23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Afni collection agencie for XXXX XXXX XXXX for the amount of {$140.00} showe 's on my credit report as negative i do not owe this money as we have had XXXX XXXX XXXX XXXX for years an it has always been under my wife 's name we have never been late they are still our provider .Would like to have this removed from my credit report .I know that this company has been reported before of trying to collect from people that do not owe an as being a ripoff
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

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

XXXX XXXX XXXX XXXX ) Account number : XXXX Contract XXXX XXXX ( XXXX XXXX ) Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account number 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed items on my report that are inaccurate. The credit bureau has failed to do a proper investigation and my rights are being violated. The FCRA says my report must be 100 % accurate.
Product: Debt collection

XXXX XXXX am a victim of identity theft and fraud. EXPERIAN IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3rd ATTEMPT WRITING EXPERIAN ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my equifax score dropped 95 points for no reason at all there no trace as of why on XXXX  XXXX  an theres 2 bills owed that forsure wasn't me because I had health insurance threw the state at the time an all my stuff was paid for an this false accusations are affecting my report
Product: Credit reporting

I have disputed several times with TransUnion, provided them with my personal information and still nothing has been addressed. There are inquires listed which were not authorized and business inquires which should not be listed on my personal credit file. There are also XXXX which I do not use XXXX as this is not my name is it XXXX. Please help me resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting incorrectly on all XXXX credit bureau agencies. I have made multiple disputes with all XXXX CRA and have also been in contact with XXXX XXXX on the phone as well. On XXXX this account has been reporting as open and closed multiple times thus making my score go up and down. XXXX XXXX XXXX has also been reporting incorrect balances, as well as incorrect payment dates. I have also request via multiple phone calls to have all account history ( statements, payments, repo dates, notices & repo sale bills. etc. ) sent to my address. XXXX never notified me of any sale of my XXXX XXXX escape in XXXX. They have failed to update my address per multiple phone calls and purposely continued sending my notices to an address. XXXX had my most current address per the fact the car was repossessed 2 times in XXXX. Not only this but they had also sent me credit denials to my home address despite me never giving them permission to run my credit for an auto loan. Per the IL repossession law which was violated by XXXX, they are required to do/allow the following which they did not do. 

- If youve paid at least 30 % of your loan at the time of repossession, youll get a notice of redemption. This notice says that if you can make the missed payments and pay the cost of repossession within 21 days, you can get the car back. 
- Illinois repossession laws dictate that a lender must mail all borrowers of a repossessed vehicle a notice stating that you have the right to retrieve ( redeem ) your car or truck once you have satisfied all of the outstanding issues related to the vehicle repossession. 
-Illinois repossession laws also dictate for a public sale, such as an auction, the notice must include the time, date and place of the sale. The requirements of the notice are set out at 810 ILCS XXXX and XXXX. Other Requirements of the Notice : It must tell the debtor about their redemption rights It must give enough time to redeem or to find other buyers before the resale It must be given not only to the primary debtor but also to cosigners and guarantors It must be correctly addressed If it states the wrong information on the notice, such as wrong date or sale location, the notice is no good It must be written If the creditor learns that the debtor did not receive the notice and took no steps to correct it, the notice is no good A debtor must be sent a new notice if the sale gets rescheduled **all of which were violated*** Santander has violated my rights of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 
XXXX furnished inaccurate information about my credit to Consumer Reporting Agencies that it knew or had reasonable cause to believe was inaccurate -Santander failed to promptly update and correct information furnished to CRAs that I determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA 15 U.S.C. 1681 s2 ( a ) ( 2 ) XXXX furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ).
Product: Debt collection

I saw a collection company on my consumer credit report. I contacted the company ( JEFFERSON CAPITAL SYSTEM ) in writing on XX/XX/XXXX requesting the documents below & to date XXXX XXXX I have NOT received ANY response from JEFFERSON CAPITAL SYSTEM.
Product: Payday loan, title loan, or personal loan

The sales person did not accurately and honestly depict the terms of the loan and the repayment fees. The original loan was for {$1400.00}. I have made 4 payments directly from my bank account in the amount of {$470.00}. They are now saying that there is an additional outstanding balance of {$1900.00}. This companies practices are unfair, deceptive and abusive. Correct address is : www.//Rushmorefinancial.net
Product: Credit reporting or other personal consumer reports

Re : Dispute of Unauthorized Inquiries on my credit report I am writing to dispute unauthorized inquiries on my credit report maintained by your agency. Despite my previous attempts to resolve this issue, these inquiries remain on my report. 

