX XXXX and XXXX havent received it. I have disputed this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1692c ( c ) If a consumer disputes a debt, the debt collector must generally cease collection efforts including credit reporting until the debt is verified. I am attaching the answers to the suit petition served to me by XXXX XXXX XXXX in which I answered the suit requesting the debt be verified. I have not received documentation verifying the debt. The suit petition and attorney notice account numbers match each other in my attached documents.they # XXXX. Once I answer the suit through the court I requested the company validate the debt and they have yet to do so. Attached is my suit answers requesting validation. I keep filing complaints and this account keeps returning verified but nothing has been provided to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against LVNV FUNDING, XXXX XXXX and XXXX, I request this collection company to remove this account from my credit report, with XXXX XXXX and XXXX, since it has been opened under fraud, without my authorization or permission. This account is fraudulent, in this complaint I will give all the documents, such as Police Report, affidavit for identity theft, I consider that this information that I will provide is just enough to block this account that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

I mailed out a dispute letter to Transunion on XX/XX/XXXX requesting for an investigation on an account thats reporting inaccurately on my report under collection name XXXX XXXX XXXX with a balance of $ XXXX was mailed since XX/XX/XXXX, I called today XX/XX/year> and spoke with a transunion XXXX and he advised they just received letter he's unable to process it and it will take an additional XXXX  days for processing team to process dispute. I will then have to wait an additional XXXX  days for investigation to be completed.When ask to speak with a supervisor, they inform theres no supervisor to transfer me to. I find this process to be unacceptable and requesting for the CFPB to look into this matter. I need to purchase a truck soon the inaccuracies of these accounts are impacting me significanly. Please look into this matter and have this account deleted due to the violation of several Fair Credit Reporting Act rules.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I've been dealing with this for months now and Im now having the same problem I had with XXXX and XXXX that I am now having with XXXX. Some one stole my identity, used my maiden name and obtained a federal student loan through EDFinancial to attend XXXX XXXX XXXX in Louisiana. Ive tried to contact the school I have yet to hear back from them. Im still battling with Ed Financial to get this off my credit and all obligations to this loan. I have summited a police report and other documents supporting my dispute. I was informed that the loan was obtained by the thief in XXXX of this year 2023 to an address in XXXX XXXX Louisiana. Ive never went to school there nor have I ever lived in Louisiana. Born and raised in XXXX. I also have proof of residency for the time frame the loan was obtained. I am seeking help in this matter. It has caused major XXXX and delay in plans for a home. I have also files under XXXX as a few websites have suggested. Im so lost at this point and hoping that someone can help me thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to XXXX ; XXXX and Transunion that I am ( 30-60 ) days late on the XXXX, XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I set up auto pay for this account. When I obtained my most recent copy of my credit report, I discovered that XXXX is reporting this account late. I immediately contacted XXXX and was told by the representative the company doesn't have any record of this account set up on auto pay. This is not true. Timely monthly payments have been made. The lates that are reporting are incorrect and are seriously harming my credit score and need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.