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

Accounts not opened by me appear to be reporting on my report. I dont know what else to do to resolve my problem. I have listed them below. 
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

12. Identity ThefXXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2024, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$490000.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request to the Credit Reporting Agencies to remove the inaccurate Personal information as well as the remaining unauthorized inquiries reporting on my Credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any fraudulent accounts and information reporting on my Credit report. I have been sending dispute lettesrs to the Credit Bureaus and have been waiting for their response and yet I received nothing! I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. If it is not too much to ask for, I want the following items removed from my Credit Report as soon as possible : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
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 : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account XXXX : XXXX XXXX XXXXXXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # 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 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 XXXX 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: Vehicle loan or lease

I financed vehicle from XXXX XXXX XXXX out of XXXX Missouri, we got approved through XXXXXXXX XXXX  for the loan.The total payments to be paid to XXXX XXXX  was {$31000.00} I have paid them {$33000.00} and they told me on XXXX XXXX that I still owe {$2800.00} that was the end of my lease, However I never got notice that I owed this money, so I asked them how I owed this much money when they have already received {$1600.00} more then the loan, they told me its a daily Intrest charge.However when I called XXXX XXXX XXXX they told me the interest charge was {$1.00} per day because I was going to go ahead and make more payments on my car so they don't repo it.I called today to make a payment and they say I now owe {$3200.00} how is this legal? At this rate I will never get my car paid off and I never signed any agreements from this company for a daily interest neither this is like {$360.00} in 13 days of interest I have outstanding payment history with them have never missed a payment and my car should be paid off do I send them more money?.?
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my credit file, despite my twentieth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

The presence of these fraudulent items not only tarnishes my reputation but also poses a serious threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my credit file. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). This provision requires consumer reporting agencies to permanently delete any adverse information on a credit report that resulted from being a victim of human trafficking.

Under FCRA 605C, upon receiving appropriate documentation substantiating my status as a victim of human trafficking, TransUnion is obligated to : Permanently delete all adverse information linked to this trafficking from my credit file. 
Ensure this information is not reinserted or accessible in any way within the report. 
Despite my submission of the necessary documentation, TransUnion has failed to comply with this legal mandate, resulting in ongoing harm and financial difficulties. I request immediate action to permanently delete all applicable adverse information from my credit report in accordance with the law. 

Thank you for addressing this matter with the urgency and seriousness it requires.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$690.00} CREDIT CONTROL CORP XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported XXXX does not accurately reflect my payment history, and therefore violates this provision. 
Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I am contacting the CFPB as I am being given the run around from my mortgage servicing company, Ditech. My loan had been in review for a loan modification for several months when I was finally given a loan modification. The loan was never given a trial modification but I was given a permanent loan modification dated XX/X/17 was mailed out XX/XX/17 by Ditech. The agreement was due by X/XX/17. The permanent agreement was executed X/XX/17 and returned. <P/>The first payment was due X/X/17 which I have made all permanent payments from X/X/17 through X/X/17 in which Ditech accepted all of my payments. Last week, I was advised the modification was denied due to they are unable to create an affordable payment. <P/>I do not understand how I was approved for a permanent modification, made 6 monthly payments and now I can be denied?
Product: Debt collection

On XX/XX/ 2019, I did an annual credit check and found one debt from JPMCB - Card Services ( Closed ). I then learned it was JP Morgan Chase Bank. I never had a credit card with this company and there are no account numbers for me to identify myself when calling Card Services ; the XXXX the only number listed. I learned that I was denied credit because of this creditor and it sits on my credit report as a negative mark against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed chapter XXXX bankruptcy. Included in the bankruptcy was a company called XXXX XXXXXXXX XXXX XXXX who was servicing as a collection agency for Speedy Cash. I have call the collection agency to ask them to update the status of the account and it seemed that they removed it. They were sent notice but as they thought my chapter XXXX was discharged they reported the account to my credit report as unpaid. I do know that doing that is against the law. I can not get resolution from this company and their practices are illegal they are affecting my current job with this information as I informed my employer they were included in my bankruptcy. Here is a example of how they are reporting to my XXXX 

Date reported : XX/XX/XXXX Original Creditor Name XXXX  XXXX XXXX XXXX Date AssignedXX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance DateXX/XX/XXXXAccount Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Financial Last Payment Date Date of First Delinquency XX/XX/XXXX here is the proof of my chapter XXXX that was filed : Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score. 