Unauthorized Inquiries : [ inquiry ] XX/XX/XXXX ] [ XXXX XXXX XXXX ] I have been a victim of identity theft, and someone has been using my personal information without my consent. I have contacted XXXX XXXX, XXXX, Equifax and informed them of the unauthorized activity. However, they have refused to remove the inquiries. 

Previous Dispute Efforts :. Date of initial dispute : [ XX/XX/XXXX ] Method of dispute : XXXX Phone/Email/Letter ] Company representative XXXX XXXX XXXX ] Request : I request that you : 1. Immediately remove the unauthorized inquiries from my credit report.

2. Conduct an investigation into this matter.

3. Provide documentation supporting the removal of these inquiries.

FCRA Section 611 Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), I request that you take prompt action to correct or delete the disputed information. 

Personal Information : Name : [ XXXX XXXX ] Address : [ XXXX XXXXXXXX XXXX XXXXXXXX la XXXX ] Documentation : I have attached a copy of my Identity Theft report ) to support my claim. 



I certify that the information provided is accurate and true. I authorize your agency to investigate and correct my credit report
Product: Debt collection

On XX/XX/XXXX, I receive a letter by mail from Receivables Performance Management LLC, telling me that I own XXXX dollars. I am confused because I never hear of their business, I never get business with their business, so I don't understand how I own a debt with this company. 
On XX/XX/XXXX I sent mail to asking the company, but I never receive a response. they put a negative mark in my credit report and I now can not get a Mortgage because of this mark on my credit and the company will no help me with this unfair situation. 

This Debt have a Original Creditor that is XXXX so I already paid the debt to them and I have the confirmation number that is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow up complaint of my credit reports and Im very upset about the result that I have received. These inquiries are unauthorized reporting in Equifax and XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

Way2Go payment card solutions for XXXX XXXX isnt releasing my XXXX XXXX  client adjustment thats been well overdue 212 days they kept trying to provisionals on my account and filing false fraud statements along with disputes that I never made and the agents keep haunting up or seeing where they didnt see my fixed funds from my unemployment agency they keep illegally taking my money and bout time it get fixed they keep throwing me in fraud so Im bout to maybe lose my car and other things due to them holding my funding illegally when the program release my funds to this card company and the agents is really rude and false and dont file disputes
Product: Checking or savings account

Wells Fargo has already closed a joint CD I had with my daughter and is closing the rest of my accounts. The only explanation they gave me was that its a business decision by the bank and its final!!!! 
Ive bank with Wells Fargo close to XXXX years!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove this information resulting from identity theft upon receipt of my request. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

So I didn't start worrying about credit until I was in my middle 40s. I'm currently XXXX years old and when I turned XXXX I wanted to open a business and it was a difficult for me to get funding due to the fact I was told my credit report was bad and had a lot of negative items on them. So I started learning about my credit report and I noticed that I never had the credit cards or vehicles or phones or loans that were showing up on this report. So I kept studying and learning about the laws regarding credit reports and how to get these things off so I can establish some sort of credit. I found out the charge offs were the worst and I had two of them one with XXXX XXXX that started in 2013. I watch XXXX videos and also read a lot so I couldn't afford to have somebody do this for me so I started getting these items off my report myself and I filed reports with the identity theft.gov Federal trade commission I've made police reports and most of the stuff has been removed but this charge off has been very difficult with XXXX XXXX and XXXX XXXX. I've taken the necessary steps and their stonewalling me. I might need these items off my report so I can move on with my life.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Address on My Credit Report Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an inaccurate address listed on my Experian credit report. Despite my efforts to correct this information, the inaccurate address remains and may lead to confusion or other issues with my credit profile. I have filed XXXX FTC reports due to identity theft these addresses could be a result of my leaked personal information Details of the Issue : Upon reviewing my credit report, I noticed that the following address is inaccurately listed under my personal information : XXXX XXXX XXXX XXXX Texas XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX This address is not associated with me, nor have I ever resided at this location. Its inclusion on my report is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies maintain accurate information. 

Harm Caused : The presence of an incorrect address could lead to : XXXX. Delays or denials in processing credit applications. 
XXXX. Misrepresentation of my personal and financial history. 
XXXX. Potential misuse or fraud due to incorrect personal data being linked to my profile. 


Supporting Documents : I have attached a copy of my credit report showing the inaccurate address. Additionally, I am happy to provide proof of my current and prior addresses if necessary. I have added my light bill to show current address Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, report. 
I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax Please verify or remove immediately the following accounts : XXXX  XXXX XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX xxxxxxxxxxxx XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX XXXX am a victim of identity theft and I never authorized this inquiry. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this Matter, I also certified mailed these companies affidavits on how they verified my debt and to show me or provide me the way they verified, with my certified letters I provided a copy of my ID, police report on identity theft and irs identity theft affidavit, and they still will not comply with my rights to take the fraudulent claims off my credit report I sent all the certified mail to all the credit bureaus and collection companys on XX/XX/XXXX and they will not cooperate, XXXX  XXXX XXXX asked for papers I already provided in the certified letters and they still wont take the fraudulent credit reports off my credit, every company has not took it off my credit report, my identity theft is so bad someone made XXXX companies with my information and XXXX XXXX said I owed them XXXX XXXX XXXXXXXX dollars, I have been trying to fix my credit and fix my identity fraud for some time and no one is working with me and giving me my rights they just want to continue saying its verified and will not disclose any information on how it got verified or how they can prove I opened it myself.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information Reported by XXXX  XXXX XXXX on Credit Report Dear CFPB, I am writing to formally dispute the reporting of inaccurate information on my credit report concerning the account referenced below : Account Number : XXXX Creditor Name : XXXX  XXXX XXXX Account Type : Revolving ( Credit Card ) Upon reviewing my credit report, I identified the following discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) standards for accuracy and fairness : Account Status Misrepresentation : The account is marked as " CHARGE_OFF '' while simultaneously indicating that the account was " Closed at Consumer 's Request. '' These XXXX statuses conflict and create confusion about the nature of the account closure. 
Dates of Activity Omission : The " Date of Last Activity '' field is blank. This is crucial information that must be accurately reflected to determine the timeline of delinquency and reporting.

High Credit Information Missing : The " High Credit '' field is incomplete, which obscures the accurate reporting of account performance. 
Available Credit Inconsistency : The report lists " Available Credit '' as {$3600.00}, which seems inaccurate given the account is charged off and closed. 
This inaccurate reporting violates my rights under the FCRA, which requires furnishers and credit reporting agencies to ensure that all reported information is accurate and complete. Furthermore, I am referencing the {$3.00} XXXX fine issued by the CFPB against Equifax for providing inaccurate consumer credit information as a precedent for the importance of accurate reporting and the CFPB 's role in enforcing these standards. 

I request that the CFPB investigate this matter and XXXX XXXX  XXXX XXXX to correct the inaccurate information or provide verification of its accuracy within the mandated 30-day window. I also request that this account be temporarily marked as " in dispute '' on my credit reports until the investigation is complete. 

Attachments : XXXX of the account details for reference. 
Copy of my government-issued ID. 
Recent utility bill as proof of address. 
Thank you for your time and attention to this matter. Please let me know if you require additional information to proceed with the investigation. 

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

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXXXXXX XXXX  XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$4900.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Select Portfolio Servicing was my mortgage company. My loan/house is paid in full XX/XX/XXXX. 
I submitted an insurance check that was payee to myself/SelectPortfolio for endorsement XX/XX/XXXX. I never endorsed the check. Select Portfolio said they destroyed the check XX/XX/XXXX. The insurance company has proof SelectPortfolio cashed the check XX/XX/XXXX for XXXX. I have an insurance fraud investitgation open since XX/XX/XXXX. 
Select Portfolio stole XXXX from me and will not respond/resolve the matter for over 1 year. 
I have also incurred XXXX additional costs for borrowing, notaries, travel, interest, closing cost on money borrowed for construction in lieu of the XXXX check Select portfolio cashed and stole from me.

I have tried over 100 times speaking to Select Portfolio to resolve this, yet they continue to do nothing.

I want to file criminal charges as well for Grand Larceny, embezzlement, wire fraud and any other applicable statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I sent a letter certified mail XXXX on XX/XX/2024 with documentation of a medical collections account that you are reporting on my credit report. This account needs to be removed from my credit report immediately because it is inaccurate. I asked for " validation and not " verification '' of debt. California XXXX XXXX provided me with information that clearly violates my XXXX rights. You are required to delete this account immediately upon receiving my letter. Experian, you have had more than enough time allowed by law to investigate this account. You have failed to provide any proper due diligence from your investigation. Delete this inaccurate account from my credit report immediately.