Reference Number : XXXX Status Bankruptcy proceeding is initiated by the debtor 's own petition to be declared bankrupt and have benefit of the law. 

Date FiledXX/XX/XXXX  Verified Date Liability Exempt Amount Type Individual Filer Subject Court XXXX XXXX XXXX XXXX XXXX Amount I really need this company to follow the law and correctly remove this status from all of my credit reporting agencies. It is affecting my career.
Product: Debt collection

Company have called and sent letters regarding vehicle after I have told them not to contact me anymore. Havent sold vehicle as of XX/XX/2022 but put a charge off on my credit for {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report an incorrect Utah address on my credit report. I've submitted disputes and complaints with Equifax and the CFPB, Equifax will remove the address for a few months, but then add it back later. I'm constantly having to monitor my credit report because they consistently pull incorrect information. They have my info mixed with someone else and are incapable of fixing the problem. They have all of my other addresses in XXXX, I've never lived in XXXX. This has been an ongoing issue for years.
Product: Student loan

I have been trying to call Mohela and can't get through to anyone. 

My loans which are currently on the save plan are accumulating interest still. 
Interest accrued {$1400.00} ( this is the combination of accrued interest on both of my loans with Mohela as shown in the attached pictures ). 

I am currently on administrative forbearance on XXXX and am not supposed to be accruing interest.
Product: Debt collection

In XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) we submitted two signed third party authorizations, from borrower XXXX XXXX twice and their own call records show XXXX XXXX called Shellpoint and the Bank XXXXXXXX XXXX XXXX XXXXXXXX, requesting they provide me with a pay of borrower XXXX XXXX 's loan. They refused to do so but their attorney 's XXXX XXXX and XXXX XXXX lied to two court, XXXX to federal bankruptcy XXXX that we could go across the street and get a mortgage, which I could not because they refused to give us a payoff, and XXXX XXXX stating a payoff could not be provided because he had to protect his client, XXXX XXXX 's privacy, when in fact XXXX was fully aware his client XXXX  had two authorizations and neither his firm nor XXXXXXXX XXXX XXXX did not represent the new master servicer Bank of America. I spoke to Bank of America who advised me that both authorizations I submitted in XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) from borrower XXXX XXXX were sufficient for XXXX  to have provided me a payoff letter. The new law firm in a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, Managing Member XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at Law, representing Bank of America responded to my complaint # XXXX, by falsely stating I had stated that I had never gotten a copy of the foreclosure judgment, which was a lie, as I had never stated that. Further he NEVER offered to provide me with a authorization for his client Bank of America, who in fact provided me their payoff authorization for borrower XXXX XXXX to sign earlier this week. This is a continuing violation of federal law and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1100.00} XXXX XXXX {$400.00} XXXX XXXX  XXXX {$1400.00XXXX XXXX XXXX {$5000.00}
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, AFFIRM 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  ACCOUNT 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

I can not believe Equifax Solutions, They have the worse customer service and they are reporting for the Business. I found out that they are reporting commercial card that is not mine on my Business Profile as Delinquency 5 times and wo n't give me the company name or number. The account number or the balance on the account do not match any of my credit cards or loans. This is a error that stop peoples bank from getting me funding. I ask to speak to the supervisor XXXX to find out why I can not find out more about this account by becoming a member online. The supervisor told me they will charge you {$99.00}, but you will only get a summary of your account, but it still wo n't let you know what company is reporting that information so I can contact them personally to resolve this issue. XXXX also said you have to wait 10 days for your credit report by mail before I can do a dispute. XXXX said because of there policy if I do n't have the credit report we can not give you any information on this account. Then I told XXXX that is why I ask to open an account online so I can access my report right away. So I can resolve this myself because this is a error because I do not have any accounts that match what they are reporting. I am so disappointed in this Equifax Business Solution reporting agency. They aloud a company to report of my Business profile, and charge company to see their profile but if there is a problem there is no way to contact the company who is doing that making it a scam. On my personal credit account with Equifax I have access to all my accounts company name and contact number. Why would Equifax not do the same for the business makes nosense, They should not be charging or reporting on business if they going to be onesided. This is my business they have no right reporting false information and not giving me the company that is doing and saying it is not there fault it is there policy. This is stopping me from getting funding and it could take up to 60 days when I could have resolve it right away by getting a letter from the company to give to peoples bank so they can give me a past on this error. And also do a dispute right away base on the information that is clearly on my report. Error like these can take me out of business. Small business need funding. I attached the email from peoples bank showing the account from Equifax business solutions.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$4300.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$310.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX